Bellevue vs Naperville
Cost of Living Comparison · 2026
Bellevue
Naperville
The Verdict
The cost gap between these cities is 41.1%, with Naperville being the more affordable option. A $75,000 income in Bellevue has equivalent purchasing power to $53,165 in Naperville.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Bellevue has the same purchasing power as $53,165 in Naperville.
Conversely, $75,000 in Naperville equals $105,804 in Bellevue.
Living in Bellevue vs Naperville
Housing Costs
Bellevue's housing index of 249 is higher Naperville's 130, translating to median home prices of $1.3M vs $430,000. The $871,000 difference in home prices means roughly $56,616 per year in additional mortgage costs at current rates. Renters face a similar gap: $2,525/mo in Bellevue compared to $1,800/mo in Naperville, a monthly difference of $725.
Grocery & Food Costs
Grocery expenses index at 111 in Bellevue and 104 in Naperville. A household spending the national average of $475/month on groceries would pay approximately $527/month in Bellevue vs $494/month in Naperville. Naperville offers a meaningful advantage on everyday food costs, saving roughly $396/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 100 in Bellevue and 99 in Naperville. Monthly utility bills average approximately $400 in Bellevue vs $396 in Naperville. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 120 in Bellevue and 101 in Naperville. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 19-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $169,200 in Bellevue and $118,254 in Naperville. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $107,089 and $105,584 respectively. Bellevue residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $3,948/month to housing in Bellevue vs $2,759/month in Naperville. In Bellevue, median rent of $2,525/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 119 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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