Cost of Living in Champaign County, Ohio
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Champaign County Compares
Median monthly rent comparison
Detailed Housing Stats
Data Story
About Cost of Living in Champaign County, Ohio
Champaign County offers national affordability advantage
Champaign County's 14.3% rent-to-income ratio ranks among the strongest nationally, beating the U.S. affordability threshold of 15% by a comfortable margin. With a median household income nearly identical to the national average at $74,239, Champaign delivers housing relief that most American counties cannot match.
One of Ohio's most livable housing markets
Champaign's 14.3% rent-to-income ratio edges out Ohio's state average of 15.6%, positioning it as a genuinely affordable option within a competitive state housing market. At $884 monthly, median rent sits just 1% above Ohio's state average despite the county's strong income-to-cost balance.
Balanced affordability among peer counties
Champaign County's $884 median rent and 14.3% ratio place it squarely in the middle of regional comparables like Clinton County ($893 rent, 15.7% ratio) and Carroll County ($780 rent, 14.5% ratio). The county offers a sweet spot for families seeking moderate housing costs without sacrificing community resources.
14.3% of income covers housing costs
Typical Champaign County renters spend $884 monthly on a median household income of $74,239, keeping housing within the comfortable affordability zone. Homeowners carry mortgage costs around $953, while median home values of $186,300 remain accessible for middle-income buyers.
Champaign offers balanced relocation economics
If you earn near the $74,239 county median, Champaign's 14.3% rent-to-income ratio provides genuine breathing room compared to national averages. Test your own income against Champaign's costs: at $884 rent, you'd need roughly $74,000 annually to stay within the affordable 15% threshold.
Affordability Calculator
See how your income compares to housing costs in Champaign County
Rent Burden
14.3%
of gross income
Max Housing (28% Rule)
$1,732
per month
Owner Cost Burden
15.4%
of gross income
You can likely afford the median home in Champaign County
Median home value is $186,300. Estimated monthly cost: $1,487 vs. your max of $1,732.
Rent Affordability Guide
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.