Cost of Living: Naperville vs Santa Rosa (2026)
Naperville has a 29% lower overall cost of living than Santa Rosa as of Q1 2026. A one-bedroom apartment runs $1,650/mo in Naperville vs $2,200/mo in Santa Rosa — a 25% difference. Naperville has a lower state income tax rate (5% vs 9.3%), which adds up over time.
- Naperville is 29% cheaper overall (COL index: 100 vs 140)
- 1BR rent: $1,650/mo in Naperville vs $2,200/mo — 25% savings
- Higher median household income: Naperville ($95,000/yr vs $72,000/yr)
- Median home price: $430,000 in Naperville vs $680,000 — 37% difference
| Category | Naperville Illinois | Santa Rosa California |
|---|---|---|
| 🏠 HousingQ1 2026 | ||
| Studio rent/mo | $1,300Best | $1,700 |
| 1BR rent/mo | $1,650Best | $2,200 |
| 2BR rent/mo | $2,200Best | $3,000 |
| Median home price | $430KBest | $680K |
| 🛒 Food & GroceriesQ1 2026 | ||
| Groceries index (100 = US avg) | 100Best | 108 |
| Budget meal (1 person) | $14Best | $16 |
| Mid-range dinner (2) | $58Best | $68 |
| 🚌 TransportationQ1 2026 | ||
| Monthly transit pass/mo | $72Best | $72 |
| Gas price/gal | $3.05Best | $4.60 |
| Car insurance/mo | $145Best | $162 |
| ⚡ UtilitiesQ1 2026 | ||
| Monthly utilities bundle/mo | $158 | $148Best |
| Internet/mo | $62Best | $68 |
| 💰 Income & TaxesQ1 2026 | ||
| Median household income/yr | $95KBest | $72K |
| State income tax% | 5.0%Best | 9.3% |
| Sales tax (combined)% | 8.5%Best | 8.5% |
| 🎬 LeisureQ1 2026 | ||
| Movie ticket | $15.00Best | $16.00 |
| Gym membership/mo | $40Best | $52 |
| Beer at restaurant | $6.50Best | $7.50 |
| 📊 OverviewQ1 2026 | ||
| Overall COL index (100 = US avg) | 100Best | 140 |
| Walk score / 100 | 38 | 44Best |
Frequently asked questions
Is Naperville cheaper than Santa Rosa?
Yes. Naperville is 29% cheaper than Santa Rosa based on overall cost of living indices (100 vs 140, where 100 = US average).
What is the average rent in Naperville vs Santa Rosa?
As of Q1 2026, the median 1-bedroom rent in Naperville is $1,650/month and in Santa Rosa is $2,200/month. Naperville is cheaper by 25%.
How much do I need to earn in Santa Rosa to match a $75,000 salary in Naperville?
To maintain a similar lifestyle, you would need approximately $105,000/year in Santa Rosa to match a $75,000 salary in Naperville. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Naperville or Santa Rosa?
Naperville has the lower state income tax rate at 5% vs 9.3%. The difference is 4.3 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Naperville to Santa Rosa?
It depends on your priorities. Naperville offers lower overall costs, but both cities have different job markets, weather, and lifestyle trade-offs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
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