Moving from Naperville to St. Paul (2026)
St. Paul has a COL index of 97 vs 100 for Naperville (100 = US average). You'd pay about 3% less for the same lifestyle.
Key differences
Salary needed in St. Paul to match your Naperville lifestyle
Based on the 3% cost of living decrease between the two cities.
| Your salary in Naperville | Equivalent in St. Paul |
|---|---|
| $40K | $38,800 |
| $50K | $48,500 |
| $60K | $58,200 |
| $75K | $72,750 |
| $80K | $77,600 |
| $100K | $97,000 |
| $120K | $116,400 |
| $150K | $145,500 |
Monthly budget at $75K — Naperville vs St. Paul
| Expense | Naperville | St. Paul |
|---|---|---|
| Monthly take-home | $4,428 | $4,122 |
| 1BR rent | $1,650 | $1,500 |
| Groceries | $380 | $384 |
| Transport | $72 | $95 |
| Utilities | $158 | $195 |
| Internet | $62 | $63 |
| Left after essentials | $2,106 | $1,885 |
Frequently asked questions
Is St. Paul cheaper than Naperville?
Yes. St. Paul has a cost of living index of 97 vs 100 for Naperville (100 = US average). That's about 3% cheaper.
How much will I save moving from Naperville to St. Paul?
On a $75K salary, moving from Naperville to St. Paul could save roughly $85/month on core expenses. That's ~$1,020/year.
What salary do I need in St. Paul to match my Naperville lifestyle?
To maintain the same purchasing power as $75,000 in Naperville, you'd need roughly $72,750/year in St. Paul. This is based on the overall COL index difference between the two cities.
Estimates based on Q1 2026 COL index and market data. Budget uses simplified federal/state tax rates at $75K. Zillow · BLS · Numbeo · For general guidance only