Rockford wins overall by ~18% (COL index)
Cost of living: Rockford vs Naperville (2026)
A $71,000 salary in Rockford buys roughly what $86,585 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
+$9,149/yr
Favoring Rockford for this income & household (illustrative).
With the extra $762/mo, you could pay down a $15,000 card balance in ~20 months and still keep ~$91/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 | Rockford Illinois | Naperville Illinois | Who wins | Your impact at $71K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $850Wins | $1,300 | Rockford wins +$450/mo | $5,400/yr saves in Rockford |
| 1BR rent/mo | $1,050Wins | $1,650 | Rockford wins +$600/mo | $7,200/yr saves in Rockford |
| 2BR rent/mo | $1,400Wins | $2,200 | Rockford wins +$800/mo | $9,600/yr saves in Rockford |
| Median home price | $175KWins | $430K | Rockford wins +$255K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 94Better | 100 | Rockford wins +6 | — |
| Budget meal (1 person) | $11Wins | $14 | Rockford wins +$3/mo | — |
| Mid-range dinner (2) | $48Wins | $58 | Rockford wins +$10/mo | — |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $50Wins | $72 | Rockford wins +$22/mo | $264/yr saves in Rockford |
| 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 | $58Better | $62 | Rockford wins +$4/mo | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $47K | $95KWins | Naperville wins +$48K 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 | Rockford wins +$2.00 | — |
| Gym membership/mo | $33Wins | $40 | Rockford wins +$7/mo | — |
| Beer at restaurant | $5.00Wins | $6.50 | Rockford wins +$1.50 | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 82Wins | 100 | Rockford wins +18 | — |
| Walk score / 100 | 34 | 38Better | Naperville wins +4 more/yr | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Maximize everyday spend in your new city
Rockford 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 Rockford.
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
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Invest the surplus on autopilot
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Frequently asked questions
Is Rockford cheaper than Naperville?
Yes. Rockford is 18% cheaper than Naperville based on overall cost of living indices (82 vs 100, where 100 = US average).
What is the average rent in Rockford vs Naperville?
As of Q1 2026, the median 1-bedroom rent in Rockford is $1,050/month and in Naperville is $1,650/month. Rockford is cheaper by 36%.
How much do I need to earn in Naperville to match a $75,000 salary in Rockford?
To maintain a similar lifestyle, you would need approximately $91,463/year in Naperville to match a $75,000 salary in Rockford. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Rockford 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 Rockford to Naperville?
It depends on your priorities. Rockford 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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