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Champaign-Urbana, IL

Cost of living in Champaign County, IL

Part of the Champaign Metro Area

Estimated monthly cost
$2,806/mo
for a single person, all categories combined

Population 206,098 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $909 32%
Healthcare $480 17%
Federal tax $442 16%
Groceries $345 12%
Transport $250 9%
Energy $177 6%
State tax $153 5%
Water $50 2%

Rent in Champaign County

Fair Market Rents by bedroom count.

Studio
$904
per month
1 bedroom
$909
per month
2 bedroom
$1,080
per month
3 bedroom
$1,405
per month
4 bedroom
$1,432
per month

Source: HUD FMR FY2025

Income and earnings in Champaign County

Annual earnings figures from the Census ACS.

Household income
$63,091
per year
Individual earnings
$37,084
per year
Per capita
$37,366
per year

Source: ACS 2019-2023 5-Year.

Home values in Champaign County

Average values reported by homeowners.

Average home value
$205,100
Annual property tax
$4,245

Source: ACS 2019-2023 5-Year

Energy costs in Champaign County

Estimated monthly electricity and gas costs.

Electricity
$116
per month · 16.5¢/kWh
Natural gas
$61
per month
Annual total
$2,124
per year

Source: EIA

Healthcare in Champaign County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
5.0%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Champaign County

State and local tax rates for Illinois.

State income tax
5.0%
Flat rate
State sales tax
6.3%
Combined sales tax
8.8%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Champaign County

Commute patterns and estimated costs.

Average commute
17.3 min
Drive alone
65.6%
Public transit
3.7%
Work from home
13.2%

Source: ACS

Monthly cost estimates for Champaign County

What it costs to live in Champaign County each month.

Single person
$2,806
per month
  • Rent $909
  • Energy $177
  • Water $50
  • Groceries $345
  • Transport $250
  • Healthcare $480
  • Federal tax $442
  • State tax $153
Couple
$4,100
per month
  • Rent $1,080
  • Energy $212
  • Water $60
  • Groceries $572
  • Transport $350
  • Healthcare $864
  • Federal tax $702
  • State tax $260
Family
$6,570
per month
  • Rent $1,405
  • Energy $266
  • Water $70
  • Groceries $867
  • Transport $450
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $702
  • State tax $260

Frequently asked questions about Champaign County

Common questions about cost of living, rent and salary.

What is the average rent in Champaign County?

In Champaign County, IL, a one-bedroom apartment averages $909 per month, a two-bedroom averages $1,080 per month, a three-bedroom averages $1,405 per month, according to HUD Fair Market Rent data.

What is the average salary in Champaign County?

In Champaign County, IL, the average household income is $63,091 per year and individual earnings for full-time workers average $37,084 per year, according to U.S. Census Bureau data.

What is the cost of living in Champaign County?

The estimated cost of living in Champaign County, IL is approximately $2,806 per month for a single person, $4,100 for a couple, $6,570 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Champaign County?

The combined sales tax rate in Champaign County, IL is 8.82%, which includes the Illinois state rate of 6.25% plus an average local rate of 2.57%.

Is Champaign County an affordable place to live?

Based on the data, a single person in Champaign County, IL would need approximately $2,806 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $63,091 per year ($5,258 per month). Champaign County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Champaign County?

The ACA marketplace benchmark premium in Champaign County, IL is approximately $480 per month for an individual. Approximately 5.0% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Champaign County?

The average home value in Champaign County, IL is $205,100, with average annual property taxes of $4,245, according to U.S. Census Bureau data.

How does Champaign County compare to other areas?

You can compare Champaign County, IL with any other US county using our comparison tool at /compare. Champaign County is in the Champaign-Urbana, IL metro area.

Other counties in Illinois

Browse the full list of counties in Illinois, ranked by cost of living.

See all counties in Illinois

Compare Champaign County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources