Peoria wins overall by ~17% (COL index)
Cost of living: Peoria vs Naperville (2026)
A $72,500 salary in Peoria buys roughly what $87,349 does in Naperville (COL-adjusted). Your real trade-offs are taxes, rent, and day-to-day prices — we break them down and personalize below.
Your move simulator
Tell us about your household — we calculate your real annual savings.
Estimated annual swing
+$9,021/yr
Favoring Peoria for this income & household (illustrative).
With the extra $752/mo, you could pay down a $15,000 card balance in ~20 months and still keep ~$90/mo for dining out.
Studio rent/mo
1BR rent/mo
2BR rent/mo
Median home price
Groceries index (100 = US avg)
Budget meal (1 person)
Mid-range dinner (2)
Monthly transit pass/mo
Gas price/gal
Car insurance/mo
Monthly utilities bundle/mo
Internet/mo
Median household income/yr
State income tax%
Sales tax (combined)%
Movie ticket
Gym membership/mo
Beer at restaurant
Overall COL index (100 = US avg)
Walk score / 100
| Category | Peoria Illinois | Naperville Illinois | Who wins | Your impact at $73K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $850Wins | $1,300 | Peoria wins +$450/mo | $5,400/yr saves in Peoria |
| 1BR rent/mo | $1,050Wins | $1,650 | Peoria wins +$600/mo | $7,200/yr saves in Peoria |
| 2BR rent/mo | $1,400Wins | $2,200 | Peoria wins +$800/mo | $9,600/yr saves in Peoria |
| Median home price | $175KWins | $430K | Peoria wins +$255K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 95Better | 100 | Peoria wins +5 | — |
| Budget meal (1 person) | $12Wins | $14 | Peoria wins +$2/mo | — |
| Mid-range dinner (2) | $48Wins | $58 | Peoria wins +$10/mo | — |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $55Wins | $72 | Peoria wins +$17/mo | — |
| Gas price/gal | $3.05Better | $3.05 | — | — |
| Car insurance/mo | $148 | $145Better | Naperville wins −$3/mo | — |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $158Better | $158 | — | — |
| Internet/mo | $60Better | $62 | Peoria wins +$2/mo | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $50K | $95KWins | Naperville wins +$45K more/yr | — |
| State income tax% | 5.0%Better | 5.0% | — | — |
| Sales tax (combined)% | 8.5%Better | 8.5% | — | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $13.00Wins | $15.00 | Peoria wins +$2.00 | — |
| Gym membership/mo | $33Wins | $40 | Peoria wins +$7/mo | — |
| Beer at restaurant | $5.00Wins | $6.50 | Peoria wins +$1.50 | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 83Wins | 100 | Peoria wins +17 | — |
| Walk score / 100 | 38Better | 38 | — | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Maximize everyday spend in your new city
Peoria fits your move math — cash-back cards stack on groceries, gas, and dining you're already doing.
Home + auto bundle
New state — new insurance rates
Bundling often saves hundreds/yr. Compare before you sign a lease in Peoria.
High-yield savings
Park ~$7,200/yr rent savings at 4–5%+ APY
Don't let relocation cash sit at 0% — put it to work until closing day.
More ways to compare this move
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Open the full interactive tool to add up to 5 cities, drop in your salary, and see rent burden.
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While you’re comparing — don’t leave money on the table.
If cash is tight
Knock down high-interest debt first
A move has upfront costs — a balance transfer or personal loan can lower APR while you settle in.
If you're saving big
Invest the surplus on autopilot
Brokerages and robo-advisors help you dollar-cost average into the market with your new slack.
Frequently asked questions
Is Peoria cheaper than Naperville?
Yes. Peoria is 17% cheaper than Naperville based on overall cost of living indices (83 vs 100, where 100 = US average).
What is the average rent in Peoria vs Naperville?
As of Q1 2026, the median 1-bedroom rent in Peoria is $1,050/month and in Naperville is $1,650/month. Peoria is cheaper by 36%.
How much do I need to earn in Naperville to match a $75,000 salary in Peoria?
To maintain a similar lifestyle, you would need approximately $90,361/year in Naperville to match a $75,000 salary in Peoria. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Peoria or Naperville?
Naperville has the lower state income tax rate at 5% vs 5%. The difference is 0.0 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Peoria to Naperville?
It depends on your priorities. Peoria 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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