Is Rochester, MN cheaper than Naperville, IL?

Based on cost of living data, Rochester, MN is 6.5% cheaper than Naperville, IL. This translates to saving $486 per month.

What salary do I need in Rochester, MN to live like I do in Naperville, IL?

If you earn $150,000 in Naperville, IL, you'd need approximately $144,162.88 in Rochester, MN to maintain the same standard of living.

How does housing cost compare between Naperville, IL and Rochester, MN?

Housing in Rochester, MN is 15.1% cheaper than in Naperville, IL. For a two-bedroom apartment, rent is $1,104/month in Rochester, MN compared to $1,899/month in Naperville, IL.

How much can I save per month by moving from Naperville, IL to Rochester, MN?

Moving from Naperville, IL to Rochester, MN could save you approximately $486 per month, or $5837 per year, based on a $150,000 salary.

Naperville, IL vs Rochester, MN: 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 $486/month moving to Rochester, MN

$150.0K in your current city equals $144.2K in Rochester, MN

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

Overall Cost

↓ 6.5%

Less expensive

Monthly Impact

$486

Savings

Annual Impact

$5.8K

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

Rochester, MN

Population:122K

Cost Index:

(6% below avg)

Median Home:$346K

Naperville, IL

The Prairie State

150K

Population

State Tax

Yes

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

Rochester, MN

The North Star State

122K

Population

State Tax

Yes

Located in Minnesota, this city has a population of 122K residents.

Cost Breakdown by Category

Annual spending: Naperville, IL vs Rochester, MN

Category	Naperville, IL	Rochester, MN	Difference	Change
Housing	$2,585/mo	$2,193/mo	↓ $392less	15.1%
Transportation	$1,574/mo	$1,244/mo	↓ $330less	20.9%
Healthcare	$576/mo	$718/mo	↑ $142more	24.7%
Other	$1,646/mo	$1,555/mo	↓ $91.51less	5.6%
All Utilities	$502/mo	$483/mo	↓ $19.82less	3.9%
Groceries	$996/mo	$977/mo	↓ $18.73less	1.9%

Housing

↓ 15.1%

Naperville, IL

$2,585

Rochester, MN

$2,193

Difference

$392

less

Transportation

↓ 20.9%

Naperville, IL

$1,574

Rochester, MN

$1,244

Difference

$330

less

Healthcare

↑ 24.7%

Naperville, IL

$576

Rochester, MN

$718

Difference

$142

Other

↓ 5.6%

Naperville, IL

$1,646

Rochester, MN

$1,555

Difference

$91.51

less

All Utilities

↓ 3.9%

Naperville, IL

$502

Rochester, MN

$483

Difference

$19.82

less

Groceries

↓ 1.9%

Naperville, IL

$996

Rochester, MN

$977

Difference

$18.73

less

🏠Rent Comparison

Studio

From$1,576

To$870

↓ $706

1 Bed

From$1,684

To$931

↓ $753

2 Bed

From$1,899

To$1,104

↓ $795

3 Bed

From$2,444

To$1,533

↓ $911

Naperville, ILZIP-level data

1BR range: $2,010–$2,370/mo

Rochester, MNZIP-level data

1BR range: $1,040–$1,430/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

$7,170

Monthly in Rochester, MN

$709

Difference

Home Values

Naperville

Rochester

$593K

Median Value

$346K

↑ +4.6%

YoY Change

↑ +3.5%

↑ +43.2%

5-Year Change

↑ +27.5%

$443K - $665K

Price Range

$278K - $451K

Homes in Rochester are 42% less expensive than Naperville

Calculate payment - Naperville Calculate payment - Rochester

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $3.0K

More taxes

Monthly Difference

$251

Less take-home

Effective Rate Diff

2.0%

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

Rochester, MN

Federal Income Tax

Effective: 18.9%

$25.5K

Minnesota State Tax

Effective: 7.0%

$10.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.6%

$47.4K

Take-Home Pay

$8,546/month

$102.6K

Additional Tax Information

Naperville, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

Rochester, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

💡 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.