Champaign vs Fort Smith

Category-by-Category Breakdown

Index values · National average = 100 · Lower is more affordable

Salary Equivalence

A $75,000 salary in Champaign has the same purchasing power as $71,296 in Fort Smith.

Conversely, $75,000 in Fort Smith equals $78,896 in Champaign.

Living in Champaign vs Fort Smith

Housing Costs

Champaign's housing index of 83 is higher Fort Smith's 49, translating to median home prices of $215,000 vs $155,000. The $60,000 difference in home prices means roughly $3,900 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,100/mo in Champaign compared to $775/mo in Fort Smith, a monthly difference of $325.

Grocery & Food Costs

Grocery expenses index at 98 in Champaign and 92 in Fort Smith. A household spending the national average of $475/month on groceries would pay approximately $466/month in Champaign vs $437/month in Fort Smith. Fort Smith offers a meaningful advantage on everyday food costs, saving roughly $348/year.

Utility Expenses

Utility costs — electricity, gas, water, internet — index at 106 in Champaign and 95 in Fort Smith. Monthly utility bills average approximately $424 in Champaign vs $380 in Fort Smith. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.

Healthcare

Healthcare costs index at 90 in Champaign and 88 in Fort Smith. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.

Income & Purchasing Power

Median household income is $56,100 in Champaign and $45,200 in Fort Smith. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $69,259 and $58,701 respectively. Champaign residents enjoy stronger real purchasing power despite higher nominal wages.

Relocation Considerations

Under the standard 28% rule, a median-income household can allocate $1,309/month to housing in Champaign vs $1,055/month in Fort Smith. In Champaign, median rent of $1,100/mo fits within this budget. In Fort Smith, median rent of $775/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 34 index points — focus your budget analysis there.

Frequently Asked Questions

Moving & Relocation Resources

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