Lansing, MI vs Champaign, IL: Cost of Living

Which city costs less?

Champaign, IL has a modeled overall cost index 1.2% lower than Lansing, MI.

Lansing, MI · modeled 2BR rent: $1,270 / month
Champaign, IL · modeled 2BR rent: $1,270 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Lansing, MI and Champaign, IL using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Lansing, MI

Numbers update automatically as you type

Estimated savings: $159/month in Champaign, IL

$150,000 in your current city has a modeled equivalent of $148,092 in Champaign, IL

Regional cost estimates: Lansing, MI uses Detroit, MI. Champaign, IL uses Indianapolis, IN. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 1.2%

Less expensive

Monthly Impact

$159

Savings

Annual Impact

$1.9K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Lansing, MI

Population:112K

Cost Index:

89.2

100 = national average

Typical Home:$156K

Champaign, IL

Population:89K

Cost Index:

88.1

100 = national average

Typical Home:$193K

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Lansing, MI

The Great Lakes State

112K

Population

State Tax

Yes

Located in Michigan, this city has a population of 112K residents.

Champaign, IL

The Prairie State

89K

Population

State Tax

Yes

Located in Illinois, this city has a population of 89K residents.

Cost Breakdown by Category

Estimated monthly spending: Lansing, MI vs Champaign, IL

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Lansing, MI	Champaign, IL	Difference	Change
Housing	$1,705/mo	$2,129/mo	↑ $425more	24.9%
Transportation	$1,717/mo	$1,298/mo	↓ $419less	24.4%
Other	$1,830/mo	$1,737/mo	↓ $92.55less	5.1%
All Utilities	$605/mo	$546/mo	↓ $59.50less	9.8%
Groceries	$1,031/mo	$998/mo	↓ $32.86less	3.2%
Healthcare	$612/mo	$632/mo	↑ $19.99more	3.3%

Housing

↑ 24.9%

Lansing, MI

$1,705

Champaign, IL

$2,129

Difference

$425

Transportation

↓ 24.4%

Lansing, MI

$1,717

Champaign, IL

$1,298

Difference

$419

less

Other

↓ 5.1%

Lansing, MI

$1,830

Champaign, IL

$1,737

Difference

$92.55

less

All Utilities

↓ 9.8%

Lansing, MI

$605

Champaign, IL

$546

Difference

$59.50

less

Groceries

↓ 3.2%

Lansing, MI

$1,031

Champaign, IL

$998

Difference

$32.86

less

Healthcare

↑ 3.3%

Lansing, MI

$612

Champaign, IL

$632

Difference

$19.99

🏛️ Local Income Taxes

Lansing, MI: Lansing City Income Tax$1,500/yr (1.0%)

Champaign, IL has no local income tax recorded in this dataset.

Local taxes are shown separately and are not included in the living-cost totals. Coverage is incomplete; an absent entry does not establish that no tax applies.

🏠Rent Comparison

Studio

From$970

To$1,060

↑ $90.00

1 Bed

From$1,010

To$1,070

↑ $60.00

2 Bed

From$1,270

To$1,270

→ $0

3 Bed

From$1,630

To$1,630

→ $0

Lansing, MIZIP-level data

1BR range: $890–$1,040/mo

Champaign, ILZIP-level data

1BR range: $980–$1,210/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Lansing, MI

$7,341

Monthly in Champaign, IL

$159

Difference

Home Values

Lansing

Champaign

$156K

Median Value

$193K

↑ +4.2%

YoY Change

↑ +5.6%

↑ +36%

5-Year Change

↑ +39.4%

$119K - $253K

Price Range

$175K - $318K

Homes in Champaign are 24% more expensive than Lansing

Calculate payment - Lansing Calculate payment - Champaign

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $1.1K

More taxes

Monthly Difference

$87.50

Less take-home

Effective Rate Diff

0.7%

Rate difference

Lansing, MI

Federal Income Tax

Effective: 18.9%

$25.5K

Michigan State Tax

Effective: 4.3%

$6.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 28.9%

$43.4K

Take-Home Pay

$8,884/month

$106.6K

Champaign, IL

Federal Income Tax

Effective: 18.9%

$25.5K

Illinois State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,797/month

$105.6K

Additional Tax Information

Lansing, MI Tax Rates

Sales Tax:6.0%

Property Tax:1.4%

Champaign, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Lansing

Champaign

55 Moderate

Air Quality

54 Moderate

32.8%

Good Air Days

36.6%

99 High

Climate Risk

97 High

🌊🌡🌪

Top Hazards

🌊🌡🌪

▲+3.1°F

2050 Outlook

▲+3.1°F

10 days

Heat Days >95°F

18 days

▲+3.1°F

2050 Outlook

▲+3.1°F

10 days

Heat Days >95°F

18 days

Before moving from Lansing, MI to Champaign, IL

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Champaign, IL for the same bedroom count and included utilities as your home in Lansing, MI. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Lansing to Champaign moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Champaign, IL by cost, housing, population and region.

Frequently Asked Questions: Lansing, MI vs Champaign, IL

How do the cost estimates for Lansing, MI and Champaign, IL compare?

Champaign, IL has a modeled overall cost index 1.2% lower than Lansing, MI. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Lansing, MI, the model estimates $148,092 in Champaign, IL. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Lansing, MI and Champaign, IL?

The modeled two-bedroom rents are $1,270/month in Lansing, MI and $1,270/month in Champaign, IL. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Michigan and Illinois on TaxTakeHome.com