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Urbana, OH

Cost of living in Champaign County, OH

Estimated monthly cost
$2,652/mo
for a single person, all categories combined

Population 38,772 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $720 27%
Federal tax $530 20%
Healthcare $480 18%
Groceries $320 12%
Transport $320 12%
Energy $194 7%
Water $50 2%
State tax $38 1%

Rent in Champaign County

Fair Market Rents by bedroom count.

Studio
$661
per month
1 bedroom
$720
per month
2 bedroom
$905
per month
3 bedroom
$1,194
per month
4 bedroom
$1,262
per month

Source: HUD FMR FY2025

Income and earnings in Champaign County

Annual earnings figures from the Census ACS.

Household income
$74,239
per year
Individual earnings
$42,452
per year
Per capita
$35,326
per year

Source: ACS 2019-2023 5-Year.

Home values in Champaign County

Average values reported by homeowners.

Average home value
$186,300
Annual property tax
$1,938

Source: ACS 2019-2023 5-Year

Energy costs in Champaign County

Estimated monthly electricity and gas costs.

Electricity
$131
per month · 15.4¢/kWh
Natural gas
$63
per month
Annual total
$2,328
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
5.1%

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 Ohio.

State income tax
3.5%
Top marginal rate
State sales tax
5.8%
Combined sales tax
7.2%
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
26.6 min
Drive alone
78.9%
Public transit
0.0%
Work from home
8.2%

Source: ACS

Monthly cost estimates for Champaign County

What it costs to live in Champaign County each month.

Single person
$2,652
per month
  • Rent $720
  • Energy $194
  • Water $50
  • Groceries $320
  • Transport $320
  • Healthcare $480
  • Federal tax $530
  • State tax $38
Couple
$4,007
per month
  • Rent $905
  • Energy $233
  • Water $60
  • Groceries $530
  • Transport $420
  • Healthcare $864
  • Federal tax $885
  • State tax $110
Family
$6,425
per month
  • Rent $1,194
  • Energy $291
  • Water $70
  • Groceries $805
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $885
  • State tax $110

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, OH, a one-bedroom apartment averages $720 per month, a two-bedroom averages $905 per month, a three-bedroom averages $1,194 per month, according to HUD Fair Market Rent data.

What is the average salary in Champaign County?

In Champaign County, OH, the average household income is $74,239 per year and individual earnings for full-time workers average $42,452 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, OH is approximately $2,652 per month for a single person, $4,007 for a couple, $6,425 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, OH is 7.24%, which includes the Ohio state rate of 5.75% plus an average local rate of 1.49%.

Is Champaign County an affordable place to live?

Based on the data, a single person in Champaign County, OH would need approximately $2,652 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $74,239 per year ($6,187 per month). Champaign County is relatively affordable compared to the national average.

How much does healthcare cost in Champaign County?

The ACA marketplace benchmark premium in Champaign County, OH is approximately $480 per month for an individual. Approximately 5.1% 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, OH is $186,300, with average annual property taxes of $1,938, according to U.S. Census Bureau data.

How does Champaign County compare to other areas?

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

Other counties in Ohio

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

See all counties in Ohio

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