Champaign vs Overland Park
Cost of Living Comparison · 2026
Champaign
Overland Park
The Verdict
Champaign is 23.6% less expensive than Overland Park overall. A household earning $75,000 in Champaign would need approximately $98,148 in Overland Park 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 $98,148 in Overland Park.
Conversely, $75,000 in Overland Park equals $57,311 in Champaign.
Living in Champaign vs Overland Park
Housing Costs
Champaign's housing index of 83 is lower Overland Park's 109, translating to median home prices of $215,000 vs $414,000. The $199,000 difference in home prices means roughly $12,936 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,100/mo in Champaign compared to $1,450/mo in Overland Park, a monthly difference of $350.
Grocery & Food Costs
Grocery expenses index at 98 in Champaign and 96 in Overland Park. A household spending the national average of $475/month on groceries would pay approximately $466/month in Champaign vs $456/month in Overland Park. 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 Overland Park. Monthly utility bills average approximately $424 in Champaign vs $392 in Overland Park. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 90 in Champaign and 102 in Overland Park. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 12-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 $104,800 in Overland Park. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $69,259 and $98,868 respectively. Overland Park residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,309/month to housing in Champaign vs $2,445/month in Overland Park. In Champaign, median rent of $1,100/mo fits within this budget. In Overland Park, median rent of $1,450/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 26 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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