Dayton vs Naperville
Cost of Living Comparison · 2026
Dayton
Naperville
The Verdict
Dayton is 28.6% less expensive than Naperville overall. A household earning $75,000 in Dayton would need approximately $105,000 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 Dayton has the same purchasing power as $105,000 in Naperville.
Conversely, $75,000 in Naperville equals $53,571 in Dayton.
Living in Dayton vs Naperville
Housing Costs
Dayton's housing index of 46 is lower Naperville's 130, translating to median home prices of $135,000 vs $430,000. The $295,000 difference in home prices means roughly $19,176 per year in additional mortgage costs at current rates. Renters face a similar gap: $900/mo in Dayton compared to $1,800/mo in Naperville, a monthly difference of $900.
Grocery & Food Costs
Grocery expenses index at 98 in Dayton and 104 in Naperville. A household spending the national average of $475/month on groceries would pay approximately $466/month in Dayton vs $494/month in Naperville. Dayton offers a meaningful advantage on everyday food costs, saving roughly $336/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 109 in Dayton and 99 in Naperville. Monthly utility bills average approximately $436 in Dayton vs $396 in Naperville. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 114 in Dayton and 101 in Naperville. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 13-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $43,500 in Dayton and $118,254 in Naperville. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $54,375 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 $1,015/month to housing in Dayton vs $2,759/month in Naperville. In Dayton, median rent of $900/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 84 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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