Can I Afford to Live in Naperville vs Lubbock on $120K?

Here's how a $120K/year salary plays out in both cities after taxes, rent, and core living expenses — based on Q1 2026 data.

Naperville, IL
$6,655/mo take-home
Rent: $1,650/mo (25% of take-home)
Comfortable
Lubbock, TX
$7,155/mo take-home
Rent: $1,000/mo (14% of take-home)
Very comfortable
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Monthly budget breakdown

Naperville
IL
Lubbock
TX
Monthly take-home (est.)
$6,655
$7,155Best ✓
1BR rent
$1,650
$1,000Best ✓
Groceries (est.)
$380
$346Best ✓
Transport (est.)
$72
$38Best ✓
Utilities
$158Best ✓
$172
Internet
$62
$58Best ✓
Left after essentials
$4,333/month
$5,541/month
Lubbock (Texas) has no state income tax, boosting take-home vs Naperville (IL rate: 5%).

Frequently asked questions

Is $120K a good salary in Naperville?

At $120K/year in Naperville, your estimated monthly take-home is $6,655. With 1BR rent around $1,650/month, rent takes up 25% of your take-home. That's considered comfortable.

Is $120K a good salary in Lubbock?

At $120K/year in Lubbock, your estimated monthly take-home is $7,155. With 1BR rent around $1,000/month, rent takes up 14% of your take-home. That's considered very comfortable.

Which city is more affordable on a $120K salary?

Lubbock leaves you with more money after core expenses — $5,541/month vs $4,333/month in Naperville.

Can I afford to live alone in Naperville on $120K?

Yes. At $120K in Naperville, rent takes 25% of your take-home, leaving $4,333/month after essentials. Most financial planners recommend keeping rent below 30%.

Compare other salary bands — Naperville vs Lubbock

$40K$50K$60K$75K$80K$100K$150K

See the full cost-of-living comparison

Rent, groceries, taxes, transportation, and more — side by side.

Full comparison

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