London vs Naperville
Cost of Living Comparison · 2026
London
Naperville
The Verdict
Naperville is 2.7% less expensive than London overall. A household earning $75,000 in London would need approximately $73,043 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 London has the same purchasing power as $73,043 in Naperville.
Conversely, $75,000 in Naperville equals $77,009 in London.
Living in London vs Naperville
Housing Costs
London's housing index of 162 is higher Naperville's 130, translating to median home prices of $695,000 vs $430,000. The $265,000 difference in home prices means roughly $17,220 per year in additional mortgage costs at current rates. Renters face a similar gap: $2,400/mo in London compared to $1,800/mo in Naperville, a monthly difference of $600.
Grocery & Food Costs
Grocery expenses index at 92 in London and 104 in Naperville. A household spending the national average of $475/month on groceries would pay approximately $437/month in London vs $494/month in Naperville. London offers a meaningful advantage on everyday food costs, saving roughly $684/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 112 in London and 99 in Naperville. Monthly utility bills average approximately $448 in London 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 78 in London and 101 in Naperville. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 23-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $55,000 in London and $118,254 in Naperville. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $47,826 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 $1,283/month to housing in London vs $2,759/month in Naperville. In London, median rent of $2,400/mo exceeds this threshold, suggesting renters may feel stretched. 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 32 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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