Median rent is 8% lower in Austin ($1,729/mo vs $1,885/mo). Buying is cheaper in Naperville, where the median home runs $540,200 versus $555,300. Households earn more in Naperville ($155,105 vs $93,658 a year). Taken together, Austin is the more affordable choice with a cost index of 98.3 against 102.5 — about 4% lower overall prices. After adjusting income for local prices, a typical paycheck stretches further in Naperville, IL.
Cost of living verdict
Austin is 4% cheaper overall
Cost of Living Index: 98.3 in Austin vs 102.5 in Naperville (US national average = 100)
City A
Austin, TX
City B
Naperville, IL
How much would you need to earn in Naperville, IL to maintain your standard of living from Austin, TX?
Equivalent salary in Naperville, IL
$78,213
You'd need $3,213 more (4% higher).
Based on BEA Regional Price Parity (cost index) for each metro area. This estimates overall purchasing power; it does not account for taxes or take-home pay differences.
Metric
Austin
Texas
Naperville
Illinois
Population
Median Household Income
Annual
Median Gross Rent
Per month
Median Home Value
Cost of Living Index
US avg = 100
1BR Fair Market Rent
HUD FMR
2BR Fair Market Rent
HUD FMR
3BR Fair Market Rent
HUD FMR
Air Quality Index
Lower = cleaner
Top State Income Tax
Top marginal rate
State Sales Tax
Statewide base rate
Median Age
Years
✓ = better value · Sources: Census ACS, BEA, HUD Fair Market Rents, EPA AirNow, Tax Foundation
Median rent is modestly lower in Austin at $1,729/mo compared to $1,885/mo in Naperville (8% gap). Median home values are within 3% of each other: $555,300 in Austin and $540,200 in Naperville.
Metric
Austin
Naperville
Software Developer
Registered Nurse
Elementary Teacher
Electrician
Accountant
Higher wage highlighted · BLS OEWS 2023 (metro-level data)
State tax data is not yet available for these cities.
Austin
Income tax: N/A
Sales tax: N/A
Naperville
Income tax: N/A
Sales tax: N/A
Naperville has cleaner air on average: 27.0 AQI (Good) compared to 65.0 AQI (Moderate) in the other city. Lower AQI means cleaner, healthier air.
Pick Austin if you prioritize lower overall cost of living (index 98.3 vs 102.5).
Pick Naperville if you prioritize higher median household income ($155,105/yr).
Pick Naperville if you prioritize cleaner air quality (avg AQI 27.0).
Austin is cheaper overall, with a cost of living index of 98.3 versus 102.5 (US average = 100). That means prices run about 4% lower in Austin.
Median rent is $1,729/mo in Austin, TX and $1,885/mo in Naperville, IL. Austin, TX has the lower rent by about 8%.
Median household income is $93,658 in Austin, TX and $155,105 in Naperville, IL. Naperville, IL has the higher median income. Note that BLS occupational wages in the table above show wages for specific jobs.
Naperville, IL has better air quality on average: 27.0 AQI versus 65.0 AQI. Both are EPA AirNow annual averages; lower is better.
State tax data is not yet available for one or both cities.
To maintain the same purchasing power, a salary of $100,000 in Austin, TX is equivalent to roughly $104,284 in Naperville, IL (using the BEA Regional Price Parity ratio). Use the salary calculator above for any income amount.
Data last updated: June 1, 2026 · Sources: US Census ACS, BEA RPP, BLS OEWS, HUD FMR, EPA AirNow, Tax Foundation · Methodology
