Naples vs Springfield
Cost of Living Comparison · 2026
Naples
Springfield
The Verdict
The cost gap between these cities is 64.1%, with Springfield being the more affordable option. A $75,000 income in Naples has equivalent purchasing power to $45,703 in Springfield.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Naples has the same purchasing power as $45,703 in Springfield.
Conversely, $75,000 in Springfield equals $123,077 in Naples.
Living in Naples vs Springfield
Housing Costs
Naples's housing index of 180 is higher Springfield's 52, translating to median home prices of $520,000 vs $162,000. The $358,000 difference in home prices means roughly $23,268 per year in additional mortgage costs at current rates. Renters face a similar gap: $2,100/mo in Naples compared to $925/mo in Springfield, a monthly difference of $1,175.
Grocery & Food Costs
Grocery expenses index at 106 in Naples and 98 in Springfield. A household spending the national average of $475/month on groceries would pay approximately $504/month in Naples vs $466/month in Springfield. Springfield offers a meaningful advantage on everyday food costs, saving roughly $456/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 96 in Naples and 98 in Springfield. Monthly utility bills average approximately $384 in Naples vs $392 in Springfield. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 98 in Naples and 91 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 $72,178 in Naples and $65,500 in Springfield. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $56,389 and $83,974 respectively. Springfield residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,684/month to housing in Naples vs $1,528/month in Springfield. In Naples, median rent of $2,100/mo exceeds this threshold, suggesting renters may feel stretched. In Springfield, median rent of $925/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 128 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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