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Naperville, Illinois Retirement Guide
Retirement Score
Naperville, Illinois at a Glance
- Median Home Price
- $484,400
- State Income Tax
- State income tax; Social Security and retirement income (pensions, 401k, IRA) fully exempt.
- Avg January Low
- 16.2°F
- Cost of Living Index
- 101.2 (US avg = 100)
- RetireCityIQ Score
- 42 / 100
Overview
Explore the key retirement factors for Naperville, Illinois, including cost of living, taxes, healthcare quality, and climate data.
Cost of Living
Affordability Metrics
Naperville's cost of living is 1.2000000000000028% above the national average. For a detailed breakdown of expenses, see our cost of living methodology.
Housing
Real Estate & Housing
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Naperville using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$1,050
Stress-case monthly carrying cost
$1,179
Median home price used: $484,400
Median rent reference: $1,761 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.
Budget validation
Calculate if your savings last in this city
Use RetireFree to test whether your portfolio can support retirement in Naperville, Illinois after local housing costs, taxes, healthcare, inflation, and withdrawal timing.
Open the RetireFree Calculator →Healthcare
Access & Quality
Quality of care and specialist availability are critical for a successful retirement. Naperville scores 15.8 out of 100 for healthcare access.
Care planning link
Find local assisted living in Naperville
If your city research includes aging parents, future care needs, or a move closer to family, compare local care options alongside housing and healthcare access.
Assisted living in Naperville →Taxes
State Tax Climate
Illinois has a tax environment that is moderate for retirees.
Climate
Weather & Environment
With 270 sunny days a year and an average January low of 16.2°F, Naperville offers a traditional winter climate.
Safety & Walkability
Community Safety
Walkability
Demographics
Population Profile
Diversity Breakdown
Frequently asked questions about retiring in Naperville
What is the cost of living in Naperville, Illinois for retirees?▾
The cost-of-living index is 101, roughly 1% above the national average of 100. Median home price is around $484,400.
Does Illinois tax Social Security or retirement income?▾
For Illinois residents: State income tax; Social Security and retirement income (pensions, 401k, IRA) fully exempt.
What is the climate like in Naperville, Illinois?▾
Naperville, Illinois has January average low around 16°F, July average high around 83°F. Climate normals are based on 30-year averages from NOAA's National Centers for Environmental Information.
What is healthcare access like in Naperville, Illinois?▾
Naperville scores 16/100 on the RetireCityIQ healthcare access index — a limited score. The index combines CMS hospital quality ratings, Medicare Advantage plan availability, and hospitals per 100,000 residents (KFF + CMS data).
Local Professionals
Financial Advisors
CALAMOS WEALTH MANAGEMENT LLC
MILLINGTON FINANCIAL ADVISORS, LLC
CALAMOS ADVISORS LLC
+56 more financial advisors available