Naperville vs San Francisco

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 San Francisco

Housing is typically the biggest factor in any cost-of-living comparison. Naperville has a housing index of 130 while San Francisco sits at 327 (national average = 100). The median home in Naperville costs $430,000 compared to $1,200,000 in San Francisco, a difference of $770,000. Monthly rent follows a similar pattern: $1,800 in Naperville versus $3,400 in San Francisco.

Groceries and everyday expenses show a notable difference: Naperville scores 104 while San Francisco scores 112.

Healthcare costs in Naperville (101) are lower than San Francisco (113).

Median household income in Naperville is $118,254 compared to $119,136 in San Francisco. When adjusted for cost of living, income goes further in Naperville.

Relocating: Naperville vs San Francisco

If you are considering a move between Naperville (index: 112) and San Francisco (index: 190), the 41% cost difference has real implications for your budget. Naperville 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 San Francisco can afford $2,780/month. With median homes at $430,000 in Naperville versus $1,200,000 in San Francisco, the higher-cost city presents significant affordability challenges.

Renting vs buying: At $1,800/month in Naperville and $3,400/month in San Francisco, renters save significantly in Naperville. 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 significantly further in Naperville. 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 San Francisco (190)

The cost of living index uses 100 as the national average. Naperville at 112 is 12% above the US average, while San Francisco at 190 is 90% above average. There is a meaningful cost gap between these two cities that affects day-to-day budgeting.

The overall index is a weighted average of housing (the largest component), groceries, utilities, transportation, and healthcare. Housing typically drives the biggest differences between cities. Even when two cities have similar overall indices, their category-level costs can vary significantly — one city might have expensive housing but cheap groceries, while another is the reverse. Check the category breakdown above for the full picture.

For renters: With median rents of $1,800/month in Naperville and $3,400/month in San Francisco, the annual rent difference is approximately $19,200. Over a 5-year period, that compounds to $96,000 in savings by choosing the more affordable city.

For homebuyers: The $770,000 difference in median home prices between Naperville and San Francisco translates to roughly $46,200 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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