Is Kansas City, MO cheaper than Naperville, IL?

Based on cost of living data, Kansas City, MO is 11.1% cheaper than Naperville, IL. This translates to saving $833 per month.

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

If you earn $150,000 in Naperville, IL, you'd need approximately $140,000.59 in Kansas City, MO to maintain the same standard of living.

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

Housing in Kansas City, MO is 18.6% cheaper than in Naperville, IL. For a two-bedroom apartment, rent is $1,460/month in Kansas City, MO compared to $1,899/month in Naperville, IL.

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

Moving from Naperville, IL to Kansas City, MO could save you approximately $833 per month, or $9999 per year, based on a $150,000 salary.

Naperville, IL vs Kansas City, MO: 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 save $833/month moving to Kansas City, MO

$150.0K in your current city equals $140.0K in Kansas City, MO

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

Overall Cost

↓ 11.1%

Less expensive

Monthly Impact

$833

Savings

Annual Impact

$10.0K

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

Kansas City, MO

Population:508K

Cost Index:89

Median Home:$257K

Naperville, IL

The Prairie State

150K

Population

State Tax

Yes

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

Kansas City, MO

The Show-Me State

508K

Population

State Tax

Yes

Located in Missouri, this city has a population of 508K residents.

Cost Breakdown by Category

Annual spending: Naperville, IL vs Kansas City, MO

Category	Naperville, IL	Kansas City, MO	Difference	Change
🏠Housing	$2,585/mo	$2,105/mo	↓ $480less	18.6%
🚗Transportation	$1,574/mo	$1,216/mo	↓ $358less	22.7%
🛒Groceries	$996/mo	$949/mo	↓ $46.79less	4.7%
📦Other	$1,646/mo	$1,607/mo	↓ $39.27less	2.4%
⚡All Utilities	$502/mo	$535/mo	↑ $33.11more	6.6%
🏥Healthcare	$576/mo	$607/mo	↑ $31.55more	5.5%

🏠Housing

↓ 18.6%

Naperville, IL

$2,585

Kansas City, MO

$2,105

Difference

$480

less

🚗Transportation

↓ 22.7%

Naperville, IL

$1,574

Kansas City, MO

$1,216

Difference

$358

less

🛒Groceries

↓ 4.7%

Naperville, IL

$996

Kansas City, MO

$949

Difference

$46.79

less

📦Other

↓ 2.4%

Naperville, IL

$1,646

Kansas City, MO

$1,607

Difference

$39.27

less

⚡All Utilities

↑ 6.6%

Naperville, IL

$502

Kansas City, MO

$535

Difference

$33.11

🏥Healthcare

↑ 5.5%

Naperville, IL

$576

Kansas City, MO

$607

Difference

$31.55

🏛️ Local Income Taxes

Kansas City, MO: Kansas City Earnings Tax$1,500/yr (1.0%)

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$1,180

↓ $396

1 Bed

From$1,684

To$1,280

↓ $404

2 Bed

From$1,899

To$1,460

↓ $439

3 Bed

From$2,444

To$1,900

↓ $544

Naperville, ILZIP-level data

1BR range: $2,010–$2,370/mo

Kansas City, MOZIP-level data

1BR range: $900–$1,800/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

$7,020

Monthly in Kansas City, MO

$859

Difference

Home Values

Naperville

Kansas City

$593K

Median Value

$257K

↑ +4.6%

YoY Change

↑ +0.6%

↑ +43.2%

5-Year Change

↑ +32.2%

$443K - $665K

Price Range

$80K - $587K

Homes in Kansas City are 57% less expensive than Naperville

Calculate payment - Naperville Calculate payment - Kansas City

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

Kansas City, 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%

Kansas City, 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.