Median rent is 21% lower in Phoenix ($1,458/mo vs $1,852/mo). Buying is cheaper in Phoenix, where the median home runs $381,900 versus $509,900. Households earn more in Naperville ($150,937 vs $77,041 a year). Taken together, Phoenix is the more affordable choice with a cost index of 103.9 against 105.7 — about 2% lower overall prices. After adjusting income for local prices, a typical paycheck stretches further in Naperville, IL.
Quick verdict
Phoenix is 2% cheaper overall
Cost index: 103.9 in Phoenix vs 105.7 in Naperville (US average = 100)
City A
Naperville, IL
City B
Phoenix, AZ
How much would you need to earn in Phoenix, AZ to maintain your standard of living from Naperville, IL?
Equivalent salary in Phoenix, AZ
$73,707
You could earn $1,293 less (2% lower) and break even.
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
Phoenix
Arizona
👥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
Renters will find significantly cheaper housing in Phoenix — median rent of $1,458/mo versus $1,852/mo in Naperville, a 21% difference. Home buyers face a steeper market in Naperville: the median home is $509,900 versus $381,900 in Phoenix — 25% 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 2.50% in Arizona, so Phoenix is more tax-friendly for high earners. Sales tax is 6.25% in Illinois and 5.60% in Arizona; Phoenix has the lower rate (local add-ons may apply in both).
Naperville
Income tax: 4.95%
Sales tax: 6.25%
Phoenix
Income tax: 2.50%
Sales tax: 5.60%
Naperville has cleaner air on average: 16.0 AQI (Good) compared to 52.0 AQI (Moderate) in the other city. Lower AQI means cleaner, healthier air.
Pick Naperville if you prioritize higher median household income ($150,937/yr).
Pick Phoenix if you prioritize cheaper rent ($1,458/mo median).
Pick Naperville if you prioritize cleaner air quality (avg AQI 16.0).
Pick Phoenix if you prioritize lower state income tax (2.50%).
Is Naperville cheaper than Phoenix?
Phoenix is cheaper overall, with a cost of living index of 103.9 versus 105.7 (US average = 100). That means prices run about 2% lower in Phoenix.
How much is rent in Naperville vs Phoenix?
Median rent is $1,852/mo in Naperville, IL and $1,458/mo in Phoenix, AZ. Phoenix, AZ has the lower rent by about 21%.
Which has higher salaries — Naperville or Phoenix?
Median household income is $150,937 in Naperville, IL and $77,041 in Phoenix, AZ. 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 52.0 AQI. Both are EPA AirNow annual averages; lower is better.
Which has lower taxes — Naperville or Phoenix?
Illinois's top income tax rate is 4.95% and Arizona's is 2.50%. Phoenix, AZ has the lower rate.
What salary do I need in Phoenix to match my Naperville income?
To maintain the same purchasing power, a salary of $100,000 in Naperville, IL is equivalent to roughly $98,276 in Phoenix, AZ (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