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Cost of Living in Naperville

Is it better to rent or buy in Naperville? Explore median costs, utility estimates, and run the numbers on your own budget to see how far your income goes.

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Rent vs. Buy Affordability Calculator

Adjust the sliders to match your scenario. We recommend keeping total housing costs under 40% of your gross income.

$163,245
$2,188/mo

Median in area: $2,188

$530,658

Median in area: $530,658

$106,132

If you Rent

🔑
$2,434 /mo
Base Rent$2,188
Est. Utilities$246
% of Income17.9%
Pre-tax Residual$11,170

If you Buy

🏠
$3,899 /mo
P&I (6.837%)$2,778
Taxes & Ins$875
Est. Utilities$246
% of Income28.7%
Pre-tax Residual$9,705

Cost of Living FAQs

Is it cheaper to rent or buy in Naperville?›

Based on median housing data, renting is currently more affordable on a monthly basis in Naperville. The estimated all-in monthly cost for renting is $2,434, while owning a median-priced home with a 20% down payment is roughly $3,899 per month (a difference of $1,465).

How much do utilities cost in Naperville?›

The average monthly utility cost (electricity and natural gas) for a typical home in Naperville is approximately $246. This estimate uses local utility rate schedules combined with median energy consumption profiles.

What is a good salary to live comfortably in Naperville?›

To comfortably afford the median rent and utilities in Naperville without exceeding the recommended 30% housing-to-income threshold, a household should earn a gross salary of approximately $97,360 per year.