Champaign, IL vs Naperville, IL

The cost of living difference between Champaign, IL and Naperville, IL is dramatic. Champaign is 39.1% cheaper than Naperville, a gap that translates to thousands of dollars per year in household expenses. Champaign has a cost index of 82 while Naperville sits at 134, making this one of the more striking comparisons on our site. Relocating between these cities would require a serious reassessment of budget and lifestyle expectations.

On the housing front, median rent in Champaign is $1,103/month compared to $1,852/month in Naperville — a 40% difference. Home values follow the same pattern: Champaign is more affordable at $199,700 median vs $509,900.

Median household income in Champaign is $57,544 compared to $150,937 in Naperville (-61.9%). While Naperville is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Champaign spend roughly 23% of their income on rent, more than the 14.7% in Naperville.