Naperville vs Springfield
Cost of Living Comparison · 2026
Naperville
Springfield
The Verdict
Living in Springfield costs 43.6% less than Naperville. To match the purchasing power of a $75,000 salary in Naperville, you would need $52,232 in Springfield.
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 $52,232 in Springfield.
Conversely, $75,000 in Springfield equals $107,692 in Naperville.
Living in Naperville vs Springfield
Housing Costs
Naperville's housing index of 130 is higher Springfield's 52, translating to median home prices of $430,000 vs $162,000. The $268,000 difference in home prices means roughly $17,424 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,800/mo in Naperville compared to $925/mo in Springfield, a monthly difference of $875.
Grocery & Food Costs
Grocery expenses index at 104 in Naperville and 98 in Springfield. A household spending the national average of $475/month on groceries would pay approximately $494/month in Naperville vs $466/month in Springfield. Springfield offers a meaningful advantage on everyday food costs, saving roughly $336/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 99 in Naperville and 98 in Springfield. Monthly utility bills average approximately $396 in Naperville vs $392 in Springfield. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 101 in Naperville and 91 in Springfield. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 10-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $118,254 in Naperville and $65,500 in Springfield. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $105,584 and $83,974 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 $1,528/month in Springfield. In Naperville, median rent of $1,800/mo fits within this budget. In Springfield, median rent of $925/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 78 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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