Champaign County, IL at a glance
Median household income
$63,683$5,307 per month · U.S. Census Bureau ACS 5-YearHow much rent can you afford in Champaign County, IL?
HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.
How much is rent in Champaign County, IL? By bedroom, 2026
HUD's fiscal 2026 Fair Market Rents for Champaign-Urbana, IL HUD Metro FMR Area, with the income each one takes if rent stays under 30% of it.
| Unit Size | Monthly Rent | Annual Rent | 30% Rule Min. Income | % of Median Income |
|---|---|---|---|---|
| Studio / Efficiency | $941 | $11,292 | $37,640 | 17.7% |
| 1-Bedroom Apartment | $946 | $11,352 | $37,840 | 17.8% |
| 2-Bedroom ApartmentBenchmark | $1,122 | $13,464 | $44,880 | 21.1% |
| 3-Bedroom Home | $1,436 | $17,232 | $57,440 | 27.1% |
| 4-Bedroom Home | $1,486 | $17,832 | $59,440 | 28% |
Rent in Champaign County, IL, with the wage each unit needs →
What a typical income covers in Champaign County, IL
The 50/30/20 rule applied to the local median of $63,683 a year ($5,307 a month before tax).
What $63,683 leaves after Illinois taxes
Federal income tax, Social Security, Medicare and Illinois tax on the local median income. Change the salary to see yours.
Rent, jobs and pay in Illinois
Living in Champaign County, IL: common questions
What is the median household income in Champaign County, IL?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Champaign County, IL is $63,683 per year (approximately $5,307 per month).
What is the average rent in Champaign County, IL?
The closest official figure is HUD's Fair Market Rent for 2026: $941 for a studio, $946 for one bedroom, $1,122 for two, $1,436 for three and $1,486 for four, utilities included.
It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.
Is Champaign County, IL expensive to live in?
Prices there run 7.3% below the U.S. average. BEA's regional price parity for the metro area is 92.7, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.
How much do you need to earn to comfortably afford rent in Champaign County, IL?
To keep a $1,122 two-bedroom under 30% of gross income, a household needs about $44,880 a year, or $3,740 a month. That is 70% of what the typical household in Champaign County, IL earns.
How much do you need to live comfortably in Champaign County, IL?
On the local median income of $63,683 ($5,307 a month before tax), the 50/30/20 rule leaves $2,653 a month for needs like rent, utilities and groceries, $1,592 for everything else and $1,061 for savings or debt. A two-bedroom at $1,122 takes 42% of the needs share.
How much is the electric bill in Champaign County, IL?
Homes in Illinois paid 19.9¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $179. Your bill depends mostly on heating and cooling.