Is Ann Arbor, MI cheaper than Naperville, IL?

Based on cost of living data, Ann Arbor, MI is 15.1% cheaper than Naperville, IL. This translates to saving $1131 per month.

What salary do I need in Ann Arbor, MI to live like I do in Naperville, IL?

If you earn $150,000 in Naperville, IL, you'd need approximately $136,428.881 in Ann Arbor, MI to maintain the same standard of living.

How does housing cost compare between Naperville, IL and Ann Arbor, MI?

Housing in Ann Arbor, MI is 47.0% cheaper than in Naperville, IL. For a two-bedroom apartment, rent is $1,595/month in Ann Arbor, MI compared to $1,899/month in Naperville, IL.

How much can I save per month by moving from Naperville, IL to Ann Arbor, MI?

Moving from Naperville, IL to Ann Arbor, MI could save you approximately $1131 per month, or $13571 per year, based on a $150,000 salary.

Naperville, IL vs Ann Arbor, MI: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in Naperville, IL

Numbers update automatically as you type

You'd save $1.1K/month moving to Ann Arbor, MI

$150.0K in your current city equals $136.4K in Ann Arbor, MI

Rent data from HUD ZIP-level estimates · COL index from Chicago-Naperville-Elgin, IL-IN-WI area

Overall Cost

↓ 15.1%

Less expensive

Monthly Impact

$1,131

Savings

Annual Impact

$13.6K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Naperville, IL

Population:150K

Cost Index:

100

100 = national average

Median Home:$593K

Ann Arbor, MI

Population:119K

Cost Index:

(15% below avg)

Median Home:$516K

Naperville, IL

The Prairie State

150K

Population

State Tax

Yes

Located in Illinois, this city has a population of 150K residents.

Ann Arbor, MI

The Great Lakes State

119K

Population

State Tax

Yes

Located in Michigan, this city has a population of 119K residents.

Cost Breakdown by Category

Annual spending: Naperville, IL vs Ann Arbor, MI

Category	Naperville, IL	Ann Arbor, MI	Difference	Change
Housing	$2,585/mo	$1,371/mo	↓ $1,214less	47.0%
Groceries	$996/mo	$938/mo	↓ $57.74less	5.8%
All Utilities	$502/mo	$551/mo	↑ $48.54more	9.7%
Transportation	$1,574/mo	$1,535/mo	↓ $38.83less	2.5%
Healthcare	$576/mo	$557/mo	↓ $18.33less	3.2%
Other	$1,646/mo	$1,636/mo	↓ $10.70less	0.6%

Housing

↓ 47.0%

Naperville, IL

$2,585

Ann Arbor, MI

$1,371

Difference

$1,214

less

Groceries

↓ 5.8%

Naperville, IL

$996

Ann Arbor, MI

$938

Difference

$57.74

less

All Utilities

↑ 9.7%

Naperville, IL

$502

Ann Arbor, MI

$551

Difference

$48.54

Transportation

↓ 2.5%

Naperville, IL

$1,574

Ann Arbor, MI

$1,535

Difference

$38.83

less

Healthcare

↓ 3.2%

Naperville, IL

$576

Ann Arbor, MI

$557

Difference

$18.33

less

Other

↓ 0.6%

Naperville, IL

$1,646

Ann Arbor, MI

$1,636

Difference

$10.70

less

🏠Rent Comparison

Studio

From$1,576

To$1,312

↓ $264

1 Bed

From$1,684

To$1,337

↓ $347

2 Bed

From$1,899

To$1,595

↓ $304

3 Bed

From$2,444

To$1,910

↓ $534

Naperville, ILZIP-level data

1BR range: $2,010–$2,370/mo

Ann Arbor, MIZIP-level data

1BR range: $1,320–$1,740/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,879

Monthly in Naperville, IL

$6,588

Monthly in Ann Arbor, MI

$1,291

Difference

Home Values

Naperville

Ann Arbor

$593K

Median Value

$516K

↑ +4.6%

YoY Change

↑ +2.5%

↑ +43.2%

5-Year Change

↑ +29.5%

$443K - $665K

Price Range

$426K - $544K

Homes in Ann Arbor are 13% less expensive than Naperville

Calculate payment - Naperville Calculate payment - Ann Arbor

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $1.1K

Per year

Monthly Difference

$87.50

More take-home

Effective Rate Diff

0.7%

Rate difference

Naperville, IL

Federal Income Tax

Effective: 18.9%

$25.5K

Illinois State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,797/month

$105.6K

Ann Arbor, MI

Federal Income Tax

Effective: 18.9%

$25.5K

Michigan State Tax

Effective: 4.3%

$6.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 28.9%

$43.4K

Take-Home Pay

$8,884/month

$106.6K

Additional Tax Information

Naperville, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

Ann Arbor, MI Tax Rates

Sales Tax:6.0%

Property Tax:1.4%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.