Overall
92.7
-7.3 below avg
Metro cost profile · 2024 BEA RPP
Champaign-Urbana, IL
Cost-of-living indicators for Champaign-Urbana, IL, from Bureau of Economic Analysis Regional Price Parities, overall, goods, services, and rents vs the U.S. average of 100.
- 92.7
- Overall RPP
- #221
- of 387 metros
- 71.6
- Rents RPP
- $108K
- $100K national buys
The verdict
Champaign costs less than 57% of U.S. metros, an overall index of 92.7, 7.3% below the national average, with rents the biggest swing at 71.6.
- 92.7
- overall cost index (US average = 100)
- #221
- most expensive of 387 U.S. metros
- bottom 43%
- by overall cost, nationwide
- 71.6
- rents RPP, the biggest budget swing
A $100,000 national salary carries the purchasing power of about $107,870 here; matching a $100K lifestyle takes roughly $92,704.
What the Numbers Mean for Champaign
Champaign ranks #221 of 387 U.S. metro areas measured by the Bureau of Economic Analysis, placing it in the lower half by cost. With an overall Regional Price Parity of 92.7, Champaign-Urbana, IL is 7.3% less expensive than the national baseline of 100. The gap between Champaign's most and least expensive categories - goods at 93.6 versus rents at 71.6 - is what drives the household budget experience on the ground, not the single headline number.
Translated into dollars, a nationally-benchmarked $100,000 salary carries the purchasing power of $107,870 inside Champaign, while a household needs roughly $92,704 here to match a $100K lifestyle elsewhere. Rents carry the biggest swing in the BEA formula and are indexed at 71.6 - 28.4% below the national average, so anyone weighing a move or a remote-work arbitrage should treat the housing line as the single largest variable in the equation.
Looking at the 2008-2024 trajectory, Champaign's overall index has fallen by 3.5 points, improving relative affordability. For the 2024 data year, goods are indexed at 93.6 and services at 90.5, meaning everyday spending in Champaign is governed more by the services and rent mix than by retail goods prices. Readers comparing multiple destinations should always pair the RPP headline with local wage data and housing costs before drawing relocation conclusions.
Champaign vs every U.S. metro
Where this metro sits in the national cost distribution
93 Top 57% higher than 43% of 387 US metros
Each bar is a band; taller bars hold more US metros. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Bureau of Economic Analysis, Regional Price Parities · 2024
Champaign cost breakdown
BEA RPP by category, 100 = national average
- Rents
Rents
71.6 RPP
- Services
Services
90.5 RPP
- Overall
Overall
92.7 RPP
- Goods
Goods
93.6 RPP
What this shows Champaign's gap from the national average is led by rents at 71.6. Goods barely move between metros; the spread you feel is housing and services.
Goods vs. housing, where Champaign's cost comes from
Metros near Champaign's overall cost, plotted by their goods price (horizontal) and housing price (vertical). Same headline RPP, very different structures.
Crosshairs sit at the group median (goods 93.8, rents 73.8). Champaign is cheaper than its peers on both housing and goods. These metros sit near Champaign's overall cost, yet they spread across the chart, proof that two places at the same headline RPP can have very different goods-vs-housing structures.
Price Index Summary
Goods
93.6
-6.4 below avg
Services
90.5
-9.5 below avg
Rents
71.6
-28.4 below avg
Salary Equivalent
A $100,000 salary at the national average cost of living equals:
$92,704
in Champaign-Urbana, IL purchasing power
$50,000 nationally
$46,352
$75,000 nationally
$69,528
$125,000 nationally
$115,880
$150,000 nationally
$139,056
$200,000 nationally
$185,408
Use the salary calculator for custom amounts.
RPP History (2008-2024)
The cost of living has been trending downward, decreasing by 3.5 points over this period.
| Year | Overall |
|---|---|
| 2008 | 96.2 |
| 2009 | 95.9 |
| 2010 | 95.1 |
| 2011 | 94.2 |
| 2012 | 94.2 |
| 2013 | 94.5 |
| 2014 | 94.4 |
| 2015 | 93.4 |
| 2016 | 93.7 |
| 2017 | 92.4 |
| 2018 | 93.2 |
| 2019 | 94.0 |
| 2020 | 91.9 |
| 2021 | 93.1 |
| 2022 | 91.3 |
| 2023 | 90.7 |
| 2024 | 92.7 |
Metros with Similar Cost of Living
These metros have an overall RPP closest to Champaign-Urbana, IL's index of 92.7.
Other IL Metros
What this means for Champaign
How to read Champaign's cost of living before a move, a job offer, or a budget.
- Budget to local prices, not headline pay, a $100K national salary spends like about $107,870 in Champaign. Salary calculator
- Weigh housing heaviest: rents here index at 71.6 (28.4% below average) - the single largest swing in the RPP, while goods barely move between metros.
- Local median household income is $64,558; adjusted for Champaign's price level that is about $69,639 in national-average buying power.
- Compare Champaign head-to-head against a specific destination before you decide. Compare metros
RPP is BEA's annual price-level benchmark for the data year shown, not a live market quote. Pair it with current local wages and housing costs before deciding.
Compare to Other Metros
Cost of Living Guides
Cheapest Metros to Live in 2026
Official BEA data on the most affordable areas
Most Expensive Cities: 2026 Rankings
What drives high costs and how to cope
Salary Negotiation Using RPP Data
Calculate real purchasing power for negotiations
Comparing Metro Areas
Step-by-step BEA RPP comparison walkthrough
Frequently Asked Questions
What is the cost of living in Champaign-Urbana, IL? ▼
Champaign-Urbana, IL has a Regional Price Parity (RPP) index of 92.7, meaning it is 7.3% less expensive than the national average. Goods are indexed at 93.6, services at 90.5, and rents at 71.6. It ranks #221 out of 387 U.S. metro areas by overall cost.
What salary do I need in Champaign-Urbana, IL to match $100K nationally? ▼
To maintain the same purchasing power as a $100,000 salary at the national average, you would need approximately $92,704 in Champaign-Urbana, IL. Conversely, $100K earned in Champaign-Urbana, IL has the purchasing power of $107,870 at the national average.
How expensive is rent in Champaign-Urbana, IL? ▼
Rents in Champaign-Urbana, IL are indexed at 71.6, which is 28.4% below the national average. This makes the area relatively affordable for renters.
Is Champaign-Urbana, IL getting more expensive? ▼
From 2008 to 2024, Champaign-Urbana, IL's overall cost index changed by -3.5 points (from 96.2 to 92.7). The cost of living has been declining.
What costs the most in Champaign-Urbana, IL? ▼
The priciest category in Champaign-Urbana, IL is goods at 93.6, 6.4% below the national average, still the highest of the three categories. The most affordable category is rents at 71.6, 28.4% below average.
What metros have a similar cost of living to Champaign-Urbana, IL? ▼
Metros with the most similar overall cost index include Yuma, Blacksburg-Christiansburg-Radford, Dayton-Kettering-Beavercreek. These areas have RPP values within a few points of Champaign-Urbana, IL's 92.7.
Source: Bureau of Economic Analysis, Regional Price Parities by Metropolitan Statistical Area (2024). Index where national average = 100.
Related
Data sourced from official public datasets. See our methodology for details. Retrieved and formatted by PlainCost Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the Bureau of Economic Analysis (BEA). Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.
Federal data behind these figures
- BEA Regional Price Parities (RPP) - the cost-of-living indices shown on this page. bea.gov/data/regional-price-parities
- U.S. Census Bureau, American Community Survey (ACS) - the gross-rent observations BEA uses to build the rents component. census.gov/programs-surveys/acs
- BLS Consumer Price Index (CPI) - the price program underlying BEA's goods and services price relatives. bls.gov/cpi
- BLS Occupational Employment and Wage Statistics (OEWS) - wage reference for the labor-driven services component. bls.gov/oes
- HUD Fair Market Rents (FMR) - federal 40th-percentile rent cross-reference for the housing component. huduser.gov/datasets/fmr
Every figure on PlainCost is rendered directly from BEA Regional Price Parity source data, no number is typed in by an editor. This page draws directly on BEA Regional Price Parity source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.