Naperville vs Billings for Retirees (2026)
Scroll down for retirement income tax breakdown, healthcare estimates, and FAQ.
Full retirement cost breakdown
| Metric | Naperville Illinois | Billings Montana |
|---|---|---|
| 1BR rent / month | $1,650 | $1,200Better |
| Median home price | $430K | $320KBetter |
| State income tax | 5%Better | 6.8% |
| Sales tax (combined) | 8.5% | 0%Better |
| Monthly utilities | $158 | $148Better |
| Groceries index (US = 100) | 100 | 97Better |
| Est. healthcare / month | $500 | $445Better |
| Walk score (0–100) | 38 / 100Better | 26 / 100 |
| Overall COL index (100 = US avg) | 100 | 89Better |
Frequently asked questions
Which city is better for retirement — Naperville or Billings?
Naperville and Billings are closely matched for retirees. Housing costs, tax burden, and overall affordability are similar. Your specific priorities — climate, walkability, family proximity — should guide the decision.
Is retirement income taxed in Naperville or Billings?
Naperville has the lower state income tax rate (5% vs 6.8%). Note that many states exempt Social Security income and some pension income from state taxes even when other income is taxed — check your specific state's retirement tax rules.
What is the estimated monthly healthcare cost in Naperville vs Billings?
Based on national average retiree healthcare spending (~$500/month) scaled by each city's cost-of-living index, estimated monthly healthcare costs are approximately $500 in Naperville and $445 in Billings. That's a difference of ~$55/month, or ~$660/year. Actual costs vary based on your Medicare plan, supplements, and health needs.
Can I afford to retire in Naperville on a $50,000 annual income?
On a $50,000/year ($4,167/month) retirement income in Naperville, rent alone would consume approximately 40% of your budget (1BR rent ~$1,650/mo) and healthcare another ~12%. That leaves roughly 48% (~$2,000/mo) for groceries, transportation, and other expenses. This is tight — a studio apartment or lower-cost neighborhood would help.
Which city is more walkable for retirees?
Naperville has a higher walk score (38 vs 26 out of 100). Walkability is increasingly important for retirees who want to reduce car dependence — a score above 70 means most daily errands can be done on foot. Naperville offers more independence without a car, which also reduces transportation costs.
$50K/year in Naperville has the same purchasing power as $45K/year in Billings
Healthcare estimates based on national avg retiree spending (~$500/mo) scaled by COL index · State income tax rates from Tax Foundation · Data: Zillow, BLS, Numbeo · Q1 2026