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Chicago-Naperville-Elgin, IL-IN

Cost of living in Naperville, Illinois

DuPage County, IL

Part of the Chicago Metro Area

Estimated monthly cost
$3,855/mo
for a single person, all categories combined

Population 927,263 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,560 40%
Federal tax $760 20%
Healthcare $480 12%
Groceries $345 9%
Transport $250 6%
State tax $233 6%
Energy $177 5%
Water $50 1%

Rent in Naperville

Fair Market Rents by bedroom count.

Studio
$1,458
per month
1 bedroom
$1,560
per month
2 bedroom
$1,761
per month
3 bedroom
$2,262
per month
4 bedroom
$2,657
per month

Source: HUD FMR FY2025

Income and earnings in Naperville

Annual earnings figures from the Census ACS.

Household income
$110,502
per year
Individual earnings
$56,479
per year
Per capita
$57,051
per year

Source: ACS 2019-2023 5-Year.

Home values in Naperville

Average values reported by homeowners.

Average home value
$374,100
Annual property tax
$7,833

Source: ACS 2019-2023 5-Year

Energy costs in Naperville

Estimated monthly electricity and gas costs.

Electricity
$116
per month · 16.5¢/kWh
Natural gas
$61
per month
Annual total
$2,124
per year

Source: EIA

Healthcare in Naperville

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
5.3%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Naperville

State and local tax rates for Illinois.

State income tax
5.0%
Flat rate
State sales tax
6.3%
Combined sales tax
8.8%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Naperville

Commute patterns and estimated costs.

Average commute
28.0 min
Drive alone
66.5%
Public transit
4.5%
Work from home
19.4%

Source: ACS

Monthly cost estimates for Naperville

What it costs to live in Naperville each month.

Single person
$3,855
per month
  • Rent $1,560
  • Energy $177
  • Water $50
  • Groceries $345
  • Transport $250
  • Healthcare $480
  • Federal tax $760
  • State tax $233
Couple
$5,754
per month
  • Rent $1,761
  • Energy $212
  • Water $60
  • Groceries $572
  • Transport $350
  • Healthcare $864
  • Federal tax $1,479
  • State tax $456
Family
$8,400
per month
  • Rent $2,262
  • Energy $266
  • Water $70
  • Groceries $867
  • Transport $450
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,479
  • State tax $456

Frequently asked questions about Naperville

Common questions about cost of living, rent and salary.

What is the average rent in Naperville?

In Naperville, Illinois, a one-bedroom apartment averages $1,560 per month, a two-bedroom averages $1,761 per month, a three-bedroom averages $2,262 per month, according to HUD Fair Market Rent data.

What is the average salary in Naperville?

In Naperville, Illinois, the average household income is $110,502 per year and individual earnings for full-time workers average $56,479 per year, according to U.S. Census Bureau data.

What is the cost of living in Naperville?

The estimated cost of living in Naperville, Illinois is approximately $3,855 per month for a single person, $5,754 for a couple, $8,400 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Naperville?

The combined sales tax rate in Naperville, Illinois is 8.82%, which includes the Illinois state rate of 6.25% plus an average local rate of 2.57%.

Is Naperville an affordable place to live?

Based on the data, a single person in Naperville, Illinois would need approximately $3,855 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $110,502 per year ($9,209 per month). Naperville is relatively affordable compared to the national average.

How much does healthcare cost in Naperville?

The ACA marketplace benchmark premium in Naperville, Illinois is approximately $480 per month for an individual. Approximately 5.3% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Naperville?

The average home value in Naperville, Illinois is $374,100, with average annual property taxes of $7,833, according to U.S. Census Bureau data.

How does Naperville compare to other areas?

You can compare Naperville, Illinois with any other US county using our comparison tool at /compare. Naperville is in the Chicago-Naperville-Elgin, IL-IN metro area.

Other counties in Illinois

Browse the full list of counties in Illinois, ranked by cost of living.

See all counties in Illinois

Compare Naperville with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources