Naperville vs Fresno

Category-by-Category Breakdown

Index values shown. National average = 100. Lower is cheaper.

💰 Salary Equivalence

To maintain the same standard of living:

See exact take-home pay: Illinois salaries · California salaries

Living in Naperville vs Fresno

Housing is typically the biggest factor in any cost-of-living comparison. Naperville has a housing index of 130 while Fresno sits at 111 (national average = 100). The median home in Naperville costs $430,000 compared to $330,000 in Fresno, a difference of $100,000. Monthly rent follows a similar pattern: $1,800 in Naperville versus $1,300 in Fresno.

Groceries and everyday expenses show a narrower gap: Naperville scores 104 while Fresno scores 101. Both cities are close to the national average for grocery costs.

Healthcare costs in Naperville (101) are higher than Fresno (100). Both are close to the national average.

Median household income in Naperville is $118,254 compared to $53,838 in Fresno. When adjusted for cost of living, income goes further in Fresno.

Relocating: Naperville vs Fresno

If you are considering a move between Naperville (index: 112) and Fresno (index: 107), the 4% cost difference has real implications for your budget. Fresno is the more affordable option, but the right choice depends on your income, career opportunities, and lifestyle priorities.

Housing budget reality: Using the 28% rule (spending no more than 28% of gross income on housing), the median household in Naperville can afford $2,759/month, while the median household in Fresno can afford $1,256/month. With median homes at $430,000 in Naperville versus $330,000 in Fresno, homeownership requires above-median income in the pricier market.

Renting vs buying: At $1,800/month in Naperville and $1,300/month in Fresno, renters save significantly in Fresno. The rent-to-own ratio in each city determines whether renting or buying offers better value for your situation.

Income adjustment: A $75,000 salary goes about equally far in both cities. Before accepting a job in either city, use the salary equivalence data above to understand what you would need to earn to maintain your current standard of living.

Reading These Numbers: Naperville (112) vs Fresno (107)

The cost of living index uses 100 as the national average. Naperville at 112 is 12% above the US average, while Fresno at 107 is 7% above average. There is a meaningful cost gap between these two cities that affects day-to-day budgeting.

Naperville and Fresno land within 5 points of each other on the composite index (112 vs 107), so the overall cost picture is similar. The biggest category divergence is housing, where Naperville scores 130 and Fresno scores 111. That 19-point gap is the primary driver of the overall cost difference between these two metros. Housing, the largest line item for most households, favors Fresno with indices of 111 versus 130. Median home prices of $430,000 in Naperville and $330,000 in Fresno underscore this gap. Neither city is cheaper across the board: Naperville has an edge in utilities, while Fresno is more affordable for housing and groceries. Your actual savings depend on which categories consume the biggest share of your personal budget.

For renters: With median rents of $1,800/month in Naperville and $1,300/month in Fresno, the annual rent difference is approximately $6,000. Over a 5-year period, that compounds to $30,000 in savings by choosing the more affordable city.

For homebuyers: The $100,000 difference in median home prices between Naperville and Fresno translates to roughly $6,000 per month in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.

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