Cost of Living: Tampa vs Naperville (2026)
Naperville has a 4% lower overall cost of living than Tampa as of Q1 2026. A one-bedroom apartment runs $1,650/mo in Naperville vs $2,000/mo in Tampa — a 21% difference. Tampa has no state income tax, giving residents more take-home pay than those in Naperville (5% rate).
- Naperville is 4% cheaper overall (COL index: 104 vs 100)
- 1BR rent: $1,650/mo in Naperville vs $2,000/mo — 18% savings
- Tampa has 0% state income tax — saves ~$3,300+/yr at a $75K salary
- Higher median household income: Naperville ($95,000/yr vs $60,000/yr)
- Median home price: $380,000 in Tampa vs $430,000 — 12% difference
| Category | Tampa Florida | Naperville Illinois |
|---|---|---|
| 🏠 HousingQ1 2026 | ||
| Studio rent/mo | $1,600 | $1,300Best |
| 1BR rent/mo | $2,000 | $1,650Best |
| 2BR rent/mo | $2,700 | $2,200Best |
| Median home price | $380KBest | $430K |
| 🛒 Food & GroceriesQ1 2026 | ||
| Groceries index (100 = US avg) | 99Best | 100 |
| Budget meal (1 person) | $14Best | $14 |
| Mid-range dinner (2) | $58Best | $58 |
| 🚌 TransportationQ1 2026 | ||
| Monthly transit pass/mo | $65Best | $72 |
| Gas price/gal | $3.20 | $3.05Best |
| Car insurance/mo | $210 | $145Best |
| ⚡ UtilitiesQ1 2026 | ||
| Monthly utilities bundle/mo | $195 | $158Best |
| Internet/mo | $65 | $62Best |
| 💰 Income & TaxesQ1 2026 | ||
| Median household income/yr | $60K | $95KBest |
| State income tax% | 0.0%Best | 5.0% |
| Sales tax (combined)% | 7.5%Best | 8.5% |
| 🎬 LeisureQ1 2026 | ||
| Movie ticket | $15.00Best | $15.00 |
| Gym membership/mo | $38Best | $40 |
| Beer at restaurant | $6.00Best | $6.50 |
| 📊 OverviewQ1 2026 | ||
| Overall COL index (100 = US avg) | 104 | 100Best |
| Walk score / 100 | 50Best | 38 |
Frequently asked questions
Is Tampa cheaper than Naperville?
No. Naperville is 4% cheaper than Tampa based on overall cost of living indices (100 vs 104, where 100 = US average).
What is the average rent in Tampa vs Naperville?
As of Q1 2026, the median 1-bedroom rent in Tampa is $2,000/month and in Naperville is $1,650/month. Tampa is more expensive by 21%.
How much do I need to earn in Naperville to match a $75,000 salary in Tampa?
To maintain a similar lifestyle, you would need approximately $72,115/year in Naperville to match a $75,000 salary in Tampa. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Tampa or Naperville?
Tampa has the lower state income tax rate at 0% vs 5%. Tampa has no state income tax at all, which can save thousands of dollars per year depending on your income. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Tampa to Naperville?
It depends on your priorities. Naperville offers lower overall costs and tax advantages, 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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