Naperville IL vs Toledo OH — 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%
Toledo, OH
Ohio · Population: 268,461
- Median HH Income$47,532
- Median Home Price$130,101
- Unemployment8.5%
- Bachelor's+21.0%
Detailed Comparison
Demographics
Population
Naperville
149,424
Toledo
268,461
Toledo +
Pop. Density / sq mi
Lower = more space
Naperville
N/A
Toledo
N/A
Median Age
Naperville
40.1
Toledo
35.7
Toledo +
Foreign Born
Naperville
22.6%
Naperville +
Toledo
3.4%
White
Naperville
64.5%
Naperville +
Toledo
58.7%
Black
Naperville
4.4%
Toledo
28.7%
Toledo +
Asian
Naperville
21.8%
Naperville +
Toledo
1.4%
Hispanic
Naperville
7.4%
Toledo
8.9%
Toledo +
Spanish at Home
Naperville
N/A
Toledo
N/A
| Metric | Naperville, IL | Toledo, OH | Better |
|---|---|---|---|
| Population | 149,424 | 268,461 | Toledo + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 40.1 | 35.7 | Toledo + |
| Foreign Born | 22.6% | 3.4% | Naperville + |
| White | 64.5% | 58.7% | Naperville + |
| Black | 4.4% | 28.7% | Toledo + |
| Asian | 21.8% | 1.4% | Naperville + |
| Hispanic | 7.4% | 8.9% | Toledo + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Naperville
$150,937
Naperville +
Toledo
$47,532
Per Capita Income
Naperville
$71,011
Naperville +
Toledo
$27,407
Per Capita Personal Income (MSA)
BEA MSA-level
Naperville
$68,110
Naperville +
Toledo
$58,300
Unemployment Rate
Naperville
4.2%
Naperville +
Toledo
8.5%
Poverty Rate
Naperville
4.4%
Naperville +
Toledo
24.5%
Bachelor's Degree+
Naperville
71.7%
Naperville +
Toledo
21.0%
| Metric | Naperville, IL | Toledo, OH | Better |
|---|---|---|---|
| Median HH Income | $150,937 | $47,532 | Naperville + |
| Per Capita Income | $71,011 | $27,407 | Naperville + |
| Per Capita Personal Income (MSA)BEA MSA-level | $68,110 | $58,300 | Naperville + |
| Unemployment Rate | 4.2% | 8.5% | Naperville + |
| Poverty Rate | 4.4% | 24.5% | Naperville + |
| Bachelor's Degree+ | 71.7% | 21.0% | Naperville + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Naperville
$618,452
Toledo
$130,101
Toledo +
Homeownership Rate
Naperville
74.3%
Naperville +
Toledo
52.7%
| Metric | Naperville, IL | Toledo, OH | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $618,452 | $130,101 | Toledo + |
| Homeownership Rate | 74.3% | 52.7% | Naperville + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Naperville
344
Toledo
319
Toledo +
Property Crime / 100K
FBI CDE (state-level est.)
Naperville
1842
Naperville +
Toledo
1866
| Metric | Naperville, IL | Toledo, OH | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 344 | 319 | Toledo + |
| Property Crime / 100KFBI CDE (state-level est.) | 1842 | 1866 | Naperville + |
Health
Obesity Rate
CDC PLACES
Naperville
27.9%
Naperville +
Toledo
39.3%
Diabetes Rate
CDC PLACES
Naperville
8.7%
Naperville +
Toledo
15.7%
Poor Mental Health
CDC PLACES — 14+ days/month
Naperville
12.3%
Naperville +
Toledo
20.6%
No Health Insurance
CDC PLACES
Naperville
4.6%
Naperville +
Toledo
11.3%
Binge Drinking
CDC PLACES
Naperville
16.7%
Toledo
14.9%
Toledo +
Current Smokers
CDC PLACES
Naperville
7.4%
Naperville +
Toledo
19.9%
| Metric | Naperville, IL | Toledo, OH | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 27.9% | 39.3% | Naperville + |
| Diabetes RateCDC PLACES | 8.7% | 15.7% | Naperville + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 12.3% | 20.6% | Naperville + |
| No Health InsuranceCDC PLACES | 4.6% | 11.3% | Naperville + |
| Binge DrinkingCDC PLACES | 16.7% | 14.9% | Toledo + |
| Current SmokersCDC PLACES | 7.4% | 19.9% | Naperville + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Naperville
N/A
Toledo
50.6°F
Annual Precipitation
NOAA 1991–2020 normal
Naperville
N/A
Toledo
33.4 in
| Metric | Naperville, IL | Toledo, OH | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | N/A | 50.6°F | - |
| Annual PrecipitationNOAA 1991–2020 normal | N/A | 33.4 in | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Naperville
9.4 µg/m³
Naperville +
Toledo
10.3 µg/m³
Good Air Days
AQI ≤ 50
Naperville
55.0%
Toledo
55.0%
Tie
| Metric | Naperville, IL | Toledo, OH | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 9.4 µg/m³ | 10.3 µg/m³ | Naperville + |
| Good Air DaysAQI ≤ 50 | 55.0% | 55.0% | Tie |
Commute
Mean Commute Time
Census ACS
Naperville
33.8 min
Toledo
21.3 min
Toledo +
| Metric | Naperville, IL | Toledo, OH | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 33.8 min | 21.3 min | Toledo + |
Which City is Right for You?
Naperville leads in median household income at $150,937, while toledo offers more affordable housing with a median home price of $130,101. On public safety, Toledo is safer with a violent crime rate of 319 per 100,000 residents, compared to 344 in Naperville. Naperville has a lower unemployment rate at 4.2%, and Naperville has cleaner air (PM2.5 avg 9.4 µg/m³). For overall health outcomes, Naperville scores better with a lower obesity rate of 27.9%.
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