Naperville vs Tyler
Cost of Living Comparison · 2026
Naperville
Tyler
The Verdict
Tyler is 31.8% less expensive than Naperville overall. A household earning $75,000 in Naperville would need approximately $56,920 in Tyler to maintain the same standard of living.
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 $56,920 in Tyler.
Conversely, $75,000 in Tyler equals $98,824 in Naperville.
Living in Naperville vs Tyler
Housing Costs
Naperville's housing index of 130 is higher Tyler's 69, translating to median home prices of $430,000 vs $250,000. The $180,000 difference in home prices means roughly $11,700 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,800/mo in Naperville compared to $1,075/mo in Tyler, a monthly difference of $725.
Grocery & Food Costs
Grocery expenses index at 104 in Naperville and 96 in Tyler. A household spending the national average of $475/month on groceries would pay approximately $494/month in Naperville vs $456/month in Tyler. Tyler offers a meaningful advantage on everyday food costs, saving roughly $456/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 99 in Naperville and 97 in Tyler. Monthly utility bills average approximately $396 in Naperville vs $388 in Tyler. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 101 in Naperville and 93 in Tyler. 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 $54,800 in Tyler. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $105,584 and $64,471 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 $1,279/month in Tyler. In Naperville, median rent of $1,800/mo fits within this budget. In Tyler, median rent of $1,075/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 61 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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