Concord vs Naperville
Cost of Living Comparison · 2026
Concord
Naperville
The Verdict
Living in Concord costs 14.3% less than Naperville. To match the purchasing power of a $75,000 salary in Concord, you would need $87,500 in Naperville.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Concord has the same purchasing power as $87,500 in Naperville.
Conversely, $75,000 in Naperville equals $64,286 in Concord.
Living in Concord vs Naperville
Housing Costs
Concord's housing index of 89 is lower Naperville's 130, translating to median home prices of $380,000 vs $430,000. The $50,000 difference in home prices means roughly $3,252 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,350/mo in Concord compared to $1,800/mo in Naperville, a monthly difference of $450.
Grocery & Food Costs
Grocery expenses index at 97 in Concord and 104 in Naperville. A household spending the national average of $475/month on groceries would pay approximately $461/month in Concord vs $494/month in Naperville. Concord offers a meaningful advantage on everyday food costs, saving roughly $396/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 97 in Concord and 99 in Naperville. Monthly utility bills average approximately $388 in Concord vs $396 in Naperville. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 104 in Concord 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 $86,900 in Concord and $118,254 in Naperville. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $90,521 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 $2,028/month to housing in Concord vs $2,759/month in Naperville. In Concord, median rent of $1,350/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 41 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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