Can I Afford to Live in Naperville vs Springfield 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.
Monthly budget breakdown
| Expense | Naperville IL | Springfield MO |
|---|---|---|
| Monthly take-home (est.) | $6,655 | $6,685 |
| 1BR rent | $1,650 | $950 |
| Groceries (est.) | $380 | $353 |
| Transport (est.) | $72 | $42 |
| Utilities | $158 | $155 |
| Internet | $62 | $58 |
| Left after essentials | $4,333/month | $5,127/month |
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 Springfield?
At $120K/year in Springfield, your estimated monthly take-home is $6,685. With 1BR rent around $950/month, rent takes up 14% of your take-home. That's considered very comfortable.
Which city is more affordable on a $120K salary?
Springfield leaves you with more money after core expenses — $5,127/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%.
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