Is Springfield, IL cheaper than Naperville, IL?

Based on cost of living data, Springfield, IL is 6.7% cheaper than Naperville, IL. This translates to saving $506 per month.

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

If you earn $150,000 in Naperville, IL, you'd need approximately $143,930.664 in Springfield, IL to maintain the same standard of living.

How does housing cost compare between Naperville, IL and Springfield, IL?

Housing in Springfield, IL is 21.4% cheaper than in Naperville, IL. For a two-bedroom apartment, rent is $1,487/month in Springfield, IL compared to $1,899/month in Naperville, IL.

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

Moving from Naperville, IL to Springfield, IL could save you approximately $506 per month, or $6069 per year, based on a $150,000 salary.

Naperville, IL vs Springfield, IL: Cost of Living Comparison 2026

Tap to swap

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 $506/month moving to Springfield, IL

$150.0K in your current city equals $143.9K in Springfield, IL

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

Overall Cost

↓ 6.7%

Less expensive

Monthly Impact

$506

Savings

Annual Impact

$6.1K

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

Springfield, IL

Population:113K

Cost Index:

(7% below avg)

Median Home:$145K

Naperville, IL

The Prairie State

150K

Population

State Tax

Yes

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

Springfield, IL

The Prairie State

113K

Population

State Tax

Yes

Located in Illinois, this city has a population of 113K residents.

Cost Breakdown by Category

Annual spending: Naperville, IL vs Springfield, IL

Category	Naperville, IL	Springfield, IL	Difference	Change
Housing	$2,585/mo	$2,031/mo	↓ $554less	21.4%
Transportation	$1,574/mo	$1,319/mo	↓ $254less	16.2%
Other	$1,646/mo	$1,744/mo	↑ $97.82more	5.9%
All Utilities	$502/mo	$558/mo	↑ $55.48more	11.0%
Healthcare	$576/mo	$549/mo	↓ $27.00less	4.7%
Groceries	$996/mo	$989/mo	↓ $7.13less	0.7%

Housing

↓ 21.4%

Naperville, IL

$2,585

Springfield, IL

$2,031

Difference

$554

less

Transportation

↓ 16.2%

Naperville, IL

$1,574

Springfield, IL

$1,319

Difference

$254

less

Other

↑ 5.9%

Naperville, IL

$1,646

Springfield, IL

$1,744

Difference

$97.82

All Utilities

↑ 11.0%

Naperville, IL

$502

Springfield, IL

$558

Difference

$55.48

Healthcare

↓ 4.7%

Naperville, IL

$576

Springfield, IL

$549

Difference

$27.00

less

Groceries

↓ 0.7%

Naperville, IL

$996

Springfield, IL

$989

Difference

$7.13

less

🏠Rent Comparison

Studio

From$1,576

To$1,020

↓ $556

1 Bed

From$1,684

To$1,194

↓ $490

2 Bed

From$1,899

To$1,487

↓ $412

3 Bed

From$2,444

To$1,986

↓ $458

Naperville, ILZIP-level data

1BR range: $2,010–$2,370/mo

Springfield, ILZIP-level data

1BR range: $1,100–$1,100/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

$7,190

Monthly in Springfield, IL

$689

Difference

Home Values

Naperville

Springfield

$593K

Median Value

↑ +4.6%

YoY Change

↑ +43.2%

5-Year Change

$443K - $665K

Price Range

Calculate payment - Naperville

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

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

Springfield, 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

Additional Tax Information

Naperville, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

Springfield, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

💡 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.