MoveNumbers
Tap to swap

Cost of Living Comparison 2026

๐Ÿ“ Urbana, IL โ€” ZIP-level rent data ยท COL adjusted from Indianapolis, IN area

$

Numbers update automatically as you type

You'd spend $2.2K/month more in Denver, CO

$150.0K in your current city equals $175.9K in Denver, CO

Rent data from HUD ZIP-level estimates ยท COL index from area
Overall Cost
โ†‘ 28.8%
More expensive
Monthly Impact
$2,157
Extra cost
Annual Impact
$25.9K
Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Urbana, IL

Population:38K
Cost Index:100
Median Home:$182K

Denver, CO

Population:716K
Cost Index:129
Median Home:$513K

Urbana, IL

The Prairie State

38K
Population
State Tax
Yes

Located in Illinois, this city has a population of 38K residents.

Denver, CO

The Centennial State

716K
Population
State Tax
Yes
Climate
Semi-arid

Notable Facts

  • โ€ขMile-high city (5,280 ft)
  • โ€ขOutdoor recreation hub
  • โ€ขMajor cannabis market

Major Industries

AerospaceTechnologyEnergyTourism

Cost Breakdown by Category

Annual spending: Urbana, IL vs Denver, CO

๐Ÿ Housing
โ†‘ 88.6%
Urbana, IL
$1,722
Denver, CO
$3,248
Difference
$1,526
more
๐Ÿš—Transportation
โ†‘ 25.2%
Urbana, IL
$1,167
Denver, CO
$1,462
Difference
$295
more
๐Ÿ“ฆOther
โ†‘ 13.6%
Urbana, IL
$1,562
Denver, CO
$1,774
Difference
$213
more
๐Ÿ›’Groceries
โ†‘ 13.0%
Urbana, IL
$911
Denver, CO
$1,029
Difference
$118
more
๐ŸฅHealthcare
โ†‘ 9.5%
Urbana, IL
$577
Denver, CO
$632
Difference
$54.85
more
โšกAll Utilities
โ†‘ 4.2%
Urbana, IL
$498
Denver, CO
$519
Difference
$20.95
more

๐Ÿ›๏ธ Local Income Taxes

Denver, CO: Denver Head Tax ($5.75/mo, negligible)$69.00/yr (0.0%)

Urbana, IL has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

๐Ÿ Rent Comparison

Studio
From$760
To$1,720
โ†‘ $960
1 Bed
From$768
To$1,840
โ†‘ $1,072
2 Bed
From$910
To$2,190
โ†‘ $1,280
3 Bed
From$1,169
To$2,870
โ†‘ $1,701
Urbana, ILZIP-level data

1BR range: $920โ€“$920/mo

Denver, COZIP-level data

1BR range: $1,620โ€“$2,540/mo

๐Ÿ’ก Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$6,437
Monthly in Urbana, IL
$8,665
Monthly in Denver, CO
$2,228
Difference

Home Values

Urbana
Denver
$182K
Median Value
$513K
โ†‘ +4.2%
YoY Change
โ†“ -4.2%
โ†‘ +37%
5-Year Change
โ†‘ +13%
$182K
Price Range
$352K - $933K

Homes in Denver are 182% more expensive than Urbana

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†‘ $825
Per year
Monthly Difference
$68.75
More take-home
Effective Rate Diff
0.6%
Rate difference

Urbana, 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

Denver, CO

Federal Income Tax
Effective: 18.9%
$25.5K
Colorado State Tax
Effective: 4.4%
$6.6K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.1%
$43.6K
Take-Home Pay
$8,866/month
$106.4K

Additional Tax Information

Urbana, IL Tax Rates

Sales Tax:8.8%
Property Tax:2.2%

Denver, CO Tax Rates

Sales Tax:7.8%
Property Tax:0.5%

๐Ÿ’ก 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

Urbana
Denver
54 Moderate
Air Quality
55 Moderate
36.6%
Good Air Days
35.2%
97 High
Climate Risk
95 High
๐ŸŒŠ๐ŸŒก๐ŸŒช
Top Hazards
๐ŸŒŠ๐ŸŒช๐Ÿ’จ
โ–ฒ+3.1ยฐF
2050 Outlook
โ–ฒ+3.3ยฐF
18 days
Heat Days >95ยฐF
28 days
โ–ฒ+3.1ยฐF
2050 Outlook
โ–ฒ+3.3ยฐF
18 days
Heat Days >95ยฐF
28 days

๐Ÿ’ฐ See how taxes change too โ€” compare take-home pay between Illinois and Colorado on TaxTakeHome.com

Similar cost to Denver, CO

Other cities in a similar price range

Want to compare different cities?

New Comparison