Cost of Living: Springfield, MA vs Naperville, IL (2026)

Springfield

Massachusetts
79
VS

Naperville

Illinois
147

Springfield is 46% cheaper than Naperville.

$1,114/mo ↓ 40%
Median Rent
$1,852/mo ↑ 66%
$51,339/yr ↓ 66%
Median Income
$150,937/yr ↑ 194%
$222,700 ↓ 56%
Home Value
$509,900 ↑ 129%
$1,276/mo ↓ 41%
Owner Costs
$2,161/mo ↑ 69%
154,751
Population
149,424

Tax Comparison

9.0%
Income Tax
4.95%
6.25%
State Sales Tax
6.25%
1.15%
Property Tax
2.07%

Affordability

26.0%
rent-to-income
Affordability
14.7%
rent-to-income

Detailed Comparison

When comparing Springfield, MA and Naperville, IL, the overall cost of living indices are 79 and 147 respectively (national median = 100). Rent is $738/month cheaper in Springfield, saving renters about $8,856/year.

Median household income is $99,598/year higher in Naperville. Home values also differ significantly — the median in Springfield is $222,700 compared to $509,900 in Naperville.

Illinois has a lower income tax rate, making Naperville slightly more tax-friendly.

Frequently Asked Questions

Springfield vs Naperville — common questions

Is Springfield or Naperville cheaper to live in?
Based on our cost index, Springfield is cheaper to live in with an index of 79 compared to 147 (US average = 100).
What is the rent difference between Springfield and Naperville?
Median rent in Springfield is $1,114/month and in Naperville it's $1,852/month — a difference of $738/month.
Which city has higher income, Springfield or Naperville?
Median household income is $51,339 in Springfield and $150,937 in Naperville. Median household income is $99,598/year higher in Naperville.
How do taxes compare between Massachusetts and Illinois?
Massachusetts has 9.0% income tax, 6.25% sales tax, and 1.15% property tax. Illinois has 4.95% income tax, 6.25% sales tax, and 2.07% property tax.
Should I move to Springfield or Naperville?
It depends on your priorities. Springfield has a cost index of 79 with median rent of $1,114/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 Springfield details → View Naperville details →

More Comparisons

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