Monthly estimate = 1BR rent + electricity + gas
A one-person monthly baseline (1BR rent plus typical utilities) runs $1,830 in Naperville, IL versus $2,010 in New York City, NY. Overall, Naperville, IL is roughly 9% cheaper to live in day-to-day than New York City, NY, driven mainly by rent.
Median household income is $150,937 in Naperville, IL and $79,713 in New York City, NY — about 47% higher in Naperville, IL. Illinois has a top state income tax rate of 4.95% and a 6.25% state sales tax; New York has a top state income tax rate of 10.90% and a 4% state sales tax.
Rent
Buying a Home
Income
People & Lifestyle
Crime (per 100k/yr)
FBI Crime Data Explorer. Offenses per 100,000 residents per year; agency reporting practices vary, so this is approximate.
Climate
Gas
Area: Midwest (PADD 2) vs New York City.
Public Transit
Adult base one-way fare — — vs MTA (2026).
Utilities
Residential, state-level averages (EIA). MCF = 1,000 cubic feet.
Groceries
Average prices — Midwest vs Northeast (BLS). Regional where available, otherwise U.S. average.
State Taxes
Naperville vs New York City — FAQ
- Is it cheaper to live in Naperville or New York City?
- Naperville, IL is cheaper. Its monthly baseline of $1,830 (1BR rent + utilities) runs about 9% below New York City, NY's $2,010, mainly because of rent.
- How much more do you need to earn to live in Naperville than in New York City?
- To keep rent near the recommended 30% of gross income, you'd want to earn roughly $64,000 a year in Naperville versus $68,000 in New York City.
- Which has lower taxes, Naperville or New York City?
- Naperville is taxed under Illinois's rules (a top state income tax rate of 4.95% and a 6.25% state sales tax); New York City under New York's (a top state income tax rate of 10.90% and a 4% state sales tax).
Sources: US Census Bureau, ACS 5-Year (rent, income, home value, demographics); NOAA Climate Normals 1981–2010 (climate); EIA weekly retail (gas); Tax Foundation 2026 (state taxes).