Side-by-side cost of living comparison for 2026
12% cheaper
Naperville is 12% more affordable than Miami. A $75,000 salary in Miami is equivalent to $66,142 in Naperville.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: Florida salaries · Illinois salaries
Housing is typically the biggest factor in any cost-of-living comparison. Miami has a housing index of 172 while Naperville sits at 130 (national average = 100). The median home in Miami costs $450,000 compared to $430,000 in Naperville, a difference of $20,000. Monthly rent follows a similar pattern: $2,200 in Miami versus $1,800 in Naperville.
Groceries and everyday expenses show a narrower gap: Miami scores 108 while Naperville scores 104.
Healthcare costs in Miami (99) are lower than Naperville (101). Both are close to the national average.
Median household income in Miami is $44,268 compared to $118,254 in Naperville. When adjusted for cost of living, income goes further in Naperville.
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