Champaign, IL
Updated April 30, 2026 · Would You Live There?
Think twice
Verdict
$157K
Median Price
60/100
Walk Score
7.1/10
Schools
162 min
to Chicago Loop
Score Breakdown
Our Take
Champaign offers cheap housing and decent transit, but the high flood risk, low income levels, and long commute to major jobs make it a risky choice for most people.
Map
The Good
- ✓Low median home price ($156k) makes home ownership affordable
- ✓Excellent transit score (70) and bike score (80) for getting around
- ✓College town gives nightlife, cultural events and a youthful vibe
- ✓High walkability for grocery and basic errands (Walk Score 60)
Real Talk
- !High flood risk (Flood Zone AE) means costly flood insurance
- !Median household income ($33k) is well below national average, so jobs and wages are low
- !Commute to Chicago Loop takes over 2.5 hours (162 minutes) so it’s hard to access big city jobs
- !Crime rates around university areas tend to be higher than suburban averages
- $Flood insurance premiums
- $Higher property taxes typical of Illinois towns
- $Utility costs can be elevated due to climate and heating needs
Best For
Risk Snapshot
Crime & Safety
Champaign, IL
Safety grade
5% higher than the national average
2% higher than the national average
Verify with real-time data
Rates are estimated from neighborhood characteristics using national FBI baselines. Actual figures vary by block — always verify with local sources before making decisions.
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From Residents
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