Ohio · Census, HUD and BEA figures · Updated

Cost of Living in Champaign County, OH

Prices around Champaign County, OH run 7.2% below the U.S. average (BEA, Ohio). The typical household there earns $75,556 a year, and HUD puts a two-bedroom at $1,046 a month. Keeping that rent under 30% of income takes about $41,840 a year.

Champaign County, OH at a glance

Median household income

$75,556$6,296 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$1,046HUD FY2026 Fair Market Rent
Price level (U.S. = 100)92.8-7.2% · BEA, Ohio
Electricity19.2¢per kWh · EIA Residential OH
Population38,804Census ACS 5-year estimate

How much rent can you afford in Champaign County, OH?

HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.

Affordable (< 30% of income)
HUD Fair Market Rent$1,046Monthly market rent
Share of gross income16.6%Recommended max: 30%
Annual income needed$41,840To meet the 30% standard
Max affordable rent$1,889At 30% of $75,556
0%30% (Affordability standard)100%
Compare against:

How much is rent in Champaign County, OH? By bedroom, 2026

HUD's fiscal 2026 Fair Market Rents for Champaign County, OH, with the income each one takes if rent stays under 30% of it.

HUD Fair Market Rent in Champaign County, OH, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$737$8,844$29,48011.7%
1-Bedroom Apartment$818$9,816$32,72013%
2-Bedroom ApartmentBenchmark$1,046$12,552$41,84016.6%
3-Bedroom Home$1,333$15,996$53,32021.2%
4-Bedroom Home$1,470$17,640$58,80023.3%

Rent in Champaign County, OH, with the wage each unit needs →

What a typical income covers in Champaign County, OH

The 50/30/20 rule applied to the local median of $75,556 a year ($6,296 a month before tax).

Needs (50%)$3,148/moRent ($1,046 2-BR), utilities (~$173/mo), groceries, transit
Wants (30%)$1,889/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$1,259/moEmergency fund, retirement, paying down loans

What $75,556 leaves after Ohio taxes

Federal income tax, Social Security, Medicare and Ohio tax on the local median income. Change the salary to see yours.

$75,556
$30,000$155,000
Filing status:
Gross salary breakdown$75,556
Net 80%
Fed 10%
OH 2%
FICA 8%
Annual take-home$60,349After all taxes
Monthly deposit$5,029Estimated per month
Biweekly paycheck$2,321Every 2 weeks (26/yr)
Effective tax rate20.1%Total tax burden
Federal income tax$7,792 / yr
Ohio state income tax$1,634 / yr
FICA (Social Security & Medicare)$5,780 / yr

Living in Champaign County, OH: common questions

What is the median household income in Champaign County, OH?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Champaign County, OH is $75,556 per year (approximately $6,296 per month).

What is the average rent in Champaign County, OH?

The closest official figure is HUD's Fair Market Rent for 2026: $737 for a studio, $818 for one bedroom, $1,046 for two, $1,333 for three and $1,470 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, OH expensive to live in?

Prices there run 7.2% below the U.S. average. BEA's regional price parity for Ohio is 92.8, 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, OH?

To keep a $1,046 two-bedroom under 30% of gross income, a household needs about $41,840 a year, or $3,487 a month. That is 55% of what the typical household in Champaign County, OH earns.

How much do you need to live comfortably in Champaign County, OH?

On the local median income of $75,556 ($6,296 a month before tax), the 50/30/20 rule leaves $3,148 a month for needs like rent, utilities and groceries, $1,889 for everything else and $1,259 for savings or debt. A two-bedroom at $1,046 takes 33% of the needs share.

How much is the electric bill in Champaign County, OH?

Homes in Ohio paid 19.2¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $173. Your bill depends mostly on heating and cooling.