Champaign vs Indianapolis
The short version
- Champaign is cheaper overall: prices in its metro run 3% lower than in the Indianapolis area (BEA 2024).
- The median home costs $210,900 in Champaign and $224,800 in Indianapolis.
- Households earn more in Indianapolis ($66,219 vs $56,118 median).
- Commutes are shorter in Champaign (15 vs 25 minutes each way).
Side by side
| Champaign, IL | Indianapolis, IN | |
|---|---|---|
| People | ||
| Population (2025) | 91,195 | 901,116 |
| Growth since 2020 | +3.3% | +1.5% |
| People per square mile | 3,961 | 2,496 |
| Median age | 26.6 | 34.3 |
| Bachelor's degree or higher | 53% | 35% |
| Money and housing | ||
| Median household income | $56,118 | $66,219 |
| Median home value | $210,900 | $224,800 |
| Home value to income | 3.8× | 3.4× |
| Median rent (with utilities) | $1,123 | $1,156 |
| Metro price level (US = 100) | 92.7 | 95.7 |
| Housing price level (US = 100) | 71.6 | 88.9 |
| $75,000 elsewhere equals | $69,500 | $71,800 |
| Homeowners | 44% | 56% |
| Top state income tax | 4.95% | 2.95% |
| Combined sales tax | 8.98% | 7% |
| Work and commute | ||
| Average commute (minutes) | 14.9 | 24.6 |
| Work from home | 17% | 14% |
| Take public transit | 5% | 1% |
| Unemployment (2020-24 avg) | 4.8% | 5.1% |
| Poverty rate | 25.9% | 15.8% |
| Weather | ||
| January high / low | 34° / 18° | 36° / 21° |
| July high / low | 85° / 65° | 85° / 66° |
| Precipitation per year | 41 in | 44 in |
| Snowfall per year | 21 in | 26 in |
| Days 90°F or hotter | 23 | 20 |
| Nights below freezing | 120 | 105 |
| Comfortable months | 4 | 5 |
| Risks, air and home prices | ||
| Natural hazard risk (FEMA, county) | Relatively Moderate | Relatively High |
| FEMA risk score (lower is safer) | 90.5 | 97.5 |
| Good air days, 2025 | 66% | 38% |
| Home prices, past year | +5.4% | +3.5% |
| Home prices, past 5 years | +47.5% | +43.8% |
Highlighted cells are the better value where "better" is clear (lower prices, higher income, shorter commutes). Sources: Census Bureau 2025 estimates and ACS 2020-2024, BEA 2024, NOAA 1991-2020, Tax Foundation 2026.
Weather, month by month
Most comfortable months: Champaign: July to October. Indianapolis: April and July to October.
Full monthly tables: Champaign weather by month and Indianapolis weather by month.
What $75,000 is worth
A $75,000 salary in an average-priced US city buys about the same as $69,500 in Champaign and $71,800 in Indianapolis. Moving from Champaign to Indianapolis, you would need about $77,400 to match a $75,000 salary.
Moving between Champaign and Indianapolis
IRS county-to-county migration, 2022 to 2023 tax years, for the counties that contain each city. See where else people move from Champaign and Indianapolis.
Which would you pick?
One vote per person. Results show after you vote.