Moving from Chicago, IL-IN to Champaign, IL
About 10,530 people made this move in a typical year (Census Bureau metro-to-metro migration flows, ACS 5-year 2016-2020), and 3,358 go the other way. Here is what the move does to two households’ budgets after 2026 taxes — and the salary each needs in Champaign, IL.
Single, $70k: line by line
Single adult earning $70,000, renting. Same gross pay in both places; renting at HUD Fair Market Rent (1 bedroom). Taxes take 21.8% of income in Chicago, IL-IN and 21.8% in Champaign, IL.
Chicago, IL-IN Champaign, IL (monthly)
| Monthly | Chicago, IL-IN | Champaign, IL | Difference |
|---|---|---|---|
| Gross income | $5,833 | $5,833 | $0 |
| Taxes | $1,270 | $1,270 | $0 |
| Federal income tax2026 tax law | $548 | $548 | $0 |
| Social Security + Medicare2026 tax law | $446 | $446 | $0 |
| State income tax2026 tax law | $277 | $277 | $0 |
| Take-home pay | $4,563 | $4,563 | $0 |
| Housing | $1,780 | $996 | −$784 |
| Rent, 1-bedroomHUD FMR FY2027 · 40th-percentile gross rent, includes tenant-paid utilities | $1,780 | $996 | −$784 |
| Food | $472 | $413 | −$60 |
| Food at home (USDA Moderate-Cost plan)USDA food plans August 2026 · US cost × RPP goods 93.6 | $472 | $413 | −$60 |
| Transportation | $164 | $164 | $0 |
| GasolineEIA electricity 2025, natural gas 2024, gasoline week ending 2026-10-05 · 12,000 mi ÷ 25 mpg × $4.11/gal (Midwest (PADD)) | $164 | $164 | $0 |
| Sales tax | $34 | $29 | −$4 |
| State sales taxState revenue dept. 2026-10-13 · 6.25% on other goods; groceries exempt — local add-ons not modeled | $34 | $29 | −$4 |
| Other goods & services | $1,039 | $966 | −$73 |
| Other goods (estimate)Estimate (BEA RPP 2024) · your US-average baseline × RPP goods 93.6 | $536 | $468 | −$68 |
| Other services (estimate)Estimate (BEA RPP 2024) · your US-average baseline × RPP other services 99.6 | $502 | $498 | −$5 |
| Left over after modeled costs | $1,074 | $1,995 | +$921 |
Family of four, $120k: line by line
Two adults, a preschooler and a school-age child, $120,000 combined, renting. Same gross pay in both places; renting at HUD Fair Market Rent (2 bedrooms), center-based childcare in current dollars. Taxes take 16.8% of income in Chicago, IL-IN and 16.8% in Champaign, IL.
Chicago, IL-IN Champaign, IL (monthly)
| Monthly | Chicago, IL-IN | Champaign, IL | Difference |
|---|---|---|---|
| Gross income | $10,000 | $10,000 | $0 |
| Taxes | $1,682 | $1,682 | $0 |
| Federal income tax2026 tax law · after $4,400 Child Tax Credit | $470 | $470 | $0 |
| Social Security + Medicare2026 tax law | $765 | $765 | $0 |
| State income tax2026 tax law | $447 | $447 | $0 |
| Take-home pay | $8,318 | $8,318 | $0 |
| Housing | $2,011 | $1,173 | −$838 |
| Rent, 2-bedroomHUD FMR FY2027 · 40th-percentile gross rent, includes tenant-paid utilities | $2,011 | $1,173 | −$838 |
| Childcare | $1,440 | $1,539 | +$99 |
| Childcare, center-basedDOL NDCP 2022 · preschool $239/wk, school-age $52/wk (2022 prices, Champaign County, IL); × 1.2224 BLS CPI day care, 2022 to 2026-08 | $1,440 | $1,539 | +$99 |
| Food | $1,376 | $1,201 | −$175 |
| Food at home (USDA Moderate-Cost plan)USDA food plans August 2026 · US cost × RPP goods 93.6 | $1,376 | $1,201 | −$175 |
| Transportation | $329 | $329 | $0 |
| GasolineEIA electricity 2025, natural gas 2024, gasoline week ending 2026-10-05 · 24,000 mi ÷ 25 mpg × $4.11/gal (Midwest (PADD)) | $329 | $329 | $0 |
| Sales tax | $34 | $29 | −$4 |
| State sales taxState revenue dept. 2026-10-13 · 6.25% on other goods; groceries exempt — local add-ons not modeled | $34 | $29 | −$4 |
| Other goods & services | $1,039 | $966 | −$73 |
| Other goods (estimate)Estimate (BEA RPP 2024) · your US-average baseline × RPP goods 93.6 | $536 | $468 | −$68 |
| Other services (estimate)Estimate (BEA RPP 2024) · your US-average baseline × RPP other services 99.6 | $502 | $498 | −$5 |
| Left over after modeled costs | $2,091 | $3,081 | +$990 |
Chicago, IL-IN vs Champaign, IL at a glance
| Measure | Chicago, IL-IN | Champaign, IL |
|---|---|---|
| Price level (BEA RPP, US = 100) | 103.6 | 92.7 |
| Housing price level | 112.0 | 71.6 |
| 1-bedroom Fair Market Rent | $1,780 | $996 |
| 2-bedroom Fair Market Rent | $2,011 | $1,173 |
| 3-bedroom Fair Market Rent | $2,586 | $1,474 |
| Median home value | $323,000 | $201,700 |
| Effective property-tax rate | 1.98% | 2.01% |
| Median household income | $90,887 | $65,528 |
| Center infant care / week (DOL NDCP 2022 unless noted) | $278 | $309 |
| State income tax on wages | Yes | Yes |
| Mandatory local income tax (principal city) | None in our data | None in our data |
| State sales tax | 6.25% | 6.25% |
| Regular gasoline | $4.11 | $4.11 |
| Average electric bill (state) | $127 | $127 |
Sources: BEA RPP 2024; HUD FMR FY2027; Census ACS 2020-2024; DOL NDCP 2022; 2026 tax law; state revenue departments; EIA (electricity 2025, natural gas 2024, gasoline week ending 2026-10-05).
Frequently asked questions
How much do I need to make in Champaign, IL to keep my Chicago, IL-IN lifestyle?+
For a single renter earning $70,000 in Chicago, IL-IN, about $54,881 in Champaign, IL (−21.6%). For two adults with a preschooler and a school-age child on $120,000, about $104,245. Both keep the same money left over after 2026 taxes, rent, childcare, food, fuel and other modeled costs.
Is Champaign, IL cheaper than Chicago, IL-IN?+
On BEA’s 2024 price index, Champaign, IL is at 92.7 and Chicago, IL-IN at 103.6 (US = 100). After taxes and household costs, a single renter on $70,000 would have +$921 a month in Champaign, IL.
How many people move from Chicago, IL-IN to Champaign, IL?+
About 10,530 people a year (±960), according to the Census Bureau’s metro-to-metro migration flows (ACS 5-year 2016-2020); about 3,358 move the other way.
What isn’t included?+
Moving costs, health insurance, car payments and insurance, local sales tax add-ons and differences in wages between the two metros. Add known monthly costs in the calculator’s “Fixed costs / month” field.