Duluth vs Naperville
Cost of Living Comparison · 2026
Duluth
Naperville
The Verdict
The cost gap between these cities is 24.1%, with Duluth being the more affordable option. A $75,000 income in Duluth has equivalent purchasing power to $98,824 in Naperville.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Duluth has the same purchasing power as $98,824 in Naperville.
Conversely, $75,000 in Naperville equals $56,920 in Duluth.
Living in Duluth vs Naperville
Housing Costs
Duluth's housing index of 88 is lower Naperville's 130, translating to median home prices of $268,000 vs $430,000. The $162,000 difference in home prices means roughly $10,536 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,025/mo in Duluth compared to $1,800/mo in Naperville, a monthly difference of $775.
Grocery & Food Costs
Grocery expenses index at 99 in Duluth and 104 in Naperville. A household spending the national average of $475/month on groceries would pay approximately $470/month in Duluth 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 94 in Duluth and 99 in Naperville. Monthly utility bills average approximately $376 in Duluth vs $396 in Naperville. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 123 in Duluth and 101 in Naperville. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 22-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $68,800 in Duluth and $118,254 in Naperville. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $80,941 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 $1,605/month to housing in Duluth vs $2,759/month in Naperville. In Duluth, median rent of $1,025/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 42 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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