Champaign, IL, US
Home of the University of Illinois with a vibrant college town and research park.
Below Average vs US Avg (100)
Affordable
Household income
Job market health
Champaign vs US Average
Taxes
- State Income Tax: 5.0%
- Sales Tax: 10.2%
Economy & Jobs
- Median Income: $58,000
- Unemployment: 3.0%
- Population: 88,000
Climate
- Sunny Days: 190/year
- Summer High: 85°F
- Winter Low: 20°F
- Farming Zone: USDA Zone 5a
Housing
- Median Home: $220,000
- 1BR Rent: $1100/mo
Cost of Living
Champaign's cost of living index is 95 (US average = 100).
| Category | Champaign | National Average | Difference |
|---|---|---|---|
| Overall | 95 | 100 | -5.0% |
| Housing | 100 | 100 | 0.0% |
Data source: Council for Community and Economic Research (C2ER), 2026
Housing Market
| Metric | Value |
|---|---|
| Median Home Price | $220,000 |
| Median Rent (1BR) | $1100/mo |
| Median Rent (2BR) | $1,375/mo |
| Price per Sq Ft | $146 |
Data source: Zillow Research, 2026
True Cost of Home Ownership
Utilities
Estimated monthly utility costs for a typical household in Champaign:
| Utility | Estimated Monthly Cost | Notes |
|---|---|---|
| Electricity | $110 | Based on ~900 kWh/month typical US household usage |
| Heating & Cooling | $75 | Estimated based on local climate. Gas or electric |
| Cooling (AC) | N/A | Estimated based on local climate and electricity rates |
| Water | $55 | Includes sewer |
| Internet (100+ Mbps) | $70 | Broadband average |
| Garbage / Trash | Included in taxes | Municipal service (covered by property taxes) |
| Total Utilities | $310 | Monthly estimate (including heating & cooling) |
Data sources: U.S. Energy Information Administration (EIA) 2024, EPA/AWWA water rate surveys, BroadbandNow
Remote Work Score
Champaign scores —/100 for remote work readiness:
Climate
Champaign has a varied climate with distinct seasons.
| Month | Avg High | Avg Low | Rainfall |
|---|---|---|---|
| January | 40°F | 20°F | 2.5" |
| April | 70°F | 35°F | 2.8" |
| July | 85°F | 60°F | 1.5" |
| October | 65°F | 38°F | 2.2" |
Cool — many vegetables, some fruit trees
Natural Hazards
Champaign faces the following natural hazards:
Tornado Alley with frequent tornadoes.
Severe winter storms.
Flash floods.
New Madrid and Wabash Valley seismic zones.
Based on historical records and geographic risk assessment.
Taxes
- State Income Tax: 4.95%
- Sales Tax: 10.25%
- Property Tax: ~2.27% of assessed value
Economy & Jobs
Major industries include technology, healthcare, education, and manufacturing. The unemployment rate is 3.0%.
Schools & Education
Data source: National Center for Education Statistics (NCES)
Universities & Higher Education
Data source: Center for World University Rankings (CWUR) & World Universities Database
Important Disclaimer: All data on this page is for informational purposes only and does not constitute financial, legal, tax, or real estate advice. URCity and Northshore Press are not financial advisors, tax professionals, or real estate agents. Always consult qualified professionals before making relocation or financial decisions.
Frequently Asked Questions
What is the cost of living in Champaign, IL, US?
The cost of living index in Champaign is 95, which is Lower the US national average of 100.
How much does it cost to buy a home in Champaign?
The median home price in Champaign is $220,000. The housing index is 100.
What is the average rent for a 1-bedroom apartment?
The average rent for a 1-bedroom apartment in Champaign is approximately $1100/mo.
Does Champaign, IL have income tax?
Champaign is in IL, which has an income tax rate of 4.95%.
What is the climate like in Champaign?
Champaign enjoys approximately 190 sunny days per year. Summer highs reach around 85°F, while winter lows can drop to around 20°F.
Data Sources
- Cost of Living: Council for Community and Economic Research (C2ER), 2026
- Housing Data: Zillow Research, 2026
- Income & Employment: US Census Bureau American Community Survey, 2024
- Utilities U.S. Energy Information Administration (EIA) 2024, EPA/AWWA water rate surveys, BroadbandNow
Data last updated: August 12, 2026. Data may not reflect current market conditions. Always verify with local sources before making relocation decisions.