Irving vs Naperville

Category-by-Category Breakdown

Index values · National average = 100 · Lower is more affordable

Salary Equivalence

A $75,000 salary in Irving has the same purchasing power as $84,000 in Naperville.

Conversely, $75,000 in Naperville equals $66,964 in Irving.

Living in Irving vs Naperville

Housing Costs

Irving's housing index of 94 is lower Naperville's 130, translating to median home prices of $318,000 vs $430,000. The $112,000 difference in home prices means roughly $7,284 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,350/mo in Irving compared to $1,800/mo in Naperville, a monthly difference of $450.

Grocery & Food Costs

Grocery expenses index at 99 in Irving and 104 in Naperville. A household spending the national average of $475/month on groceries would pay approximately $470/month in Irving 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 111 in Irving and 99 in Naperville. Monthly utility bills average approximately $444 in Irving 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 103 in Irving 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 $73,400 in Irving and $118,254 in Naperville. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $73,400 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 $1,713/month to housing in Irving vs $2,759/month in Naperville. In Irving, 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 36 index points — focus your budget analysis there.

Frequently Asked Questions

Moving & Relocation Resources

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