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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd save $1.1K/month moving to Lee's Summit, MO

$150.0K in your current city equals $137.2K in Lee's Summit, MO

Rent data from HUD ZIP-level estimates · COL index from Chicago-Naperville-Elgin, IL-IN-WI area
Overall Cost
14.2%
Less expensive
Monthly Impact
$1,063
Savings
Annual Impact
$12.8K
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
100 = national average
Median Home:$593K

Lee's Summit, MO

Population:104K
Cost Index:
86
(14% below avg)
Median Home:$412K

Naperville, IL

The Prairie State

150K
Population
State Tax
Yes

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

Lee's Summit, MO

The Show-Me State

104K
Population
State Tax
Yes

Located in Missouri, this city has a population of 104K residents.

Cost Breakdown by Category

Annual spending: Naperville, IL vs Lee's Summit, MO

Housing
29.2%
Naperville, IL
$2,585
Lee's Summit, MO
$1,829
Difference
$756
less
Transportation
25.4%
Naperville, IL
$1,574
Lee's Summit, MO
$1,174
Difference
$400
less
Other
5.7%
Naperville, IL
$1,646
Lee's Summit, MO
$1,552
Difference
$94.56
less
Groceries
6.4%
Naperville, IL
$996
Lee's Summit, MO
$933
Difference
$63.27
less
All Utilities
4.7%
Naperville, IL
$502
Lee's Summit, MO
$526
Difference
$23.82
more
Healthcare
3.6%
Naperville, IL
$576
Lee's Summit, MO
$597
Difference
$21.01
more

🏠Rent Comparison

Studio
From$1,576
To$1,005
$571
1 Bed
From$1,684
To$1,100
$584
2 Bed
From$1,899
To$1,248
$651
3 Bed
From$2,444
To$1,625
$819
Naperville, ILZIP-level data

1BR range: $2,010$2,370/mo

Lee's Summit, MOZIP-level data

1BR range: $1,300$1,750/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
$6,611
Monthly in Lee's Summit, MO
$1,268
Difference

Home Values

Naperville
Lee's Summit
$593K
Median Value
$412K
↑ +4.6%
YoY Change
↑ +1.9%
↑ +43.2%
5-Year Change
↑ +30.2%
$443K - $665K
Price Range
$364K - $449K

Homes in Lee's Summit are 31% less expensive than Naperville

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

Lee's Summit, 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%

Lee's Summit, 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.

Environment

Naperville
Lee's Summit
54 Moderate
Air Quality
46 Good
35.8%
Good Air Days
59.3%
100 Very High
Climate Risk
97 High
🌊🌡🫨
Top Hazards
🌊🌡🌪
+3.2°F
2050 Outlook
+3.3°F
18 days
Heat Days >95°F
44 days
+3.2°F
2050 Outlook
+3.3°F
18 days
Heat Days >95°F
44 days

What to Consider When Moving from Naperville, IL to Lee's Summit, MO

Relocating from Naperville, IL to Lee's Summit, MO involves more than just comparing rent prices. While the overall cost of living is about 14% lower in Lee's Summit, MO, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in Lee's Summit, MO is 29% cheaper than in Naperville, IL. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas — not just city averages — before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in Lee's Summit, MO pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in Lee's Summit, MO to match your current standard of living in Naperville, IL.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general “feel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit Lee's Summit, MO for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Naperville, IL vs Lee's Summit, MO

Is Lee's Summit, MO cheaper than Naperville, IL?

Yes, Lee's Summit, MO is about 14.2% cheaper than Naperville, IL. You could save approximately $1,063/month on a $150,000 salary. Housing costs are 29% lower in Lee's Summit, MO.

What salary do I need in Lee's Summit, MO to match my lifestyle in Naperville, IL?

If you currently earn $150,000 in Naperville, IL, you would need approximately $137,248 in Lee's Summit, MO to maintain the same standard of living. This accounts for differences in housing, groceries, transportation, utilities, healthcare, and other typical expenses. Use the salary input above to adjust this based on your actual income.

How does rent compare between Naperville, IL and Lee's Summit, MO?

A two-bedroom apartment averages $1,899/month in Naperville, IL compared to $1,248/month in Lee's Summit, MO. One-bedroom apartments are $1,684/month in Naperville, IL vs $1,100/month in Lee's Summit, MO. These are area-wide medians — specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Naperville, IL or Lee's Summit, MO?

Groceries are about 6% cheaper in Lee's Summit, MO than in Naperville, IL, saving a typical household roughly $63.27/month on food.

What is the best time to move from Naperville, IL to Lee's Summit, MO?

Most people find that moving during the off-season (October through March) results in lower moving costs, since demand for movers and rental trucks drops. If you're renting, you may also find more negotiable lease terms during winter months. However, if you have school-age children, summer moves allow for a smoother school transition. For the best combination of availability and price, consider moving in early fall or late spring.

💰 See how taxes change too — compare take-home pay between Illinois and Missouri on TaxTakeHome.com

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