Naperville vs Toledo
Cost of Living Comparison · 2026
Naperville
Toledo
The Verdict
Living in Toledo costs 45.5% less than Naperville. To match the purchasing power of a $75,000 salary in Naperville, you would need $51,563 in Toledo.
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 $51,563 in Toledo.
Conversely, $75,000 in Toledo equals $109,091 in Naperville.
Living in Naperville vs Toledo
Housing Costs
Naperville's housing index of 130 is higher Toledo's 55, translating to median home prices of $430,000 vs $128,000. The $302,000 difference in home prices means roughly $19,632 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,800/mo in Naperville compared to $825/mo in Toledo, a monthly difference of $975.
Grocery & Food Costs
Grocery expenses index at 104 in Naperville and 98 in Toledo. A household spending the national average of $475/month on groceries would pay approximately $494/month in Naperville vs $466/month in Toledo. Toledo 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 92 in Toledo. Monthly utility bills average approximately $396 in Naperville vs $368 in Toledo. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 101 in Naperville and 84 in Toledo. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 17-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 $42,200 in Toledo. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $105,584 and $54,805 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 $985/month in Toledo. In Naperville, median rent of $1,800/mo fits within this budget. In Toledo, median rent of $825/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 75 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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