Champaign vs Wilmington
Cost of Living Comparison · 2026
Champaign
Wilmington
The Verdict
Champaign is 21.4% less expensive than Wilmington overall. A household earning $75,000 in Champaign would need approximately $95,370 in Wilmington 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 $95,370 in Wilmington.
Conversely, $75,000 in Wilmington equals $58,981 in Champaign.
Living in Champaign vs Wilmington
Housing Costs
Champaign's housing index of 83 is lower Wilmington's 108, translating to median home prices of $215,000 vs $320,000. The $105,000 difference in home prices means roughly $6,828 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 Wilmington, a monthly difference of $300.
Grocery & Food Costs
Grocery expenses index at 98 in Champaign and 101 in Wilmington. A household spending the national average of $475/month on groceries would pay approximately $466/month in Champaign vs $480/month in Wilmington. 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 94 in Wilmington. Monthly utility bills average approximately $424 in Champaign vs $376 in Wilmington. 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 106 in Wilmington. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 16-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 $48,432 in Wilmington. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $69,259 and $47,021 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 $1,130/month in Wilmington. In Champaign, median rent of $1,100/mo fits within this budget. In Wilmington, 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 25 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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