Side-by-side cost of living comparison for 2026
41% cheaper
Naperville is 41% more affordable than Santa Barbara. A $75,000 salary in Santa Barbara is equivalent to $44,211 in Naperville.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: Illinois salaries · California salaries
Housing is typically the biggest factor in any cost-of-living comparison. Naperville has a housing index of 130 while Santa Barbara sits at 340 (national average = 100). The median home in Naperville costs $430,000 compared to $1,200,000 in Santa Barbara, a difference of $770,000. Monthly rent follows a similar pattern: $1,800 in Naperville versus $3,000 in Santa Barbara.
Groceries and everyday expenses show a notable difference: Naperville scores 104 while Santa Barbara scores 112.
Healthcare costs in Naperville (101) are lower than Santa Barbara (110).
Median household income in Naperville is $118,254 compared to $70,819 in Santa Barbara. When adjusted for cost of living, income goes further in Naperville.
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