Naperville vs Peoria
Cost of Living Comparison · 2026
Naperville
Peoria
The Verdict
The cost gap between these cities is 47.4%, with Peoria being the more affordable option. A $75,000 income in Naperville has equivalent purchasing power to $50,893 in Peoria.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Naperville has the same purchasing power as $50,893 in Peoria.
Conversely, $75,000 in Peoria equals $110,526 in Naperville.
Living in Naperville vs Peoria
Housing Costs
Naperville's housing index of 130 is higher Peoria's 42, translating to median home prices of $430,000 vs $164,000. The $266,000 difference in home prices means roughly $17,292 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,800/mo in Naperville compared to $1,000/mo in Peoria, a monthly difference of $800.
Grocery & Food Costs
Grocery expenses index at 104 in Naperville and 97 in Peoria. A household spending the national average of $475/month on groceries would pay approximately $494/month in Naperville vs $461/month in Peoria. Peoria offers a meaningful advantage on everyday food costs, saving roughly $396/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 99 in Naperville and 103 in Peoria. Monthly utility bills average approximately $396 in Naperville vs $412 in Peoria. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 101 in Naperville and 107 in Peoria. 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 $118,254 in Naperville and $58,700 in Peoria. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $105,584 and $77,237 respectively. Naperville residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $2,759/month to housing in Naperville vs $1,370/month in Peoria. In Naperville, median rent of $1,800/mo fits within this budget. In Peoria, median rent of $1,000/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 88 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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