Last Updated on May 29, 2025 by Kari-Ann Ryan
Naperville, Illinois, consistently ranks among the best places to live in the U.S., celebrated for its top-rated public schools, low crime rate, walkable neighborhoods, and vibrant downtown. It’s a favorite for families, professionals, and retirees alike.
But is Naperville expensive to live in? Yes—and understanding why is important if you’re planning to relocate. The city’s exceptional quality of life comes with a higher price tag. Housing costs in particular are a major factor, with median home prices around 46% above the national average, according to BestPlaces.net. Healthcare, transportation, and groceries also trend slightly higher than in other U.S. cities.
If you’re considering a move to Naperville in 2025—whether for career opportunities, family life, or retirement—this guide breaks down the real cost of living so you can make an informed decision. From housing and utilities to food, transportation, and healthcare, we’ll show you what to expect in one of Illinois’ most sought-after suburbs.
Housing Costs in Naperville (2025)
Housing remains the most significant contributor to Naperville’s cost of living. As of 2025:
- Median home price: $535,000
— 45.9% higher than the U.S. average ($338,100)
— 104.1% higher than the Illinois state average ($241,700) - Average rent for a two-bedroom apartment: $2,093/month
These prices reflect Naperville’s desirability—driven by top-rated District 203/204 schools, attractive neighborhoods, and proximity to parks, trails, and the downtown Riverwalk. However, they also mean housing can consume a substantial portion of your income, especially for first-time buyers or renters.
Utilities and Monthly Household Expenses
Utility costs in Naperville are relatively moderate:
- Basic utilities (electricity, heat, water, trash): ~$173.33/month
- High-speed internet (average package): ~$51.25/month
These expenses align closely with national averages, meaning they won’t drastically impact your monthly budget compared to other cities.
Grocery and Food Prices in Naperville
Grocery costs in Naperville are about 4% higher than the national average. Here’s what you can expect to pay for common items:
- Loaf of bread: $4.12
- Gallon of milk: $4.86
- Dozen eggs: $3.60
- Bananas (bunch): $0.75
- Hamburger: $5.75
Dining out will also cost more than in smaller towns. A meal at an inexpensive restaurant averages $15 per person, while a mid-range dinner for two could easily exceed $60.
Transportation Costs in Naperville
Transportation expenses are 5% higher than the U.S. average. While public transportation options like Metra and Pace buses are available, many residents rely on personal vehicles.
Typical transportation expenses include:
- One-way transit ticket: $6.00
- Monthly public transit pass: $129.00
- Gasoline (per gallon): $3.57
- Average car insurance (monthly): Varies by age and provider, typically $100–$150
Healthcare Costs in Naperville
Access to high-quality healthcare comes with a price. Healthcare in Naperville is estimated to be 7% more expensive than the national average.
Here are average 2025 costs for common healthcare services:
- Doctor’s visit: $150.29
- Dentist appointment: $123.59
- Optometrist visit: $137.66
- Prescription meds (monthly): $260.93
- Veterinarian visit: $72.88
Many residents appreciate the access to award-winning hospitals and specialists, but should be prepared for slightly higher out-of-pocket costs.
Cost Comparison: Naperville vs. Nearby Suburbs
| Expense Category | Naperville | Schaumburg | Evanston | Chicago |
|---|---|---|---|---|
| Housing | 124% above national avg. | 39.8% less expensive than Naperville | 13.9% less expensive | Median home: $355,000 |
| Utilities | 6% below national avg. | Comparable | Comparable | Comparable |
| Groceries | 4% above national avg. | Comparable | Comparable | Comparable |
| Transportation | 5% above national avg. | Comparable | Comparable | Comparable |
| Healthcare | 7% above national avg. | 7.3% less than Naperville | Comparable | Comparable |
Schaumburg and Evanston may be appealing alternatives for those looking to reduce housing costs without sacrificing access to amenities and good schools.
What Salary Do You Need to Live Comfortably in Naperville?
To maintain a comfortable lifestyle in Naperville, you’ll need the following estimated annual income in 2025:
- Single adult: ~$68,000
- Family of four: ~$94,680
These figures account for essential expenses like housing, food, healthcare, and transportation—but should be adjusted based on lifestyle choices, debt obligations, and savings goals.
Is Living in Naperville Worth the Cost?
Naperville continues to offer a top-tier suburban experience—with walkable neighborhoods, vibrant shopping and dining, award-winning schools, and community-centric events like the Last Fling and Ribfest.
However, living here requires thoughtful budgeting and income planning. If your career, family goals, or lifestyle align with what Naperville offers, many residents consider the higher costs well worth the value.
Helpful Tips Before Moving to Naperville, IL
- Use cost-of-living calculators to compare Naperville with your current city.
- Speak with a local real estate agent for up-to-date housing trends and taxes.
- Evaluate your commute—Metra trains, traffic patterns, and car ownership may affect your transportation budget.
- Review school districts if you have children—Districts 203 and 204 are both highly rated.
Ready to Move to Naperville? Let Mid-West Moving & Storage Make It Easy
Moving to Naperville is a major step—and knowing your moving costs ahead of time can make all the difference. At Mid-West Moving & Storage, we provide transparent, customized estimates so you know exactly what to expect. Whether you’re relocating from another Chicago suburb or moving long-distance, our team of experienced movers is here to help. Why Choose Mid-West Moving & Storage?
- Professional, background-checked movers
- Full-service packing, loading, and unpacking
- Secure short- and long-term storage options
- Accurate moving quotes tailored to your needs
- Over 40 years of trusted service in the Midwest
Whether you’re upsizing, downsizing, or relocating your family for a better quality of life, our dedicated movers will handle every detail with care.
Not sure what your move will cost? Try our moving cost calculator to get a quick, personalized estimate and plan your budget with confidence.
Contact Mid-West Moving & Storage today for your free, no-obligation moving quote, and take the first step toward a stress-free move to Naperville.
