Elgin, IL vs Naperville, IL
Side-by-side fiscal comparison · U.S. Census Bureau data (2023)
Naperville, IL and Elgin, IL spend within 10.7% of each other per resident — $15,751 versus $14,229 — so on the headline spending-per-capita measure the two cities are effectively neck and neck.
Elgin, IL holds the stronger Fiscal Health Score, 58/100 (grade C) against 45/100 (grade D) for Naperville, IL — a 13-point spread that puts the two in different grade territory.
On debt, Elgin, IL carries the lighter load at $617 per resident versus $1,028 for Naperville, IL. Their budgets diverge on where the largest per-resident dollars go: Elgin, IL leads with parks and recreation at $1,641 per resident, while Naperville, IL leads with health at $1,028.
On the revenue side both lean hardest on charges and fees — 43% of total revenue in Elgin, IL and 68% in Naperville, IL.
Summary
Naperville spends 9.7% more per capita than Elgin ($1,521/person difference). Elgin, IL has the stronger Fiscal Health Score (C, 58/100).
Fiscal Health Score
Key Metrics
Per Capita Spending by Department
Revenue Breakdown (Per Capita)
| Sales Tax | $754 | $0 |
| Income Tax | $651 | $0 |
| Intergovernmental | $1,170 | $458 |
| Charges & Fees | $2,267 | $4,765 |
| Other | $1,754 | $2,388 |
Spending Breakdown (Per Capita)
| Fire Protection | $222 | $0 |
| Highways & Roads | $116 | $0 |
| Education | $53 | $0 |
| Public Welfare | $718 | $0 |
| Health | $0 | $1,028 |
| Parks & Recreation | $1,641 | $544 |
| Housing | $4,472 | $0 |
| Utilities | $2,850 | $4,527 |
| Other | $4,159 | $9,652 |
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Source: Census Annual Survey of State and Local Government Finances, 2026.