Stockton vs Naperville — side-by-side
Cost of living: Stockton vs Naperville (2026)
A $76,000 salary in Stockton buys roughly what $76,000 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
−$1,234/yr
Favoring Naperville for this income & household (illustrative).
With an extra $103/mo in Naperville, you could max a Roth IRA contribution faster and still grow your savings buffer.
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 | Stockton California | Naperville Illinois | Who wins | Your impact at $76K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $1,200Better | $1,300 | Stockton wins +$100/mo | $1,200/yr saves in Stockton |
| 1BR rent/mo | $1,500Better | $1,650 | Stockton wins +$150/mo | $1,800/yr saves in Stockton |
| 2BR rent/mo | $2,000Better | $2,200 | Stockton wins +$200/mo | $2,400/yr saves in Stockton |
| Median home price | $390KBetter | $430K | Stockton wins +$40K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 102 | 100Better | Naperville wins -2 | — |
| Budget meal (1 person) | $14Better | $14 | — | — |
| Mid-range dinner (2) | $58Better | $58 | — | — |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $68Better | $72 | Stockton wins +$4/mo | — |
| Gas price/gal | $4.45 | $3.05Wins | Naperville wins −$1.40 | — |
| Car insurance/mo | $165 | $145Wins | Naperville wins −$20/mo | $240/yr saves in Naperville |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $145Better | $158 | Stockton wins +$13/mo | — |
| Internet/mo | $65 | $62Better | Naperville wins −$3/mo | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $57K | $95KWins | Naperville wins +$38K more/yr | — |
| State income tax% | 9.3% | 5.0%Wins | Naperville wins -4.3 pp | $3,268/yr saves in Naperville |
| Sales tax (combined)% | 9.0% | 8.5%Better | Naperville wins -0.5 pp | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $15.00Better | $15.00 | — | — |
| Gym membership/mo | $40Better | $40 | — | — |
| Beer at restaurant | $6.50Better | $6.50 | — | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 100Better | 100 | — | — |
| Walk score / 100 | 38Better | 38 | — | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Turn ~$3,264/yr tax difference into cash back
Stockton 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 Stockton.
High-yield savings
Grow your move fund while you shop for homes
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
What is the average rent in Stockton vs Naperville?
As of Q1 2026, the median 1-bedroom rent in Stockton is $1,500/month and in Naperville is $1,650/month. Stockton is cheaper by 9%.
How much do I need to earn in Naperville to match a $75,000 salary in Stockton?
To maintain a similar lifestyle, you would need approximately $75,000/year in Naperville to match a $75,000 salary in Stockton. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Stockton or Naperville?
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 Stockton to Naperville?
It depends on your priorities. Both cities have similar overall costs. 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: Stockton ↔ Naperville
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