What is the cost of living in Champaign, IL?
According to the most recent data on the cost of living, Champaign has an overall cost of living index of 97, which is 1.0x lower than the national index of 100.
Compared to Illinois, Champaign has a cost of living index that's 1.0x lower than Illinois's index of 98.
The standard of living in Champaign ranks as #121 most affordable out of the 336 places we measured in Illinois. By definition, that implies Champaign ranks as the #215 most expensive place in the Prairie State.
For more reading on life in Champaign, check out:
Champaign Cost Of Living Vs. Illinois
Six factors go into calculating the cost of living index in Champaign. Here is how it fares on each of the criteria:
The Services index in Champaign is 96.
The Groceries index in Champaign is 97.
The Health index in Champaign is 91.
The Housing index in Champaign is 105.
The Transportation index in Champaign is 100.
The Utilities index in Champaign is 97.
| Living Expense | Champaign | Illinois | National Average |
|---|---|---|---|
| Overall | 97 | 98 | 100 |
| Services | 96 | 99 | 100 |
| Groceries | 97 | 99 | 100 |
| Health | 91 | 96 | 100 |
| Housing | 105 | 101 | 100 |
| Transportation | 100 | 99 | 100 |
| Utilities | 97 | 101 | 100 |
Champaign Cost Of Living Compared To Illinois Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Illinois, check out:
Protect your home budget Compare home warranties in Champaign Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Champaign, IL Housing Cost Breakdown
Housing swings affordability the most between places in Illinois, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Champaign is $231,273.
The Median Rent in Champaign is $1,123.
The Median Income in Champaign is $56,118.
The Home Value To Income in Champaign is 4.1x.
The Rent To Monthly Income in Champaign is 0.24x.
Champaign, IL Costs By Category
Detailed Champaign Services costs vs. Illinois
Detailed Champaign Groceries costs vs. Illinois
Detailed Champaign Health costs vs. Illinois
Detailed Champaign Transportation costs vs. Illinois
Champaign SnackAbility
Cost Of Living In Cities Around Champaign
The cost of living varies in the cities and towns around Champaign. Here's a quick look at the cost of living in the most populous nearby places:
Urbana, IL has a cost of living index of 96, 1.0x Champaign.
Rantoul, IL has a cost of living index of 88, 0.9x Champaign.
Mahomet, IL has a cost of living index of 107, 1.1x Champaign.
| City | Population | Cost Of Living | Vs. Champaign |
|---|---|---|---|
| Urbana, IL | 39,341 | 96 | 1.0x |
| Rantoul, IL | 12,421 | 88 | 0.9x |
| Mahomet, IL | 10,049 | 107 | 1.1x |
| Savoy, IL | 8,968 | 107 | 1.1x |
| Monticello, IL | 6,304 | 97 | 1.0x |
