Elgin, IL vs. Naperville, IL: Cost of Living Comparison (2025)
This article provides a cost of living comparison: Elgin vs Naperville. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life cost of Elgin vs Naperville in 2025.
1. Housing Costs
Housing is typically the biggest factor in cost of living. Here’s how Elgin and Naperville stack up for common housing options:
| Housing Type | Elgin | Naperville |
|---|---|---|
| Median 2BR Apartment Rent | $1,450 | $1,850 |
| Median 3BR Home Price | $325,000 | $475,000 |
🏆 Winner: Elgin
Elgin offers more affordable housing options, with median rents and home prices around 20-30% lower than Naperville. A household moving from Naperville to Elgin might save $400/month on housing alone.
2. Utilities and Energy Costs
Utility costs are fairly similar between the two cities. Expect monthly bills around:
- Electricity: $120-150
- Water/Sewer/Trash: $60-90
- Internet: $50-80
Winter heating bills may be slightly higher in Elgin. Both cities offer energy-saving programs like off-peak plans.
🏆 Winner: Naperville
3. Groceries and Daily Expenses
Grocery costs are comparable in Elgin and Naperville, with Naperville trending about 5% higher. Eating out is more expensive in Naperville, especially at high-end restaurants.
Expect to spend around $350-500/month per person on groceries and dining out in either city.
🏆 Winner: Elgin
4. Taxes and Fees
Elgin has lower property taxes than Naperville, averaging 2.3% vs 2.7% of home value annually. However, Naperville’s city services and amenities are top-notch. In Elgin, HOA fees often include landscaping and trash, while Naperville HOAs focus more on amenities.
🏆 Winner: Elgin
5. Cost Summary Table
| Category | Elgin | Naperville |
|---|---|---|
| Housing | $1,450 | $1,850 |
| Utilities | $250 | $240 |
| Groceries | $400 | $420 |
| Transportation | $200 | $180 |
| Taxes | $625 | $900 |
| Misc | $300 | $350 |
| Estimated Monthly Total | $3,225 | $3,940 |
These estimates reflect typical pre-tax monthly expenses for a family. Your actual cost of living in Elgin vs Naperville will depend on your unique needs and lifestyle. For more insights, check out these Monthly Budget Examples for Elgin Residents.
6. Lifestyle Fit
Elgin offers more affordable housing and a quieter suburban feel. Naperville has excellent schools, amenities, and a vibrant downtown – but at a cost. Naperville is very walkable, while Elgin is more car-dependent.
7. FAQ
Is Elgin more affordable than Naperville?
Yes, Elgin has a lower overall cost of living, especially for housing. See our full Cost of Living in Elgin (2025 Guide) for more details.
Which city has lower rent?
Elgin has lower average rent prices. A typical 2BR apartment is around $400 cheaper per month in Elgin compared to Naperville.
Where is it cheaper to buy a home?
Elgin has lower median home prices, by roughly $150,000 for a 3BR house. Property taxes are also lower in Elgin.
8. Conclusion
Elgin is the clear winner for affordability, especially for housing costs. However, Naperville’s higher cost of living comes with top-rated schools, amenities, and quality of life. Young professionals may prefer Naperville’s walkable downtown, while families looking to maximize space on a budget will find better value in Elgin.
Ultimately, the right choice between Elgin and Naperville depends on your priorities and stage of life. We hope this cost of living comparison helps inform your decision! For more insights, check out our other cost of living breakdowns for popular Illinois cities.