Champaign vs Philadelphia
Cost of Living Comparison · 2026
Champaign
Philadelphia
The Verdict
Champaign is 23.6% less expensive than Philadelphia overall. A household earning $75,000 in Champaign would need approximately $98,148 in Philadelphia 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 Philadelphia.
Conversely, $75,000 in Philadelphia equals $57,311 in Champaign.
Living in Champaign vs Philadelphia
Housing Costs
Champaign's housing index of 83 is lower Philadelphia's 107, translating to median home prices of $215,000 vs $240,000. The $25,000 difference in home prices means roughly $1,620 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,100/mo in Champaign compared to $1,400/mo in Philadelphia, a monthly difference of $300.
Grocery & Food Costs
Grocery expenses index at 98 in Champaign and 104 in Philadelphia. A household spending the national average of $475/month on groceries would pay approximately $466/month in Champaign vs $494/month in Philadelphia. Champaign offers a meaningful advantage on everyday food costs, saving roughly $336/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 106 in Champaign and 113 in Philadelphia. Monthly utility bills average approximately $424 in Champaign vs $452 in Philadelphia. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 90 in Champaign and 101 in Philadelphia. 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 $49,127 in Philadelphia. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $69,259 and $46,346 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 $1,146/month in Philadelphia. In Champaign, median rent of $1,100/mo fits within this budget. In Philadelphia, median rent of $1,400/mo pushes past the recommended limit. The biggest category-level difference between these two cities is Housing, where the gap is 24 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
As an Amazon Associate we earn from qualifying purchases