Nampa vs Naperville
Cost of Living Comparison · 2026
Nampa
Naperville
The Verdict
The cost gap between these cities is 6.2%, with Nampa being the more affordable option. A $75,000 income in Nampa has equivalent purchasing power to $80,000 in Naperville.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Nampa has the same purchasing power as $80,000 in Naperville.
Conversely, $75,000 in Naperville equals $70,313 in Nampa.
Living in Nampa vs Naperville
Housing Costs
Nampa's housing index of 104 is lower Naperville's 130, translating to median home prices of $371,000 vs $430,000. The $59,000 difference in home prices means roughly $3,840 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,500/mo in Nampa compared to $1,800/mo in Naperville, a monthly difference of $300.
Grocery & Food Costs
Grocery expenses index at 105 in Nampa and 104 in Naperville. A household spending the national average of $475/month on groceries would pay approximately $499/month in Nampa 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 83 in Nampa and 99 in Naperville. Monthly utility bills average approximately $332 in Nampa 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 102 in Nampa 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 $74,300 in Nampa and $118,254 in Naperville. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $70,762 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 $1,734/month to housing in Nampa vs $2,759/month in Naperville. In Nampa, median rent of $1,500/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 26 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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