Naperville IL vs St. Charles MO — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Naperville, IL
Illinois · Population: 149,424
- Median HH Income$150,937
- Median Home Price$618,452
- Unemployment4.2%
- Bachelor's+71.7%
St. Charles, MO
Missouri · Population: 71,542
- Median HH Income$55,578
- Median Home Price$144,200
- Unemployment4.7%
- Bachelor's+22.7%
Detailed Comparison
Demographics
Population
Naperville
149,424
Naperville +
St. Charles
71,542
Pop. Density / sq mi
Lower = more space
Naperville
N/A
St. Charles
N/A
Median Age
Naperville
40.1
St. Charles
37.9
St. Charles +
Foreign Born
Naperville
22.6%
Naperville +
St. Charles
4.2%
White
Naperville
64.5%
St. Charles
80.4%
St. Charles +
Black
Naperville
4.4%
St. Charles
6.7%
St. Charles +
Asian
Naperville
21.8%
Naperville +
St. Charles
1.4%
Hispanic
Naperville
7.4%
St. Charles
7.7%
St. Charles +
Spanish at Home
Naperville
N/A
St. Charles
N/A
| Metric | Naperville, IL | St. Charles, MO | Better |
|---|---|---|---|
| Population | 149,424 | 71,542 | Naperville + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 40.1 | 37.9 | St. Charles + |
| Foreign Born | 22.6% | 4.2% | Naperville + |
| White | 64.5% | 80.4% | St. Charles + |
| Black | 4.4% | 6.7% | St. Charles + |
| Asian | 21.8% | 1.4% | Naperville + |
| Hispanic | 7.4% | 7.7% | St. Charles + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Naperville
$150,937
Naperville +
St. Charles
$55,578
Per Capita Income
Naperville
$71,011
Naperville +
St. Charles
$31,499
Per Capita Personal Income (MSA)
BEA MSA-level
Naperville
$68,110
Naperville +
St. Charles
$58,527
Unemployment Rate
Naperville
4.2%
Naperville +
St. Charles
4.7%
Poverty Rate
Naperville
4.4%
Naperville +
St. Charles
18.7%
Bachelor's Degree+
Naperville
71.7%
Naperville +
St. Charles
22.7%
| Metric | Naperville, IL | St. Charles, MO | Better |
|---|---|---|---|
| Median HH Income | $150,937 | $55,578 | Naperville + |
| Per Capita Income | $71,011 | $31,499 | Naperville + |
| Per Capita Personal Income (MSA)BEA MSA-level | $68,110 | $58,527 | Naperville + |
| Unemployment Rate | 4.2% | 4.7% | Naperville + |
| Poverty Rate | 4.4% | 18.7% | Naperville + |
| Bachelor's Degree+ | 71.7% | 22.7% | Naperville + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Naperville
$618,452
St. Charles
$144,200
St. Charles +
Homeownership Rate
Naperville
74.3%
Naperville +
St. Charles
61.4%
| Metric | Naperville, IL | St. Charles, MO | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $618,452 | $144,200 | St. Charles + |
| Homeownership Rate | 74.3% | 61.4% | Naperville + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Naperville
344
Naperville +
St. Charles
501
Property Crime / 100K
FBI CDE (state-level est.)
Naperville
1842
Naperville +
St. Charles
2418
| Metric | Naperville, IL | St. Charles, MO | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 344 | 501 | Naperville + |
| Property Crime / 100KFBI CDE (state-level est.) | 1842 | 2418 | Naperville + |
Health
Obesity Rate
CDC PLACES
Naperville
27.9%
Naperville +
St. Charles
35.9%
Diabetes Rate
CDC PLACES
Naperville
8.7%
Naperville +
St. Charles
10.4%
Poor Mental Health
CDC PLACES — 14+ days/month
Naperville
12.3%
Naperville +
St. Charles
16.0%
No Health Insurance
CDC PLACES
Naperville
4.6%
Naperville +
St. Charles
7.1%
Binge Drinking
CDC PLACES
Naperville
16.7%
Naperville +
St. Charles
18.4%
Current Smokers
CDC PLACES
Naperville
7.4%
Naperville +
St. Charles
12.5%
| Metric | Naperville, IL | St. Charles, MO | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 27.9% | 35.9% | Naperville + |
| Diabetes RateCDC PLACES | 8.7% | 10.4% | Naperville + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 12.3% | 16.0% | Naperville + |
| No Health InsuranceCDC PLACES | 4.6% | 7.1% | Naperville + |
| Binge DrinkingCDC PLACES | 16.7% | 18.4% | Naperville + |
| Current SmokersCDC PLACES | 7.4% | 12.5% | Naperville + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Naperville
N/A
St. Charles
N/A
Annual Precipitation
NOAA 1991–2020 normal
Naperville
N/A
St. Charles
N/A
| Metric | Naperville, IL | St. Charles, MO | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | N/A | N/A | - |
| Annual PrecipitationNOAA 1991–2020 normal | N/A | N/A | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Naperville
9.4 µg/m³
St. Charles
9.3 µg/m³
St. Charles +
Good Air Days
AQI ≤ 50
Naperville
55.0%
St. Charles
55.0%
Tie
| Metric | Naperville, IL | St. Charles, MO | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 9.4 µg/m³ | 9.3 µg/m³ | St. Charles + |
| Good Air DaysAQI ≤ 50 | 55.0% | 55.0% | Tie |
Commute
Mean Commute Time
Census ACS
Naperville
33.8 min
St. Charles
18.3 min
St. Charles +
| Metric | Naperville, IL | St. Charles, MO | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 33.8 min | 18.3 min | St. Charles + |
Which City is Right for You?
Naperville leads in median household income at $150,937, while st. Charles offers more affordable housing with a median home price of $144,200. On public safety, Naperville is safer with a violent crime rate of 344 per 100,000 residents, compared to 501 in St. Charles. Naperville has a lower unemployment rate at 4.2%, and St. Charles has cleaner air (PM2.5 avg 9.3 µg/m³). For overall health outcomes, Naperville scores better with a lower obesity rate of 27.9%.
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