Amarillo vs Naperville
Cost of Living Comparison · 2026
Amarillo
Naperville
The Verdict
Living in Amarillo costs 33.9% less than Naperville. To match the purchasing power of a $75,000 salary in Amarillo, you would need $113,514 in Naperville.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Amarillo has the same purchasing power as $113,514 in Naperville.
Conversely, $75,000 in Naperville equals $49,554 in Amarillo.
Living in Amarillo vs Naperville
Housing Costs
Amarillo's housing index of 59 is lower Naperville's 130, translating to median home prices of $195,000 vs $430,000. The $235,000 difference in home prices means roughly $15,276 per year in additional mortgage costs at current rates. Renters face a similar gap: $975/mo in Amarillo compared to $1,800/mo in Naperville, a monthly difference of $825.
Grocery & Food Costs
Grocery expenses index at 92 in Amarillo and 104 in Naperville. A household spending the national average of $475/month on groceries would pay approximately $437/month in Amarillo vs $494/month in Naperville. Amarillo offers a meaningful advantage on everyday food costs, saving roughly $684/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 94 in Amarillo and 99 in Naperville. Monthly utility bills average approximately $376 in Amarillo vs $396 in Naperville. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 104 in Amarillo and 101 in Naperville. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $58,500 in Amarillo and $118,254 in Naperville. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $79,054 and $105,584 respectively. Naperville residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,365/month to housing in Amarillo vs $2,759/month in Naperville. In Amarillo, median rent of $975/mo fits within this budget. In Naperville, median rent of $1,800/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 71 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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