Overall
- Lexington-Fayette
- 92.9
- Champaign-Urbana
- 92.7
Diff -0.2 RPP
Lexington-Fayette vs Champaign-Urbana
Cost of living comparison based on BEA Regional Price Parities. Champaign-Urbana is 0.2% less expensive than Lexington-Fayette.
0.2% less expensive
Champaign-Urbana, IL is 0.2% less expensive than Lexington-Fayette, KY on BEA Regional Price Parities (overall RPP 92.7 vs 92.9). A $100,000 salary in Lexington-Fayette buys about the same as $99,801 in Champaign-Urbana; the largest component gap is services.
- Overall RPP 92.9 (Lexington-Fayette) vs 92.7 (Champaign-Urbana)
- $100k in Lexington-Fayette ≈ $99,801 purchasing power in Champaign-Urbana
- Services drives the gap (+15.9 RPP points)
RPP parity plate
Pair KY:IL 92.9→92.7
PHOTO-FINISH · CROSS-STATE · SPLIT-BUDGET · BOTH-BELOW · PP-PAR
- PHOTO-FINISH Photo finish
- CROSS-STATE KY × IL
- SPLIT-BUDGET Split budget
- BOTH-BELOW Both below 100
- PP-PAR PP near-par
Instrument codes from this pair's BEA Regional Price Parities (overall · goods · services · rents · national benchmark 100 · purchasing-power conversion), not a ranking or recommendation.
Lexington-Fayette
92.9
Cost Index
Champaign-Urbana
92.7
Cost Index
What This Comparison Actually Tells You
Lexington-Fayette, KY and Champaign-Urbana, IL are a photo finish on overall price level, only 0.2 RPP points apart. A salary conversion is therefore a fine adjustment, not evidence of a fundamentally different cost regime.
Services creates the largest separation: Champaign-Urbana is 15.9 points higher. But services move against the overall direction, so this is a split budget rather than a clean across-the-board winner.
Comparable population context is incomplete for this pair, so no market-scale explanation is inferred from the price indexes.
Both metros remain below the U.S. benchmark of 100. This comparison chooses between two below-average price levels; “more expensive” here does not mean nationally expensive.
For a service-heavy household, test childcare, health, and other locally supplied costs before relying on rent alone. The BEA ratio converts $100,000 in Lexington-Fayette to $99,801 in Champaign-Urbana, but it is not a personal spending weight.
Category Breakdown
Goods
- Lexington-Fayette
- 96.2
- Champaign-Urbana
- 93.6
Diff -2.6 RPP
Services
- Lexington-Fayette
- 74.6
- Champaign-Urbana
- 90.5
Diff +15.9 RPP
Rents
- Lexington-Fayette
- 77.1
- Champaign-Urbana
- 71.6
Diff -5.5 RPP
| Category | Lexington-Fayette | Champaign-Urbana | Difference |
|---|---|---|---|
| Overall | 92.9 | 92.7 | -0.2 |
| Goods | 96.2 | 93.6 | -2.6 |
| Services | 74.6 | 90.5 | +15.9 |
| Rents | 77.1 | 71.6 | -5.5 |
Visual Comparison
Overall
Lexington-Fayette 92.9
Champaign-Urbana 92.7
Goods
Lexington-Fayette 96.2
Champaign-Urbana 93.6
Services
Lexington-Fayette 74.6
Champaign-Urbana 90.5
Rents
Lexington-Fayette 77.1
Champaign-Urbana 71.6
Vertical line = national average (100)
Salary Equivalents
What a salary in Lexington-Fayette would need to be in Champaign-Urbana for the same purchasing power:
| In Lexington-Fayette | In Champaign-Urbana | Difference |
|---|---|---|
| $50,000 | $49,900 | $-100 |
| $75,000 | $74,851 | $-149 |
| $100,000 | $99,801 | $-199 |
| $150,000 | $149,701 | $-299 |
$ in Lexington-Fayette = in Champaign-Urbana
Same BEA Regional Price Parity ratio as the table above (92.9 → 92.7), computed live from your number, nothing is sent anywhere.
Frequently Asked Questions
Is Champaign-Urbana more expensive than Lexington-Fayette?
Champaign-Urbana is 0.2% less expensive than Lexington-Fayette. The overall cost index is 92.7 vs 92.9 (national average = 100).
What salary in Champaign-Urbana equals $100K in Lexington-Fayette?
A $100,000 salary in Lexington-Fayette has the same purchasing power as $99,801 in Champaign-Urbana. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Lexington-Fayette and Champaign-Urbana?
Rents in Lexington-Fayette are indexed at 77.1 while Champaign-Urbana is at 71.6 (national average = 100). Lexington-Fayette has higher rents.
Data sources
- BEA Regional Price Parities (RPP), the cost-of-living indices shown on this page
- U.S. Census Bureau, American Community Survey (ACS), gross-rent observations behind the rents component
- BLS Consumer Price Index (CPI), goods and services price relatives
- BLS Occupational Employment and Wage Statistics (OEWS), labor-driven services component
- HUD Fair Market Rents (FMR), 40th-percentile rent cross-reference
Every figure on PlainCost is rendered directly from BEA Regional Price Parity source data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, our changelog, or report a data error. Data current as of 2026-08-11. Rankings measure the published cost-of-living index only; we don't recommend where to live or rate any metro's quality of life.