Median rent is 4% lower in New York ($1,779/mo vs $1,852/mo). Buying is cheaper in Naperville, where the median home runs $509,900 versus $751,700. Households earn more in Naperville ($150,937 vs $79,713 a year). Taken together, Naperville is the more affordable choice with a cost index of 105.7 against 113.0 — about 6% lower overall prices. After adjusting income for local prices, a typical paycheck stretches further in Naperville, IL.
Quick verdict
Naperville is 6% cheaper overall
Cost index: 105.7 in Naperville vs 113.0 in New York (US average = 100)
City A
Naperville, IL
City B
New York, NY
How much would you need to earn in New York, NY to maintain your standard of living from Naperville, IL?
Equivalent salary in New York, NY
$80,166
You'd need $5,166 more (7% higher).
Based on BEA Regional Price Parity (cost index) for each city's metro area. A rough estimate of overall purchasing power, not tax or take-home pay.
Metric
Naperville
Illinois
New York
New York
👥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: US Census ACS, BEA RPP, HUD FMR, EPA AirNow, Tax Foundation
Median rents are similar in both cities: $1,852/mo in Naperville and $1,779/mo in New York. Home buyers face a steeper market in New York: the median home is $751,700 versus $509,900 in Naperville — 32% more expensive.
1BR Fair Market Rent
2BR Fair Market Rent
BLS OEWS 2023 — metro-level data
Illinois's top income tax rate is 4.95% versus 10.90% in New York, so Naperville is more tax-friendly for high earners. Sales tax is 6.25% in Illinois and 4.00% in New York; New York has the lower rate (local add-ons may apply in both).
Naperville
Income tax: 4.95%
Sales tax: 6.25%
New York
Income tax: 10.90%
Sales tax: 4.00%
Naperville has cleaner air on average: 16.0 AQI (Good) compared to 61.0 AQI (Moderate) in the other city. Lower AQI means cleaner, healthier air.
Pick Naperville if you prioritize lower overall cost of living (index 105.7 vs 113.0).
Pick Naperville if you prioritize higher median household income ($150,937/yr).
Pick Naperville if you prioritize cleaner air quality (avg AQI 16.0).
Pick Naperville if you prioritize lower state income tax (4.95%).
Is Naperville cheaper than New York?
Naperville is cheaper overall, with a cost of living index of 105.7 versus 113.0 (US average = 100). That means prices run about 6% lower in Naperville.
How much is rent in Naperville vs New York?
Median rent is $1,852/mo in Naperville, IL and $1,779/mo in New York, NY. New York, NY has the lower rent by about 4%.
Which has higher salaries — Naperville or New York?
Median household income is $150,937 in Naperville, IL and $79,713 in New York, NY. Naperville, IL has the higher median income. Note that BLS occupational wages in the table above show wages for specific jobs.
Which city has better air quality?
Naperville, IL has better air quality on average: 16.0 AQI versus 61.0 AQI. Both are EPA AirNow annual averages; lower is better.
Which has lower taxes — Naperville or New York?
Illinois's top income tax rate is 4.95% and New York's is 10.90%. Naperville, IL has the lower rate.
What salary do I need in New York to match my Naperville income?
To maintain the same purchasing power, a salary of $100,000 in Naperville, IL is equivalent to roughly $106,888 in New York, NY (using the BEA Regional Price Parity ratio). Use the salary calculator above for any income amount.
Data last updated: December 1, 2024 · Sources: US Census ACS, BEA RPP, BLS OEWS, HUD FMR, EPA AirNow, Tax Foundation · Methodology