Can I Afford to Live in Naperville vs Chicago on $80K?
Here's how a $80K/year salary plays out in both cities after taxes, rent, and core living expenses — based on Q1 2026 data.
Monthly budget breakdown
| Expense | Naperville IL | Chicago IL |
|---|---|---|
| Monthly take-home (est.) | $4,723 | $4,730 |
| 1BR rent | $1,650 | $1,900 |
| Groceries (est.) | $380 | $388 |
| Transport (est.) | $72 | $105 |
| Utilities | $158 | $165 |
| Internet | $62 | $65 |
| Left after essentials | $2,401/month | $2,107/month |
Frequently asked questions
Is $80K a good salary in Naperville?
At $80K/year in Naperville, your estimated monthly take-home is $4,723. With 1BR rent around $1,650/month, rent takes up 35% of your take-home. That's considered manageable.
Is $80K a good salary in Chicago?
At $80K/year in Chicago, your estimated monthly take-home is $4,730. With 1BR rent around $1,900/month, rent takes up 40% of your take-home. That's considered tight.
Which city is more affordable on a $80K salary?
Naperville leaves you with more money after core expenses — $2,401/month vs $2,107/month in Chicago.
Can I afford to live alone in Naperville on $80K?
Yes. At $80K in Naperville, rent takes 35% of your take-home, leaving $2,401/month after essentials. Most financial planners recommend keeping rent below 30%.
See the full cost-of-living comparison
Rent, groceries, taxes, transportation, and more — side by side.
Take-home estimates use simplified federal/state brackets and do not account for pre-tax deductions, 401(k), or local taxes. Data: Zillow, BLS, Numbeo · Q1 2026 · For general guidance only