Last update: Oct 2026

Cost of Living Comparison Between Naperville, IL and New York, NY

For one person, living is cheaper in Naperville, IL: $2,811 a month against $4,941 in New York, NY, rent and utilities included – about $25,600 less a year. Rent and utilities account for most of the difference.

137

Cost of Living Index in Naperville, IL
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Naperville, IL Living Index
239

Cost of Living Index in New York, NY
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New York, NY Living Index

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Naperville, IL

🇺🇸 United States

$2,811

/mo nomad

New York, NY

🇺🇸 United States

$4,941

/mo nomad

Monthly Cost of Living

How much you'll spend in Naperville, IL and in New York, NY

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Naperville, IL and in New York, NY actually costs, broken down by who's living it.

A single person spends $2,811 per month in Naperville, IL vs $4,941 in New York, NY, rent included.

Naperville, IL $2,811
New York, NY $4,941

A couple spends around $3,990 per month in Naperville, IL vs $7,225 in New York, NY, rent included.

Naperville, IL $3,990
New York, NY $7,225

A family of three spends $5,169 per month in Naperville, IL vs $9,509 in New York, NY, rent included.

Naperville, IL $5,169
New York, NY $9,509

Naperville, IL is about 43% cheaper than New York, NY, and outside of rent the biggest gap is in groceries.

Both Naperville, IL and New York, NY sit above the global median – Naperville, IL by 107%, New York, NY by 263%.

Meal at Budget Restaurant

$13.75 $13.75

$28.55 $28.55

-51.84%

Three-Course Dinner for Two, Mid-Range

$75.6 $75.6

$118 $118

-36.22%

Fast Food Meal (McDonalds, etc)

$12.15 $12.15

$15.04 $15.04

-19.22%

Cappuccino

$5.47 $5.47

$6.53 $6.53

-16.23%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$3.00 $3.00

$3.96 $3.96

-24.24%

Water (0.33 liter bottle)

$2.38 $2.38

$3.01 $3.01

-20.93%

Local Beer (0.5 liter draught)

$5.86 $5.86

$8.16 $8.16

-28.19%

Imported Beer (0.33 liter bottle)

$8.56 $8.56

$9.84 $9.84

-13.01%

Milk (1 liter)

$0.79 $0.79

$1.37 $1.37

-42.34%

White Bread (500g)

$2.75 $2.75

$4.97 $4.97

-44.67%

Rice (white) (1kg)

$2.92 $2.92

$7.81 $7.81

-62.61%

Eggs

$3.53 $3.53

$5.97 $5.97

-40.87%

Local Cheese (1kg)

$7.67 $7.67

$18.91 $18.91

-59.44%

Chicken Fillets (1kg)

$11.59 $11.59

$18.04 $18.04

-35.75%

Beef Round Steak (1kg)

$10.44 $10.44

$19.05 $19.05

-45.20%

Apples (1kg)

$5.60 $5.60

$6.76 $6.76

-17.16%

Banana (1kg)

$1.73 $1.73

$2.27 $2.27

-23.79%

Oranges (1kg)

$3.48 $3.48

$6.83 $6.83

-49.05%

Tomato (1kg)

$5.42 $5.42

$7.09 $7.09

-23.55%

Potato (1kg)

$1.78 $1.78

$4.22 $4.22

-57.82%

Onion (1kg)

$3.31 $3.31

$4.65 $4.65

-28.82%

Lettuce (1 head)

$1.69 $1.69

$2.87 $2.87

-41.11%

Water (1.5 liter bottle)

$2.60 $2.60

Cigarettes 20 Pack (Marlboro, Camel)

$12.09 $12.09

$18.77 $18.77

-35.59%

Wine (Bottle)

$8.47 $8.47

$20.13 $20.13

-57.92%

Local Beer (0.5 liter bottle)

$1.68 $1.68

$3.45 $3.45

-51.30%

Imported Beer (0.33 liter bottle)

$4.05 $4.05

$4.02 $4.02

0.75%

One-way Ticket (Public Transport)

$2.91 $2.91

Public Transport Monthly Pass (Regular Price)

$131 $131

$139 $139

-5.58%

Taxi Start (Normal Tariff)

$5.66 $5.66

$3.08 $3.08

83.77%

Taxi (Normal Tariff) (1km)

$2.94 $2.94

$2.12 $2.12

38.68%

Taxi 1hour Waiting (Normal Tariff)

$17.52 $17.52

$41.96 $41.96

-58.25%

Gasoline (1 liter)

$1.03 $1.03

$1.17 $1.17

-11.97%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$24.0K $24.0K

$34.5K $34.5K

-30.30%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$25.6K $25.6K

$25.9K $25.9K

-0.89%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$173 $173

$219 $219

-21.15%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$51.2 $51.2

$74.2 $74.2

-31.01%

Internet (50+ Mbps, Unlimited Data)

$50.9 $50.9

$70.2 $70.2

-27.46%

Gym Membership (Monthly)

$70.6 $70.6

$112 $112

-36.97%

Tennis Court (1 Hour on Weekend)

$14.75 $14.75

$74.9 $74.9

-80.30%

Cinema Ticket

$12.20 $12.20

$22.14 $22.14

-44.90%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,499 $1,499

$3,558 $3,558

-57.86%

International Primary School, 1 Child (Yearly)

$12.6K $12.6K

$62.2K $62.2K

-79.78%

Jeans (Levis 501 Or Similar)

$56.8 $56.8

$75.6 $75.6

-24.94%

Summer Dress (H&M, Zara, etc)

$24.94 $24.94

$51.2 $51.2

-51.29%

Sport Shoes (Adidas, Nike)

$90.1 $90.1

$123 $123

-26.84%

Men's Leather Business Shoes

$50.0 $50.0

$140 $140

-64.20%

1-bedroom Apartment, City Center (Monthly)

$2,003 $2,003

$4,499 $4,499

-55.47%

1-bedroom Apartment, Outside City Center (Monthly)

$1,605 $1,605

$3,078 $3,078

-47.87%

3-bedroom Apartment, City Center (Monthly)

$3,281 $3,281

$9,447 $9,447

-65.27%

3-bedroom Apartment, Outside City Center (Monthly)

$2,464 $2,464

$5,190 $5,190

-52.53%

Buy Apartment in City Center (m2)

$2,261 $2,261

$18.1K $18.1K

-87.51%

Buy Apartment Outside City Center (m2)

$2,229 $2,229

$6,693 $6,693

-66.70%

Average Monthly Net Salary (After Tax)

$6,649 $6,649

$5,220 $5,220

27.37%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.43

6.86

-6.27%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Naperville, IL: October 24, 2026

Last update for New York, NY: October 26, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Naperville, IL

$1.6K 57.1%

New York, NY

$3.1K 62.3% 91.8% $1.5K

Groceries & Markets

Naperville, IL

$305 * 10.9%

New York, NY

$563 11.4% 84.6% $258

Eating Out

Naperville, IL

$280 10%

New York, NY

$440 8.9% 57.2% $160

Monthly Utilities & Internet

Naperville, IL

$275 9.8%

New York, NY

$364 7.4% 32.2% $89

Getting Around

Naperville, IL

$152 * 5.4%

New York, NY

$164 3.3% 8.4% $13

Clothing & Footwear

Naperville, IL

$100 3.6%

New York, NY

$175 3.6% 75.7% $76

Sport & Entertainment

Naperville, IL

$95 3.4%

New York, NY

$156 3.2% 64.5% $61

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $2,003 in Naperville, IL versus $4,499 in New York, NY. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 27% higher in Naperville, IL, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $76 in Naperville, IL versus $118 in New York, NY. Monthly groceries follow the same trend: $305 vs $563 – making Naperville, IL the more affordable choice for daily food spending.

Good to know

🇺🇸 Naperville, IL

🇺🇸 New York, NY

🕒 Local time

07:54 7:54 AM

08:54 8:54 AM

1 h ahead of Naperville, IL

🌤 Weather

👥 Population

149,540

8,804,190

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.896 EUR

Exchange rates and currency converter

On the map

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Between locations

Naperville, IL New York, NY 1,170 km ≈ 2 h nonstop flight

From you

Naperville, IL
New York, NY

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Naperville, IL vs New York, NY: Cost of Living - Frequently Asked Questions

New York, NY costs about 76% more than Naperville, IL, and outside of rent the gap comes mainly from groceries. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $4,217 per month in Naperville, IL and $7,412 in New York, NY. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Naperville, IL, especially for central apartments: a one-bedroom in the center costs $2,003 there versus $4,499 in New York, NY.

Public transport costs about 6% less in Naperville, IL. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $1,499 per month in Naperville, IL and $3,558 in New York, NY. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$2,000 is a stretch for both – monthly costs hit $2,811 in Naperville, IL and $4,941 in New York, NY. You’ll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Naperville, IL – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

For expats, Naperville, IL is the easier option financially – housing and daily costs are lower, and overall it costs about 43% less, which matters a lot on a fixed budget or early-career salary.