The median home in Champaign, Illinois is valued at $225,446, up 5.6% year over year. Typical monthly rent is $1,424, producing a price-to-rent ratio of 13.2x — below the national average of 18x. Champaign is part of the Champaign-Urbana, IL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$225,446

+5.6%

Rent$1,424/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Champaign.

Income (annual)

Down Payment

$45,089 on $225,446

Example: $75,000 household income. Change it above to see your own.

Affordable27.3% of income

Under the 28% guideline.

PITI$1,709

P/I27.3%

Afford$231K

Room+$5K

P&I $1,140Tax $419Ins $150

Renting $285/mo cheaper ($1,424 rent)6.50% 30yr, 20% down, county tax + IL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Illinois

Compare Champaign with other housing markets across Illinois.

Kenilworth$1.93M Winnetka$1.73M Glencoe$1.51M Bannockburn$1.22M Golf$1.19M Hinsdale$1.18M Lake Forest$1.14M South Barrington$1.08M

Full Champaign-Urbana, IL analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Champaign-Urbana, IL metro.

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Champaign, IL