Naperville vs 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 $71,652 in Springfield.

Conversely, $75,000 in Springfield equals $78,505 in Naperville.

Living in Naperville vs Springfield

Housing Costs

Naperville's housing index of 130 is higher Springfield's 116, translating to median home prices of $430,000 vs $378,000. The $52,000 difference in home prices means roughly $3,384 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,800/mo in Naperville compared to $1,150/mo in Springfield, a monthly difference of $650.

Grocery & Food Costs

Grocery expenses index at 104 in Naperville and 101 in Springfield. A household spending the national average of $475/month on groceries would pay approximately $494/month in Naperville vs $480/month in Springfield. 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 96 in Springfield. Monthly utility bills average approximately $396 in Naperville vs $384 in Springfield. Utility costs are relatively comparable between these two cities.

Healthcare

Healthcare costs index at 101 in Naperville and 102 in Springfield. 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 $57,600 in Springfield. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $105,584 and $53,832 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 $1,344/month in Springfield. In Naperville, median rent of $1,800/mo fits within this budget. In Springfield, median rent of $1,150/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 14 index points — focus your budget analysis there.

Frequently Asked Questions

Moving & Relocation Resources

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