Cost of Living: Plano, TX vs Naperville, IL (2026)

Plano

Texas
132
VS

Naperville

Illinois
147

Plano is 10% cheaper than Naperville.

$1,792/mo ↓ 3%
Median Rent
$1,852/mo ↑ 3%
$108,649/yr ↓ 28%
Median Income
$150,937/yr ↑ 39%
$440,600 ↓ 14%
Home Value
$509,900 ↑ 16%
$1,829/mo ↓ 15%
Owner Costs
$2,161/mo ↑ 18%
287,339
Population
149,424

Tax Comparison

0%
Income Tax
4.95%
6.25%
State Sales Tax
6.25%
1.6%
Property Tax
2.07%

Affordability

19.8%
rent-to-income
Affordability
14.7%
rent-to-income

Detailed Comparison

When comparing Plano, TX and Naperville, IL, the overall cost of living indices are 132 and 147 respectively (national median = 100). Rent is $60/month cheaper in Plano, saving renters about $720/year.

Median household income is $42,288/year higher in Naperville. Home values also differ significantly — the median in Plano is $440,600 compared to $509,900 in Naperville.

Texas has no state income tax, giving Plano residents a significant tax advantage over Illinois's 4.95% rate.

Frequently Asked Questions

Plano vs Naperville — common questions

Is Plano or Naperville cheaper to live in?
Based on our cost index, Plano is cheaper to live in with an index of 132 compared to 147 (US average = 100).
What is the rent difference between Plano and Naperville?
Median rent in Plano is $1,792/month and in Naperville it's $1,852/month — a difference of $60/month.
Which city has higher income, Plano or Naperville?
Median household income is $108,649 in Plano and $150,937 in Naperville. Median household income is $42,288/year higher in Naperville.
How do taxes compare between Texas and Illinois?
Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax. Illinois has 4.95% income tax, 6.25% sales tax, and 2.07% property tax.
Should I move to Plano or Naperville?
It depends on your priorities. Plano has a cost index of 132 with median rent of $1,792/mo, while Naperville has a cost index of 147 with rent of $1,852/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Plano details → View Naperville details →

More Comparisons

Other cost of living comparisons for Plano and Naperville

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