Carmel vs Naperville
The short version
- Carmel is cheaper overall: prices in its metro run 8% lower than in the Naperville area (BEA 2024).
- The median home costs $486,800 in Carmel and $540,200 in Naperville.
- Households earn more in Naperville ($155,105 vs $141,505 median).
- Carmel is growing faster: +5.9% since 2020 vs +2.4%.
- Commutes are shorter in Carmel (25 vs 31 minutes each way).
Side by side
| Carmel, IN | Naperville, IL | |
|---|---|---|
| People | ||
| Population (2025) | 105,634 | 153,114 |
| Growth since 2020 | +5.9% | +2.4% |
| People per square mile | 2,152 | 3,891 |
| Median age | 40.6 | 40.4 |
| Bachelor's degree or higher | 74% | 73% |
| Money and housing | ||
| Median household income | $141,505 | $155,105 |
| Median home value | $486,800 | $540,200 |
| Home value to income | 3.4× | 3.5× |
| Median rent (with utilities) | $1,712 | $1,885 |
| Metro price level (US = 100) | 95.7 | 103.6 |
| Housing price level (US = 100) | 88.9 | 112.0 |
| $75,000 elsewhere equals | $71,800 | $77,700 |
| Homeowners | 74% | 75% |
| Top state income tax | 2.95% | 4.95% |
| Combined sales tax | 7% | 8.98% |
| Work and commute | ||
| Average commute (minutes) | 24.6 | 30.5 |
| Work from home | 27% | 31% |
| Take public transit | 0% | 5% |
| Unemployment (2020-24 avg) | 2.7% | 4.5% |
| Poverty rate | 3.9% | 4.4% |
| Weather | ||
| January high / low | 36° / 20° | 33° / 17° |
| July high / low | 85° / 65° | 86° / 63° |
| Precipitation per year | 47 in | 40 in |
| Snowfall per year | 27 in | 24 in |
| Days 90°F or hotter | 19 | 29 |
| Nights below freezing | 113 | 128 |
| Comfortable months | 3 | 5 |
| Risks, air and home prices | ||
| Natural hazard risk (FEMA, county) | Relatively Moderate | Relatively High |
| FEMA risk score (lower is safer) | 88.8 | 97.6 |
| Good air days, 2025 | 38% | 30% |
| Home prices, past year | +3.5% | +6.2% |
| Home prices, past 5 years | +43.8% | +45.5% |
Highlighted cells are the better value where "better" is clear (lower prices, higher income, shorter commutes). Sources: Census Bureau 2025 estimates and ACS 2020-2024, BEA 2024, NOAA 1991-2020, Tax Foundation 2026.
Weather, month by month
Most comfortable months: Carmel: August to October. Naperville: May and July to October.
Full monthly tables: Carmel weather by month and Naperville weather by month.
What $75,000 is worth
A $75,000 salary in an average-priced US city buys about the same as $71,800 in Carmel and $77,700 in Naperville. Moving from Carmel to Naperville, you would need about $81,200 to match a $75,000 salary.
Moving between Carmel and Naperville
IRS county-to-county migration, 2022 to 2023 tax years, for the counties that contain each city. See where else people move from Carmel and Naperville.
Which would you pick?
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