Metro FMR · CBSA 16580 · HUD FY2026

Champaign-Urbana, IL HUD Metro FMR Area Fair Market Rent

HUD's FY2026 Fair Market Rent for the Champaign-Urbana, IL HUD Metro FMR Area metro area - 1% below the US average.

$946
1-bedroom FMR
$1,122
2-bedroom FMR
+4.1%
YoY change
-1%
vs US avg

The verdict

A 2-bedroom in the Champaign-Urbana, IL HUD Metro FMR Area area rents at $1,122 under HUD's FY2026 Fair Market Rent - 5% below the US average, lower than 77% of the 387 metro areas HUD tracks.

#90
most affordable of 387 US metros (2BR)
-5%
vs the US 2-bedroom average
$44,880
income to afford it (30% rule)
+4.1%
1BR change, FY2025→2026

Affordability & income context

Champaign-Urbana: #90 most affordable nationally · income context

At the metro's ACS median household income of $64,558, this 1-bedroom FMR takes 17.6% of annual income. It is well below the 30% affordability guide for a median-income household.

The 2-bedroom figure places Champaign-Urbana in the lower-rent quarter of HUD metro areas, using the same FY2026 HUD schedule as the national comparison.

With 236,707 residents, this is a smaller-metro benchmark rather than a single-neighborhood rent quote.

Its 2-bedroom FMR sits in the lower-rent quarter of HUD metro areas, so the local-income comparison is more informative than the national rank alone.

The studio-through-two-bedroom FMR bands stay below 30% of recorded median income here; the larger-bedroom rows show where that headroom narrows.

Observed renter burden: 46.3% of the 41,482 renter households counted by ACS paid at least 30% of income in gross rent. This ACS 2023 household measure is distinct from the FY2026 HUD FMR benchmark.

ACS median household income lags the FY2026 HUD FMR schedule. The income share is a same-metro cross-source read (Census ACS B19013 vs HUD FMR), not a same-vintage ratio.

Studio

$941/mo

17.5% of median income

1 Bedroom

$946/mo

17.6% of median income

2 Bedroom

$1,122/mo

20.9% of median income

3 Bedroom

$1,436/mo

26.7% of median income

4 Bedroom

$1,486/mo

27.6% of median income

FMR filing desk

CBSA CBSA·16580

Champaign-Urbana: $946/mo 1BR · #90 of 387 metros (2BR) · FY2026 CBSA 16580

  • CBSA 16580
  • 1BR-FMR $946
  • 2BR-FMR $1,122
  • RANK-MID #90
  • YOY-UP +4.1%
  • VSUS-NEAR -1%
  • IN-ST-HIGH #6 IL
  • INC-ROOM 18%
  • POP-MID 237K
  • PHOTO-NEAR Bloomington
  • VOUCH-90-110 $851–$1,041
  • FY-2026 FY2026

Photo-finish peer: Bloomington ($53 1BR gap)

Read with: Understanding rent trends

Where Champaign-Urbana sits among every US metro

2-bedroom Fair Market Rent vs. all 387 HUD metro areas

$1,122 higher than 23% of 387 metro areas

$800–$1,000: 28 metro areas (7%). Below this entry. $1,000–$1,200: 114 metro areas (29%). This entry sits in this band. $1,200–$1,400: 95 metro areas (25%). Above this entry. $1,400–$1,600: 52 metro areas (13%). Above this entry. $1,600–$1,800: 41 metro areas (11%). Above this entry. $1,800–$2,000: 26 metro areas (7%). Above this entry. $2,000–$2,200: 9 metro areas (2%). Above this entry. $2,200–$2,400: 5 metro areas (1%). Above this entry. $2,400–$2,600: 5 metro areas (1%). Above this entry. $2,600–$2,800: 5 metro areas (1%). Above this entry. $2,800–$3,000: 4 metro areas (1%). Above this entry. $3,000–$3,200: 2 metro areas (1%). Above this entry. $3,200–$3,400: 0 metro areas (0%). Above this entry. $3,400–$3,600: 0 metro areas (0%). Above this entry. $3,600–$3,800: 0 metro areas (0%). Above this entry. $3,800–$4,000: 0 metro areas (0%). Above this entry. $4,000–$4,200: 0 metro areas (0%). Above this entry. $4,200–$4,400: 1 metro areas (0%). Above this entry. This metro $800 $4,400 every US metro, bucketed by value

Each bar is a $0.2K-wide band; taller bars hold more metro areas. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Department of Housing and Urban Development, Fair Market Rents · FY2026

CBSA 16580

Counties inside Champaign-Urbana

Across 3 HUD counties in CBSA 16580, 2-bedroom FMRs cluster tightly ($916–$1,122, 22% spread), so the metro-wide schedule tracks most constituent counties closely.

Champaign County 2BR $1,122 · 207K Piatt County 2BR $1,122 · 17K Ford County 2BR $916 · 13K

Champaign-Urbana studio–4BR schedule (FY2026) · 2BR #90 most affordable

1BR $946 (-1% vs US, +4.1% YoY). Each bedroom band below is FY2026 HUD FMR for CBSA 16580.

Studio
$941
US avg $893
↑4.1% YoY +5% vs US
1 Bedroom
$946
US avg $959
↑4.1% YoY -1% vs US
2 Bedroom
$1,122
US avg $1,175
↑3.9% YoY -5% vs US
3 Bedroom
$1,436
US avg $1,525
↑2.2% YoY -6% vs US
4 Bedroom
$1,486
US avg $1,756
↑3.8% YoY -15% vs US

How Champaign-Urbana compares on 1-bedroom rent

1-bedroom FMR vs other IL metro areas

1BR FMR / mo

What this shows Champaign-Urbana highlighted among 4 peers · FY2026 1BR HUD FMR.

Source U.S. Department of Housing and Urban Development (HUD) As of FY2026

Champaign-Urbana: out-of-state FMR & burden peers

PlainRent pairs Champaign-Urbana with the 4 nearest HUD 2BR schedules and 4 nearest burden matches outside IL (burden peers exclude the FMR set; pop ≥50k).

2BR FMR · outside IL

Nearest schedules by 2BR delta (FY2026).

Kokomo
IN · 2 BR $1,123/mo
Saginaw
MI · 2 BR $1,117/mo
Sheboygan
WI · 2 BR $1,116/mo
Albany
GA · 2 BR $1,129/mo

Burden % · outside IL

Nearest 2BR FMR ÷ ACS median income (FY2026).

Minneapolis-St. Paul-Bloomington
MN · 20.9% of income · 2 BR $1,709/mo
Binghamton
NY · 20.9% of income · 2 BR $1,103/mo
Duluth
MN · 20.8% of income · 2 BR $1,232/mo
Warner Robins
GA · 20.8% of income · 2 BR $1,362/mo

Champaign-Urbana: quick answers

What is the average rent in the Champaign-Urbana, IL HUD Metro FMR Area metro area? ▼
The FY 2026 Fair Market Rent for a 1-bedroom in Champaign-Urbana, IL HUD Metro FMR Area is $946 per month. A 2-bedroom is $1,122 and a studio is $941.
How does Champaign-Urbana, IL HUD Metro FMR Area rent compare to the national average? ▼
Rent in the Champaign-Urbana, IL HUD Metro FMR Area metro area is 1% below the national average. A 1-bedroom costs $946 compared to $959 nationally.
Where does Champaign-Urbana rank nationally for Fair Market Rent? ▼
HUD's FY 2026 2-bedroom FMR of $1,122 ranks #90 most affordable among 387 US metro areas (the lower-rent quarter of HUD metro areas).
Do county rents differ inside the Champaign-Urbana metro area? ▼
Yes. HUD assigns one metro-wide FMR for CBSA 16580, but 3 constituent counties publish their own county FMR schedules spanning $916–$1,122 for a 2-bedroom (22% spread). Use county pages for filing at the county level.

Compare Champaign-Urbana vs Bloomington →

Data as of FY 2026. Source: U.S. Department of Housing and Urban Development (HUD) Fair Market Rents. Population and demographic data from U.S. Census Bureau American Community Survey (ACS).

Read our methodology - how this data is sourced, computed, and verified.

FY 2026 HUD FMR $946/mo · 1BR IL

Every figure on PlainRent is rendered directly from HUD's published Fair Market Rent records, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of FY 2026.