Is Denver, CO cheaper than Naperville, IL?

Based on cost of living data, Denver, CO is 8.6% more expensive than Naperville, IL. This translates to spending an extra $648 per month.

What salary do I need in Denver, CO to live like I do in Naperville, IL?

If you earn $150,000 in Naperville, IL, you'd need approximately $157,778.499 in Denver, CO to maintain the same standard of living.

How does housing cost compare between Naperville, IL and Denver, CO?

Housing in Denver, CO is 25.7% more expensive than in Naperville, IL. For a two-bedroom apartment, rent is $2,190/month in Denver, CO compared to $1,899/month in Naperville, IL.

How much can I save per month by moving from Naperville, IL to Denver, CO?

Living in Denver, CO costs approximately $648 more per month than Naperville, IL, or $7778 more per year, based on a $150,000 salary.

Naperville, IL vs Denver, CO: 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 $648/month more in Denver, CO

$150.0K in your current city equals $157.8K in Denver, CO

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

Overall Cost

↑ 8.6%

More expensive

Monthly Impact

$648

Extra cost

Annual Impact

$7.8K

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

Denver, CO

Population:716K

Cost Index:109

Median Home:$513K

Naperville, IL

The Prairie State

150K

Population

State Tax

Yes

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

Denver, CO

The Centennial State

716K

Population

State Tax

Yes

Climate

Semi-arid

Notable Facts

•Mile-high city (5,280 ft)
•Outdoor recreation hub
•Major cannabis market

Major Industries

AerospaceTechnologyEnergyTourism

Cost Breakdown by Category

Annual spending: Naperville, IL vs Denver, CO

Category	Naperville, IL	Denver, CO	Difference	Change
🏠Housing	$2,585/mo	$3,248/mo	↑ $663more	25.7%
📦Other	$1,646/mo	$1,774/mo	↑ $128more	7.8%
🚗Transportation	$1,574/mo	$1,462/mo	↓ $112less	7.1%
🏥Healthcare	$576/mo	$632/mo	↑ $56.33more	9.8%
🛒Groceries	$996/mo	$1,029/mo	↑ $33.15more	3.3%
⚡All Utilities	$502/mo	$519/mo	↑ $16.72more	3.3%

🏠Housing

↑ 25.7%

Naperville, IL

$2,585

Denver, CO

$3,248

Difference

$663

📦Other

↑ 7.8%

Naperville, IL

$1,646

Denver, CO

$1,774

Difference

$128

🚗Transportation

↓ 7.1%

Naperville, IL

$1,574

Denver, CO

$1,462

Difference

$112

less

🏥Healthcare

↑ 9.8%

Naperville, IL

$576

Denver, CO

$632

Difference

$56.33

🛒Groceries

↑ 3.3%

Naperville, IL

$996

Denver, CO

$1,029

Difference

$33.15

⚡All Utilities

↑ 3.3%

Naperville, IL

$502

Denver, CO

$519

Difference

$16.72

🏛️ Local Income Taxes

Denver, CO: Denver Head Tax ($5.75/mo, negligible)$69.00/yr (0.0%)

Naperville, IL has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio

From$1,576

To$1,720

↑ $144

1 Bed

From$1,684

To$1,840

↑ $156

2 Bed

From$1,899

To$2,190

↑ $291

3 Bed

From$2,444

To$2,870

↑ $426

Naperville, ILZIP-level data

1BR range: $2,010–$2,370/mo

Denver, COZIP-level data

1BR range: $1,620–$2,540/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

$8,665

Monthly in Denver, CO

$786

Difference

Home Values

Naperville

Denver

$593K

Median Value

$513K

↑ +4.6%

YoY Change

↓ -4.2%

↑ +43.2%

5-Year Change

↑ +13%

$443K - $665K

Price Range

$352K - $933K

Homes in Denver are 14% less expensive than Naperville

Calculate payment - Naperville Calculate payment - Denver

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $825

Per year

Monthly Difference

$68.75

More take-home

Effective Rate Diff

0.6%

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

Denver, CO

Federal Income Tax

Effective: 18.9%

$25.5K

Colorado State Tax

Effective: 4.4%

$6.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.1%

$43.6K

Take-Home Pay

$8,866/month

$106.4K

Additional Tax Information

Naperville, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

Denver, CO Tax Rates

Sales Tax:7.8%

Property Tax:0.5%

💡 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.