Photo by Alberto Restifo on Unsplash (https://unsplash.com/@albertorestifo)
Champaign, Illinois Retirement Guide
mild summersestablished retirement community
53
Retirement Score
Champaign, Illinois at a Glance
- Median Home Price
- $211,700
- State Income Tax
- State income tax; Social Security and retirement income (pensions, 401k, IRA) fully exempt.
- Avg January Low
- 22.4°F
- Cost of Living Index
- 101.2 (US avg = 100)
- Best For
- mild summers, established retirement community
- RetireCityIQ Score
- 53 / 100
Retirement Data
Affordability
Cost of Living Index
101.2 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$211,700High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$1,043High confidence
U.S. Census ACS 1-Year · Updated April 2026
Taxes
Retirement Tax Score
60 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security and retirement income (pensions, 401k, IRA) fully exempt.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
13.3 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
83.1 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
13.3 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
84.5°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
22.4°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
36.1"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
282 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
98.5 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
92 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
15.5 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
88,628High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
27.0High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
11.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$58,273High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
45.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
3.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
51.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
23.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
59.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
17.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
6.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
15.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Champaign using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$459
Stress-case monthly carrying cost
$515
Median home price used: $211,700
Median rent reference: $1,043 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.