Concord vs Naperville
Cost of Living Comparison · 2026
Concord
Naperville
The Verdict
Concord is 10.7% less expensive than Naperville overall. A household earning $75,000 in Concord would need approximately $84,000 in Naperville to maintain the same standard of living.
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 $84,000 in Naperville.
Conversely, $75,000 in Naperville equals $66,964 in Concord.
Living in Concord vs Naperville
Housing Costs
Concord's housing index of 110 is lower Naperville's 130, translating to median home prices of $340,000 vs $430,000. The $90,000 difference in home prices means roughly $5,856 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,375/mo in Concord compared to $1,800/mo in Naperville, a monthly difference of $425.
Grocery & Food Costs
Grocery expenses index at 101 in Concord and 104 in Naperville. A household spending the national average of $475/month on groceries would pay approximately $480/month in Concord vs $494/month in Naperville. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 110 in Concord and 99 in Naperville. Monthly utility bills average approximately $440 in Concord vs $396 in Naperville. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.
Healthcare
Healthcare costs index at 113 in Concord and 101 in Naperville. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 12-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $84,900 in Concord and $118,254 in Naperville. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $84,900 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 $1,981/month to housing in Concord vs $2,759/month in Naperville. In Concord, median rent of $1,375/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 Transportation, where the gap is 23 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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