Last update: Oct 2026

Cost of Living Comparison Between Naperville, IL and Toronto

For one person, living is cheaper in Toronto: $2,610 a month against $2,821 in Naperville, IL, rent and utilities included – about $2,500 less a year. Higher rent and utilities in Naperville, IL outweigh lower spending on other living expenses.

137

Cost of Living Index in Naperville, IL
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Naperville, IL Living Index
126

Cost of Living Index in Toronto
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Toronto Living Index

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Naperville, IL

🇺🇸 United States

$2,821

/mo nomad

Toronto

🇨🇦 Canada

$2,610

/mo nomad

Monthly Cost of Living

How much you'll spend in Naperville, IL and in Toronto

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 Toronto actually costs, broken down by who's living it.

A single person spends $2,821 per month in Naperville, IL vs $2,610 in Toronto, rent included.

Naperville, IL $2,821
Toronto $2,610

A couple spends around $3,974 per month in Naperville, IL vs $3,727 in Toronto, rent included.

Naperville, IL $3,974
Toronto $3,727

A family of three spends $5,127 per month in Naperville, IL vs $4,844 in Toronto, rent included.

Naperville, IL $5,127
Toronto $4,844

Naperville, IL costs about 8% more than Toronto, and outside of rent the biggest gap is in clothing.

Both Naperville, IL and Toronto sit above the global median – Naperville, IL by 108%, Toronto by 93%.

Meal at Budget Restaurant

$14.01 $14.01

$17.59 CA$24.87

-20.35%

Three-Course Dinner for Two, Mid-Range

$74.9 $74.9

$78.8 CA$111

-5.02%

Fast Food Meal (McDonalds, etc)

$11.98 $11.98

$10.73 CA$15.16

11.65%

Cappuccino

$5.27 $5.27

$4.09 CA$5.78

28.85%

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

$2.88 $2.88

$2.10 CA$2.97

37.14%

Water (0.33 liter bottle)

$2.29 $2.29

$1.72 CA$2.43

33.14%

Local Beer (0.5 liter draught)

$6.13 $6.13

$6.36 CA$8.99

-3.62%

Imported Beer (0.33 liter bottle)

$8.45 $8.45

$7.08 CA$10.01

19.35%

Milk (1 liter)

$0.78 $0.78

$2.54 CA$3.59

-69.29%

White Bread (500g)

$2.85 $2.85

$2.72 CA$3.85

4.78%

Rice (white) (1kg)

$2.95 $2.95

$2.18 CA$3.09

35.32%

Eggs

$3.52 $3.52

$3.63 CA$5.13

-3.03%

Local Cheese (1kg)

$7.74 $7.74

$9.46 CA$13.37

-18.18%

Chicken Fillets (1kg)

$11.46 $11.46

$11.54 CA$16.32

-0.69%

Beef Round Steak (1kg)

$10.49 $10.49

$14.37 CA$20.32

-27.00%

Apples (1kg)

$5.49 $5.49

$3.70 CA$5.23

48.38%

Banana (1kg)

$1.66 $1.66

$1.19 CA$1.68

39.50%

Oranges (1kg)

$3.47 $3.47

$3.46 CA$4.90

0.29%

Tomato (1kg)

$5.37 $5.37

$4.22 CA$5.97

27.25%

Potato (1kg)

$1.70 $1.70

$1.79 CA$2.52

-5.03%

Onion (1kg)

$3.35 $3.35

$1.65 CA$2.33

103.03%

Lettuce (1 head)

$1.69 $1.69

$2.20 CA$3.11

-23.18%

Water (1.5 liter bottle)

$1.26 CA$1.78

Cigarettes 20 Pack (Marlboro, Camel)

$12.21 $12.21

$13.97 CA$19.75

-12.60%

Wine (Bottle)

$8.21 $8.21

$14.20 CA$20.07

-42.18%

Local Beer (0.5 liter bottle)

$1.76 $1.76

$2.25 CA$3.18

-21.78%

Imported Beer (0.33 liter bottle)

$3.99 $3.99

$2.53 CA$3.58

57.71%

One-way Ticket (Public Transport)

$2.32 CA$3.28

Public Transport Monthly Pass (Regular Price)

$130 $130

$112 CA$158

16.35%

Taxi Start (Normal Tariff)

$5.61 $5.61

$3.06 CA$4.33

83.33%

Taxi (Normal Tariff) (1km)

$2.91 $2.91

$1.22 CA$1.72

138.52%

Taxi 1hour Waiting (Normal Tariff)

$17.46 $17.46

$21.69 CA$30.66

-19.50%

Gasoline (1 liter)

$1.08 $1.08

$1.21 CA$1.72

-10.74%

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

$24.4K $24.4K

$26.1K CA$37.0K

-6.56%

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

$25.8K $25.8K

$21.1K CA$29.9K

22.06%

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

$173 $173

$120 CA$169

44.70%

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

$52.4 $52.4

$32.21 CA$45.54

62.71%

Internet (50+ Mbps, Unlimited Data)

$51.6 $51.6

$48.88 CA$69.1

5.54%

Gym Membership (Monthly)

$70.7 $70.7

$39.34 CA$55.6

79.69%

Tennis Court (1 Hour on Weekend)

$15.09 $15.09

$23.58 CA$33.34

-36.01%

Cinema Ticket

$11.99 $11.99

$12.58 CA$17.79

-4.69%

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

$1,477 $1,477

$832 CA$1,176

77.58%

International Primary School, 1 Child (Yearly)

$12.7K $12.7K

$23.6K CA$33.4K

-46.28%

Jeans (Levis 501 Or Similar)

$57.5 $57.5

$52.3 CA$73.9

10.06%

Summer Dress (H&M, Zara, etc)

$24.78 $24.78

$39.44 CA$55.8

-37.17%

Sport Shoes (Adidas, Nike)

$87.4 $87.4

$99.0 CA$140

-11.76%

Men's Leather Business Shoes

$50.6 $50.6

$122 CA$172

-58.50%

1-bedroom Apartment, City Center (Monthly)

$2,037 $2,037

$1,631 CA$2,306

24.83%

1-bedroom Apartment, Outside City Center (Monthly)

$1,616 $1,616

$1,448 CA$2,048

11.60%

3-bedroom Apartment, City Center (Monthly)

$3,308 $3,308

$2,737 CA$3,869

20.88%

3-bedroom Apartment, Outside City Center (Monthly)

$2,429 $2,429

$2,129 CA$3,010

14.10%

Buy Apartment in City Center (m2)

$2,253 $2,253

$8,206 CA$11.6K

-72.55%

Buy Apartment Outside City Center (m2)

$2,241 $2,241

$6,838 CA$9,666

-67.22%

Average Monthly Net Salary (After Tax)

$6,526 $6,526

$3,520 CA$4,976

85.40%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.43

4.47

43.85%

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

Last update for Naperville, IL: October 19, 2026

Last update for Toronto: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Naperville, IL

$1.6K 57.3%

Toronto

$1.4K 55.5% 10.4% $168

Groceries & Markets

Naperville, IL

$304 * 10.8%

Toronto

$343 13.1% 12.8% $39

Eating Out

Naperville, IL

$280 9.9%

Toronto

$283 10.9% 1.3% $3.6

Monthly Utilities & Internet

Naperville, IL

$277 9.8%

Toronto

$201 7.7% 27.6% $76

Getting Around

Naperville, IL

$150 * 5.3%

Toronto

$130 5% 13.3% $20

Clothing & Footwear

Naperville, IL

$99 3.5%

Toronto

$141 5.4% 41.9% $42

Sport & Entertainment

Naperville, IL

$95 3.4%

Toronto

$65 2.5% 31.9% $30

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

Cost Breakdown

A central one-bedroom costs $2,037 in Naperville, IL versus $1,631 in Toronto. 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 85% higher in Naperville, IL, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $75.0 in Naperville, IL versus $79.0 in Toronto. Monthly groceries follow the same trend: $304 vs $343 – making Naperville, IL the more affordable choice for daily food spending.

Good to know

🇺🇸 Naperville, IL

🇨🇦 Toronto

🕒 Local time

16:08 4:08 PM

17:08 5:08 PM

1 h ahead of Naperville, IL

🌤 Weather

👥 Population

149,540

2,731,571

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.89 EUR

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

Exchange rates and currency converter

CAD, EUR to USD – United States Dollar Converter

🇨🇦 Canadian Dollar ($)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 20, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Canadian Dollar exchange rates as of October 20, 2026: 1 USD = 1.41 CAD (1 CAD = 0.707 USD). 1 EUR = 1.59 CAD (1 CAD = 0.629 EUR).

CAD to USD in detail →

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Between locations

Naperville, IL Toronto 750 km ≈ 1 h 30 min nonstop flight

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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 Toronto: Cost of Living - Frequently Asked Questions

Naperville, IL costs about 8% more than Toronto, and outside of rent the gap comes mainly from clothing. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $4,231 per month in Naperville, IL and $3,916 in Toronto. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Toronto, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Public transport costs about 16% less in Toronto. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $1,477 per month in Naperville, IL and $832 in Toronto. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$2,500 is a stretch for both – monthly costs hit $2,821 in Naperville, IL and $2,610 in Toronto. You'll need shared housing and careful budgeting no matter which city you pick.

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

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Toronto. If higher salaries, better infrastructure, or specific career opportunities are the priority, Naperville, IL makes more sense. Both are solid long-term options with distinct trade-offs.