Naperville wins overall by ~7% (COL index)
Cost of living: Philadelphia vs Naperville (2026)
A $75,000 salary in Philadelphia buys roughly what $70,093 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
−$3,741/yr
Favoring Naperville for this income & household (illustrative).
With the extra $312/mo, you could pay down a $15,000 card balance in ~49 months and still keep ~$37/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 | Philadelphia Pennsylvania | Naperville Illinois | Who wins | Your impact at $75K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $1,600 | $1,300Wins | Naperville wins −$300/mo | $3,600/yr saves in Naperville |
| 1BR rent/mo | $2,000 | $1,650Wins | Naperville wins −$350/mo | $4,200/yr saves in Naperville |
| 2BR rent/mo | $2,600 | $2,200Wins | Naperville wins −$400/mo | $4,800/yr saves in Naperville |
| Median home price | $290KWins | $430K | Philadelphia wins +$140K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 103 | 100Better | Naperville wins -3 | — |
| Budget meal (1 person) | $15 | $14Better | Naperville wins −$1/mo | — |
| Mid-range dinner (2) | $60 | $58Better | Naperville wins −$2/mo | — |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $96 | $72Wins | Naperville wins −$24/mo | $288/yr saves in Naperville |
| Gas price/gal | $3.30 | $3.05Better | Naperville wins −$0.25 | — |
| Car insurance/mo | $175 | $145Wins | Naperville wins −$30/mo | $360/yr saves in Naperville |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $160 | $158Better | Naperville wins −$2/mo | — |
| Internet/mo | $65 | $62Better | Naperville wins −$3/mo | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $55K | $95KWins | Naperville wins +$40K more/yr | — |
| State income tax% | 3.1%Wins | 5.0% | Philadelphia wins +1.9 pp | $1,425/yr saves in Philadelphia |
| Sales tax (combined)% | 8.0%Better | 8.5% | Philadelphia wins +0.5 pp | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $16.00 | $15.00Better | Naperville wins −$1.00 | — |
| Gym membership/mo | $45 | $40Better | Naperville wins −$5/mo | — |
| Beer at restaurant | $7.00 | $6.50Better | Naperville wins −$0.50 | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 107 | 100Better | Naperville wins -7 | — |
| Walk score / 100 | 76Wins | 38 | Philadelphia wins -38 more/yr | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Turn ~$1,428/yr tax difference into cash back
Naperville 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 Naperville.
High-yield savings
Park ~$4,200/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
Ready to move?
Open the full interactive tool to add up to 5 cities, drop in your salary, and see rent burden.
Open full interactive toolComplete the Picture
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 Philadelphia cheaper than Naperville?
No. Naperville is 7% cheaper than Philadelphia based on overall cost of living indices (100 vs 107, where 100 = US average).
What is the average rent in Philadelphia vs Naperville?
As of Q1 2026, the median 1-bedroom rent in Philadelphia is $2,000/month and in Naperville is $1,650/month. Philadelphia is more expensive by 21%.
How much do I need to earn in Naperville to match a $75,000 salary in Philadelphia?
To maintain a similar lifestyle, you would need approximately $70,093/year in Naperville to match a $75,000 salary in Philadelphia. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Philadelphia or Naperville?
Philadelphia has the lower state income tax rate at 3.1% vs 5%. The difference is 1.9 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Philadelphia to Naperville?
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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Salary equivalent: Philadelphia ↔ Naperville
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