If you’re considering moving to Naperville, Illinois, you might be curious about what it actually costs to live in this picturesque suburban city. As a local realtor, I’m here to provide a comprehensive breakdown of the cost of living in Naperville, IL. Whether you’re looking to buy or sell, understanding these costs can help you make the right choice for your lifestyle.
Cost of Living Index Table with Naperville, Illinois, and USA
| Category | Naperville, IL | Illinois | USA Average |
| Housing | 141.4 | 104.5 | 100.0 |
| Utilities | 98.4 | 99.4 | 100.0 |
| Transportation | 119.2 | 108.0 | 100.0 |
| Food & Groceries | 105.4 | 101.2 | 100.0 |
| Healthcare | 92.1 | 97.1 | 100.0 |
| Education & Childcare | 115.6 | 102.6 | 100.0 |
| Entertainment & Recreation | 107.4 | 106.0 | 100.0 |
| Overall Cost of Living | 132.8 | 102.2 | 100.0 |
Housing Costs in Naperville
Housing is one of the most significant factors driving the cost of living in Naperville. The city’s housing costs are notably higher than the national average, reflecting its reputation as an attractive place to live. The median home price here is comfortably above $400,000, with some homes in the upscale neighborhoods going for even higher prices.
Renting in Naperville also comes with a premium. For example, you’ll typically pay anywhere between $1,200 and $2,000 per month for a one-bedroom apartment. If you’re looking at a larger rental or a high-end apartment, you can expect to pay even more.
Utilities and Household Expenses
When it comes to utilities, Naperville is relatively average in terms of cost. A typical household can expect to pay around $150 to $250 per month for basic utilities, depending on the size of the home and how much energy you use. Internet and cable costs can run between $70 and $150 per month, depending on your provider and package.
Transportation Costs
Naperville is well-connected to Chicago, which means residents have access to both public and private transportation options. The Metra commuter rail service provides a convenient, affordable way to get into Chicago, with one-way fares typically ranging from $3 to $10.
For those who drive, gasoline and vehicle insurance premiums in Naperville tend to be a bit higher than the national average. Parking in downtown Naperville can also add to transportation expenses, especially during peak times.
Food and Grocery Expenses
The cost of food in Naperville is slightly higher than the national average. If you’re doing your regular grocery shopping, expect to spend anywhere from $300 to $600 a month for a single person or family. There’s no shortage of great places to eat out in Naperville either. Dining at a mid-range restaurant typically costs around $15–$25 per person.
Healthcare Expenses
Healthcare in Naperville is quite affordable in comparison to many other cities, especially considering the excellent medical facilities in the area, including Edward Hospital. The cost of healthcare services is generally below the national average, but keep in mind that the cost of insurance will vary based on your plan and coverage level.
Education and Childcare Costs
The school district in Naperville, IL is Naperville Community Unit School District 203. The school district serves the central and northern Naperville, as well as Lisle and Bolingbrook. The district features 22 schools and serves over 16,000 students.
Naperville is renowned for its high-quality schools, which is one of the reasons families flock to the area. If you’re considering private schooling, tuition can range from $5,000 to $20,000 per year.
Childcare costs are also on the higher side. Daycare and early childhood programs can cost between $1,000 and $2,000 per month, depending on the age of your child and the specific program.
Entertainment and Recreation Costs
Naperville offers plenty of activities for families and individuals alike. From the Naperville Riverwalk to local parks and theaters, there’s something for everyone. While many outdoor activities are free, admission to museums or theaters will typically cost between $20 and $80 per person. A night at the movies generally runs around $30 to $40 for two people.
Taxes in Naperville
Property taxes in Naperville are a bit higher than the national average. The average property tax rate is about 2.4% of your home’s assessed value, which can add up over time. However, Illinois has a flat income tax rate of 4.95%, which is fairly reasonable compared to other states. Sales tax in Naperville is also higher than the national average, sitting at 8%.
Salaries and Job Market
The job market in Naperville is diverse, with many residents working in fields like education, healthcare, retail, and technology. The average salary in Naperville is higher than the national average, with many households earning between $60,000 and $100,000 annually. This helps offset the higher cost of living but can also mean a competitive job market.
Comparison with Nearby Cities
When compared to nearby cities like Aurora or Downers Grove, Naperville is generally more expensive in terms of housing and overall living costs. However, many people are willing to pay the premium for Naperville’s top-rated schools, low crime rates, and close proximity to Chicago’s amenities.
Pros and Cons of Living in Naperville
Pros:
- Highly rated schools and a family-friendly environment
- Proximity to Chicago and public transportation options
- Great community amenities like parks, shopping, and dining
- Safe neighborhoods with low crime rates
Cons:
- Higher-than-average housing and property taxes
- Cost of living is above the national average
- Some aspects of public transportation can be expensive for regular commuters
FAQ
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Is Naperville, IL, an expensive place to live?
Yes, Naperville is on the pricier side compared to other Illinois cities, especially when it comes to housing and property taxes. However, it offers a high quality of life, which many find worth the higher costs. -
How much do you need to earn to live comfortably in Naperville?
To live comfortably in Naperville, a household income of at least $75,000 to $100,000 is recommended, especially if you're planning to rent or own a home in the area. -
What is the average rent in Naperville?
The average rent for a one-bedroom apartment in Naperville ranges from $1,200 to $2,000 per month, with prices climbing higher for larger apartments or luxury units. -
Are groceries expensive in Naperville?
Groceries in Naperville are a bit more expensive than the national average. A typical grocery bill for a single person or family will range from $300 to $600 per month, depending on your shopping habits. -
How do property taxes in Naperville compare to the rest of Illinois?
Property taxes in Naperville are higher than the state average, with an average rate of about 2.4% of the home's value, which can be a significant consideration for homebuyers. -
Is public transportation affordable in Naperville?
Public transportation, especially Metra commuter rail service, is relatively affordable, with one-way fares ranging from $3 to $10. However, frequent commuters may find the costs add up over time.
