Champaign vs St. Louis

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 $83,333 in St. Louis.

Conversely, $75,000 in St. Louis equals $67,500 in Champaign.

Living in Champaign vs St. Louis

Housing Costs

Champaign's housing index of 83 is higher St. Louis's 72, translating to median home prices of $215,000 vs $175,000. The $40,000 difference in home prices means roughly $2,604 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,100/mo in Champaign compared to $1,000/mo in St. Louis, a monthly difference of $100.

Grocery & Food Costs

Grocery expenses index at 98 in Champaign and 97 in St. Louis. A household spending the national average of $475/month on groceries would pay approximately $466/month in Champaign vs $461/month in St. Louis. 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 95 in St. Louis. Monthly utility bills average approximately $424 in Champaign vs $380 in St. Louis. 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 95 in St. Louis. 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 $45,782 in St. Louis. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $69,259 and $50,869 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 $1,068/month in St. Louis. In Champaign, median rent of $1,100/mo fits within this budget. In St. Louis, median rent of $1,000/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 11 index points — focus your budget analysis there.

Frequently Asked Questions

Moving & Relocation Resources

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