Champaign vs High Point
Cost of Living Comparison · 2026
Champaign
High Point
The Verdict
Champaign is 3.6% less expensive than High Point overall. A household earning $75,000 in Champaign would need approximately $77,778 in High Point to maintain the same standard of living.
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 $77,778 in High Point.
Conversely, $75,000 in High Point equals $72,321 in Champaign.
Living in Champaign vs High Point
Housing Costs
Champaign's housing index of 83 is higher High Point's 61, translating to median home prices of $215,000 vs $249,000. The $34,000 difference in home prices means roughly $2,208 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,100/mo in Champaign compared to $1,075/mo in High Point, a monthly difference of $25.
Grocery & Food Costs
Grocery expenses index at 98 in Champaign and 96 in High Point. A household spending the national average of $475/month on groceries would pay approximately $466/month in Champaign vs $456/month in High Point. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 106 in Champaign and 98 in High Point. Monthly utility bills average approximately $424 in Champaign vs $392 in High Point. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 90 in Champaign and 101 in High Point. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 11-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $56,100 in Champaign and $49,200 in High Point. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $69,259 and $58,571 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 $1,148/month in High Point. In Champaign, median rent of $1,100/mo fits within this budget. In High Point, median rent of $1,075/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 22 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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