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Naperville, Illinois Retirement Guide
established retirement community
42
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)
- Best For
- established retirement community
- RetireCityIQ Score
- 42 / 100
Retirement Data
Affordability
Cost of Living Index
101.2 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$484,400High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$1,761High confidence
U.S. Census ACS 1-Year · Updated April 2026
Taxes
Retirement Tax Score
60 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security and retirement income (pensions, 401k, IRA) fully exempt.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
15.8 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
49.1 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
15.8 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
82.9°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
16.2°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
45.4"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
270 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
100 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
12.3 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
24.1 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
149,089High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
39.5High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
13.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$143,754High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
74.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
3.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
70.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
4.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
66.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
4.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
6.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
21.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
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.