Is Austin, TX cheaper than Naperville, IL?

Based on cost of living data, Austin, TX is 1.7% more expensive than Naperville, IL. This translates to spending an extra $130 per month.

What salary do I need in Austin, TX to live like I do in Naperville, IL?

If you earn $150,000 in Naperville, IL, you'd need approximately $151,556.231 in Austin, TX to maintain the same standard of living.

How does housing cost compare between Naperville, IL and Austin, TX?

Housing in Austin, TX is 11.6% more expensive than in Naperville, IL. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $1,899/month in Naperville, IL.

How much can I save per month by moving from Naperville, IL to Austin, TX?

Living in Austin, TX costs approximately $130 more per month than Naperville, IL, or $1556 more per year, based on a $150,000 salary.

Naperville, IL vs Austin, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Naperville, IL — ZIP-level rent data · COL adjusted from Chicago, IL area

Current salary in Naperville, IL

Numbers update automatically as you type

You'd spend $130/month more in Austin, TX

$150.0K in your current city equals $151.6K in Austin, TX

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

Overall Cost

↑ 1.7%

More expensive

Monthly Impact

$130

Extra cost

Annual Impact

$1.6K

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

Median Home:$593K

Austin, TX

Population:979K

Cost Index:102

Median Home:$558K

Naperville, IL

The Prairie State

150K

Population

State Tax

Yes

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

Austin, TX

The Lone Star State

979K

Population

State Tax

No Income Tax

Climate

Humid subtropical

Notable Facts

•Live music capital
•Major tech hub
•SXSW festival city

Major Industries

TechnologyMusic IndustryEducationGovernment

Cost Breakdown by Category

Annual spending: Naperville, IL vs Austin, TX

Category	Naperville, IL	Austin, TX	Difference	Change
🏠Housing	$2,585/mo	$2,885/mo	↑ $300more	11.6%
🚗Transportation	$1,574/mo	$1,284/mo	↓ $290less	18.4%
📦Other	$1,646/mo	$1,741/mo	↑ $94.65more	5.7%
⚡All Utilities	$502/mo	$541/mo	↑ $38.57more	7.7%
🛒Groceries	$996/mo	$959/mo	↓ $36.80less	3.7%
🏥Healthcare	$576/mo	$589/mo	↑ $12.96more	2.3%

🏠Housing

↑ 11.6%

Naperville, IL

$2,585

Austin, TX

$2,885

Difference

$300

🚗Transportation

↓ 18.4%

Naperville, IL

$1,574

Austin, TX

$1,284

Difference

$290

less

📦Other

↑ 5.7%

Naperville, IL

$1,646

Austin, TX

$1,741

Difference

$94.65

⚡All Utilities

↑ 7.7%

Naperville, IL

$502

Austin, TX

$541

Difference

$38.57

🛒Groceries

↓ 3.7%

Naperville, IL

$996

Austin, TX

$959

Difference

$36.80

less

🏥Healthcare

↑ 2.3%

Naperville, IL

$576

Austin, TX

$589

Difference

$12.96

🏠Rent Comparison

Studio

From$1,576

To$1,585

↑ $9.00

1 Bed

From$1,684

To$1,685

↑ $1.00

2 Bed

From$1,899

To$1,995

↑ $96.00

3 Bed

From$2,444

To$2,525

↑ $81.00

Naperville, ILZIP-level data

1BR range: $2,010–$2,370/mo

Austin, TXZIP-level data

1BR range: $1,490–$2,350/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

$7,998

Monthly in Austin, TX

$119

Difference

Home Values

Naperville

Austin

$593K

Median Value

$558K

↑ +4.6%

YoY Change

↓ -5%

↑ +43.2%

5-Year Change

↑ +12.6%

$443K - $665K

Price Range

$272K - $1.26M

Homes in Austin are 6% less expensive than Naperville

Calculate payment - Naperville Calculate payment - Austin

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $7.4K

Per year

Monthly Difference

$619

More take-home

Effective Rate Diff

4.9%

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

Austin, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Additional Tax Information

Naperville, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

Austin, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

💡 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.