Is Columbia, MO cheaper than Naperville, IL?

Based on cost of living data, Columbia, MO is 12.6% cheaper than Naperville, IL. This translates to saving $942 per month.

What salary do I need in Columbia, MO to live like I do in Naperville, IL?

If you earn $150,000 in Naperville, IL, you'd need approximately $138,694.268 in Columbia, MO to maintain the same standard of living.

How does housing cost compare between Naperville, IL and Columbia, MO?

Housing in Columbia, MO is 26.3% cheaper than in Naperville, IL. For a two-bedroom apartment, rent is $1,211/month in Columbia, MO compared to $1,899/month in Naperville, IL.

How much can I save per month by moving from Naperville, IL to Columbia, MO?

Moving from Naperville, IL to Columbia, MO could save you approximately $942 per month, or $11306 per year, based on a $150,000 salary.

Naperville, IL vs Columbia, MO: 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 $942/month moving to Columbia, MO

$150.0K in your current city equals $138.7K in Columbia, MO

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

Overall Cost

↓ 12.6%

Less expensive

Monthly Impact

$942

Savings

Annual Impact

$11.3K

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

Columbia, MO

Population:129K

Cost Index:

(13% below avg)

Median Home:$328K

Naperville, IL

The Prairie State

150K

Population

State Tax

Yes

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

Columbia, MO

The Show-Me State

129K

Population

State Tax

Yes

Located in Missouri, this city has a population of 129K residents.

Cost Breakdown by Category

Annual spending: Naperville, IL vs Columbia, MO

Category	Naperville, IL	Columbia, MO	Difference	Change
Housing	$2,585/mo	$1,904/mo	↓ $681less	26.3%
Transportation	$1,574/mo	$1,237/mo	↓ $337less	21.4%
Healthcare	$576/mo	$531/mo	↓ $44.39less	7.7%
Groceries	$996/mo	$958/mo	↓ $38.48less	3.9%
All Utilities	$502/mo	$540/mo	↑ $37.80more	7.5%
Other	$1,646/mo	$1,635/mo	↓ $11.00less	0.7%

Housing

↓ 26.3%

Naperville, IL

$2,585

Columbia, MO

$1,904

Difference

$681

less

Transportation

↓ 21.4%

Naperville, IL

$1,574

Columbia, MO

$1,237

Difference

$337

less

Healthcare

↓ 7.7%

Naperville, IL

$576

Columbia, MO

$531

Difference

$44.39

less

Groceries

↓ 3.9%

Naperville, IL

$996

Columbia, MO

$958

Difference

$38.48

less

All Utilities

↑ 7.5%

Naperville, IL

$502

Columbia, MO

$540

Difference

$37.80

Other

↓ 0.7%

Naperville, IL

$1,646

Columbia, MO

$1,635

Difference

$11.00

less

🏠Rent Comparison

Studio

From$1,576

To$834

↓ $742

1 Bed

From$1,684

To$1,058

↓ $626

2 Bed

From$1,899

To$1,211

↓ $688

3 Bed

From$2,444

To$1,638

↓ $806

Naperville, ILZIP-level data

1BR range: $2,010–$2,370/mo

Columbia, MOZIP-level data

1BR range: $1,010–$1,040/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

$6,805

Monthly in Columbia, MO

$1,074

Difference

Home Values

Naperville

Columbia

$593K

Median Value

$328K

↑ +4.6%

YoY Change

↑ +3.4%

↑ +43.2%

5-Year Change

↑ +38.5%

$443K - $665K

Price Range

$268K - $360K

Homes in Columbia are 45% less expensive than Naperville

Calculate payment - Naperville Calculate payment - Columbia

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $504

More taxes

Monthly Difference

$42.00

Less take-home

Effective Rate Diff

0.3%

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

Columbia, MO

Federal Income Tax

Effective: 18.9%

$25.5K

Missouri State Tax

Effective: 5.3%

$7.9K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.0%

$44.9K

Take-Home Pay

$8,755/month

$105.1K

Additional Tax Information

Naperville, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

Columbia, MO Tax Rates

Sales Tax:8.2%

Property Tax:1.0%

💡 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.