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

Springfield

Missouri
60
VS

Naperville

Illinois
147

Springfield is 59% cheaper than Naperville.

$920/mo ↓ 50%
Median Rent
$1,852/mo ↑ 101%
$45,984/yr ↓ 70%
Median Income
$150,937/yr ↑ 228%
$165,200 ↓ 68%
Home Value
$509,900 ↑ 209%
$908/mo ↓ 58%
Owner Costs
$2,161/mo ↑ 138%
169,432
Population
149,424

Tax Comparison

4.95%
Income Tax
4.95%
4.225%
State Sales Tax
6.25%
0.93%
Property Tax
2.07%

Affordability

24.0%
rent-to-income
Affordability
14.7%
rent-to-income

Detailed Comparison

When comparing Springfield, MO and Naperville, IL, the overall cost of living indices are 60 and 147 respectively (national median = 100). Rent is $932/month cheaper in Springfield, saving renters about $11,184/year.

Median household income is $104,953/year higher in Naperville. Home values also differ significantly — the median in Springfield is $165,200 compared to $509,900 in Naperville.

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 60 compared to 147 (US average = 100).
What is the rent difference between Springfield and Naperville?
Median rent in Springfield is $920/month and in Naperville it's $1,852/month — a difference of $932/month.
Which city has higher income, Springfield or Naperville?
Median household income is $45,984 in Springfield and $150,937 in Naperville. Median household income is $104,953/year higher in Naperville.
How do taxes compare between Missouri and Illinois?
Missouri has 4.95% income tax, 4.225% sales tax, and 0.93% 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 60 with median rent of $920/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

Other cost of living comparisons for Springfield and Naperville

Springfield vs. Fort Collins Springfield vs. Palmdale Springfield vs. Lancaster Springfield vs. Salinas Springfield vs. Pembroke Pines Springfield vs. Hayward Naperville vs. Surprise Naperville vs. Pasadena Naperville vs. Joliet Naperville vs. Mesquite Naperville vs. Jackson Naperville vs. Pomona