Naples vs Springfield
Cost of Living Comparison · 2026
Naples
Springfield
The Verdict
The cost gap between these cities is 19.6%, with Springfield being the more affordable option. A $75,000 income in Naples has equivalent purchasing power to $62,695 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 $62,695 in Springfield.
Conversely, $75,000 in Springfield equals $89,720 in Naples.
Living in Naples vs Springfield
Housing Costs
Naples's housing index of 180 is higher Springfield's 116, translating to median home prices of $520,000 vs $378,000. The $142,000 difference in home prices means roughly $9,228 per year in additional mortgage costs at current rates. Renters face a similar gap: $2,100/mo in Naples compared to $1,150/mo in Springfield, a monthly difference of $950.
Grocery & Food Costs
Grocery expenses index at 106 in Naples and 101 in Springfield. A household spending the national average of $475/month on groceries would pay approximately $504/month in Naples 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 96 in Naples and 96 in Springfield. Monthly utility bills average approximately $384 in Naples vs $384 in Springfield. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 98 in Naples 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 $72,178 in Naples and $57,600 in Springfield. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $56,389 and $53,832 respectively. Naples residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,684/month to housing in Naples vs $1,344/month in Springfield. In Naples, median rent of $2,100/mo exceeds this threshold, suggesting renters may feel stretched. 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 64 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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