Aurora, IL vs. Naperville, IL: Cost of Living Comparison (2025)
Considering a move to the Chicago suburbs in 2025? Get ready for a head-to-head cost of living comparison: Aurora vs Naperville. We’ll break down housing, utilities, groceries and more to help you decide which city fits your lifestyle and budget.
Quick facts:
- Typical rent in Aurora is $300 less per month than Naperville
- Buying a home in Naperville costs 35% more than Aurora
- Groceries run about 8% cheaper in Aurora
- Naperville has lower property taxes but higher HOA fees
1. Housing Costs
Housing is the biggest factor in the Aurora vs Naperville cost of living. While both are relatively affordable Chicago suburbs, Aurora offers more bang for your buck:
| Housing Type | Aurora | Naperville |
|---|---|---|
| Median 2BR Apartment Rent | $1,350 | $1,650 |
| Median 3BR Home Price | $325,000 | $440,000 |
🏆 Winner: Aurora. You’ll save around $300 per month renting in Aurora compared to Naperville, and homes are significantly more affordable.
2. Utilities and Energy Costs
Utility costs are fairly comparable between Aurora and Naperville. Expect to pay around $180 per month for electricity, gas, water and trash for a 2BR apartment in either city.
Some key differences:
- Aurora has slightly lower electricity rates
- Naperville offers more public utility assistance programs
- Water/sewer fees are about 10% higher in Naperville
🏆 Winner: Tie. Utility costs are a wash when comparing Aurora vs Naperville.
3. Groceries and Daily Expenses
Groceries and everyday items like toiletries and cleaning supplies will cost you about 8% less in Aurora compared to Naperville. Eating out is also a bit cheaper – expect to pay around $12 for a basic meal in Aurora vs $14 in Naperville.
🏆 Winner: Aurora. You’ll save around $40 per month on groceries and dining out in Aurora.
4. Taxes and Fees
Both Aurora and Naperville have relatively high property taxes (around 2.5% of home value), but Naperville’s rate is slightly lower at 2.38% vs 2.64% in Aurora.
However, Naperville has higher HOA fees, which often include extras like landscaping, snow removal, and neighborhood amenities. Budget around $250/month in Aurora and $350/month in Naperville for the typical HOA.
🏆 Winner: Naperville. The lower property tax rate gives Naperville a slight edge, even with the higher HOA fees.
5. Cost Summary Table
| Category | Aurora | Naperville |
|---|---|---|
| Housing (3BR Home) | $1,950 | $2,640 |
| Utilities | $180 | $180 |
| Groceries | $500 | $540 |
| Transportation | $60 | $55 |
| Taxes (Property) | $715 | $875 |
| Misc Expenses | $400 | $450 |
| Estimated Monthly Total | $3,805 | $4,740 |
Note: Figures above are estimates based on a gross monthly income (pre-tax) and represent typical costs for a 3BR home. Your actual costs may vary.
6. Lifestyle Fit
While Aurora offers a lower overall cost of living, Naperville has some lifestyle advantages that may be worth the extra cost for some families:
- Naperville has top-rated schools and more family-oriented amenities
- Naperville is 25% more walkable than Aurora based on Walk Score
- Aurora offers more affordable space and a small-town feel
- Naperville has more public transit with a 30-minute train to Chicago
7. Frequently Asked Questions
Is Aurora more affordable than Naperville?
Yes, Aurora has a lower overall cost of living than Naperville, primarily due to more affordable housing. See our full Cost of Living in Aurora guide for more details.
Which city has lower rent?
Aurora has lower rent than Naperville across all apartment sizes. On average, rent is about $300 cheaper per month in Aurora.
Where is it cheaper to buy a home?
Aurora is more affordable for buying a home, with a median 3BR price around $325,000 compared to $440,000 in Naperville.
8. Conclusion
So, which city wins in the Aurora vs Naperville cost of living comparison? Aurora takes the crown for affordability across most categories, especially housing. A household moving from Naperville to Aurora might save $400/month on housing alone.
However, Naperville remains popular for its top schools, walkable neighborhoods, and quick train access to Chicago. Families who prioritize those amenities may find the extra cost worthwhile.
Ultimately, the right choice depends on your budget, lifestyle, and what matters most to your family. Be sure to check out our other Monthly Budget Examples for Aurora Residents for more cost of living insights.