Lincoln vs Naperville for Families (2026)
Scroll down for childcare estimates, home price-to-income ratios, and FAQ.
Full family cost breakdown
| Metric | Lincoln Nebraska | Naperville Illinois |
|---|---|---|
| Studio rent / month | $900Better | $1,300 |
| 2BR rent / month | $1,500Better | $2,200 |
| Median home price | $245KBetter | $430K |
| Median household income | $57K | $95KBetter |
| Est. childcare / month | $1,118Better | $1,300 |
| State income tax | 5.8% | 5%Better |
| Sales tax (combined) | 7%Better | 8.5% |
| Monthly utilities | $152Better | $158 |
| Groceries index (US = 100) | 94Better | 100 |
Frequently asked questions
Which city is better for raising a family — Lincoln or Naperville?
Lincoln and Naperville are closely matched for families overall. Housing costs, income levels, and taxes are comparable. Your specific priorities — school quality, commute, outdoor space — should drive the decision.
What is the average 2-bedroom rent in Lincoln vs Naperville?
As of Q1 2026, median 2BR rent is $1,500/month in Lincoln and $2,200/month in Naperville. Lincoln is 32% cheaper for a family-sized apartment.
Can a family afford to buy a home in Lincoln or Naperville?
The price-to-income ratio in Lincoln is 4.3× ($245K median home, $57K median income). In Naperville it's 4.5× ($430K home, $95K income). A ratio below 3× is generally considered affordable — Lincoln is more achievable for first-time family homebuyers.
How much does childcare cost in Lincoln vs Naperville?
Estimated infant/toddler childcare runs approximately $1,118/month in Lincoln and $1,300/month in Naperville, based on national averages scaled by each city's cost-of-living index. Annual childcare cost difference: ~$2,184/year.
Which city has lower taxes for families?
Lincoln has a 5.8% state income tax rate vs Naperville's 5% rate. For a dual-income family earning $120K combined, that difference is roughly $80/month in take-home pay.
$100K in Lincoln has the same purchasing power as $116K in Naperville
Childcare estimates based on national avg scaled by COL index · Data: Zillow, BLS, Numbeo, Tax Foundation · Q1 2026