Port St. Lucie vs Naperville: Cost of Living Comparison
How does the cost of living in Port St. Lucie, Florida compare to Naperville, Illinois? Below is a side-by-side breakdown of housing costs, income, wages, and taxes using official government data.
Summary: Port St. Lucie is the more affordable city overall. Housing costs are 39% lower in Port St. Lucie compared to Naperville, while rent is 6% lower. FL has no state income tax.
| Metric | Port St. Lucie, FL | Naperville, IL | Diff |
|---|---|---|---|
| Housing | |||
| Median Home Value | $292,900 | $482,600 | -39.3% |
| Median Monthly Rent | $1,684 | $1,787 | -5.8% |
| Income | |||
| Median Household Income | $75,040 | $143,754 | -47.8% |
| Per Capita Income | $35,301 | $67,706 | -47.9% |
| Taxes | |||
| State Income Tax Rate | None | 5.0% | -100.0% |
| Combined Sales Tax | 7.0% | 8.8% | -20.6% |
| Demographics | |||
| Population | 210,520 | 149,089 | +41.2% |
Source: U.S. Census Bureau ACS 5-Year Estimates (2022), Freddie Mac Primary Mortgage Market Survey. State/local tax rates from Tax Foundation (2024).
Rent vs. Buy Calculator — Port St. Lucie
Default home price from Census ACS median. Mortgage rate: 6.38% (Freddie Mac PMMS, March 2026). Property tax est. 1.1%, insurance est. 0.35% of home value annually.
Rent vs. Buy Calculator — Naperville
Default home price from Census ACS median. Mortgage rate: 6.38% (Freddie Mac PMMS, March 2026). Property tax est. 1.1%, insurance est. 0.35% of home value annually.
Key Takeaways
- Housing: The median home in Port St. Lucie costs $292,900 compared to $482,600 in Naperville — a 39% discount.
- Rent: Median rent is $1,684/mo in Port St. Lucie vs $1,787/mo in Naperville.
- Income: Median household income is $75,040 in Port St. Lucie and $143,754 in Naperville.
- Taxes: Florida has no state income tax, while Illinois has a 4.95% rate.
Methodology
This comparison uses data from the U.S. Census Bureau American Community Survey 5-Year Estimates (2022) for median household income, median home value, median gross rent, per capita income, and population. State and local tax rates are sourced from the Tax Foundation. Mortgage rates are from the Freddie Mac Primary Mortgage Market Survey (updated weekly).