Naperville vs Roseville
Cost of Living Comparison · 2026
Naperville
Roseville
The Verdict
Naperville is 19.4% less expensive than Roseville overall. A household earning $75,000 in Naperville would need approximately $93,080 in Roseville 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 Naperville has the same purchasing power as $93,080 in Roseville.
Conversely, $75,000 in Roseville equals $60,432 in Naperville.
Living in Naperville vs Roseville
Housing Costs
Naperville's housing index of 130 is lower Roseville's 179, translating to median home prices of $430,000 vs $625,000. The $195,000 difference in home prices means roughly $12,672 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,800/mo in Naperville compared to $2,000/mo in Roseville, a monthly difference of $200.
Grocery & Food Costs
Grocery expenses index at 104 in Naperville and 105 in Roseville. A household spending the national average of $475/month on groceries would pay approximately $494/month in Naperville vs $499/month in Roseville. 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 99 in Naperville and 163 in Roseville. Monthly utility bills average approximately $396 in Naperville vs $652 in Roseville. 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 101 in Naperville and 106 in Roseville. 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 $142,800 in Roseville. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $105,584 and $102,734 respectively. Naperville residents enjoy stronger real purchasing power despite lower nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $2,759/month to housing in Naperville vs $3,332/month in Roseville. In Naperville, median rent of $1,800/mo fits within this budget. In Roseville, median rent of $2,000/mo remains manageable. The biggest category-level difference between these two cities is Utilities, where the gap is 64 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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