The median home in Urbana, Illinois is valued at $195,039, up 6.0% year over year. Typical monthly rent is $1,223, producing a price-to-rent ratio of 13.3x — below the national average of 18x. Urbana is part of the Champaign-Urbana, IL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$195,039

+6.0%

Rent$1,223/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Urbana.

Income (annual)

Down Payment

$39,008 on $195,039

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

Affordable24% of income

Under the 28% guideline.

PITI$1,499

P/I24%

Afford$228K

Room+$33K

P&I $986Tax $362Ins $150

Renting $276/mo cheaper ($1,223 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 Urbana 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.

View Champaign-Urbana, IL metro

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