Monthly Budget in Champaign for a Family of Four
What it costs two adults, two children to live in Champaign, IL in 2026.
$4,044
Total Monthly
$8,987
Salary Needed
86
Cost Index
Complete Monthly Budget
| Category | Expense | Monthly Cost |
|---|---|---|
| Essential | Rent (3BR apartment) | $1,548 |
| Essential | Groceries & household supplies | $81 |
| Essential | Utilities (electric, gas, water) | $30 |
| Essential | Transportation (gas, transit, maintenance) | $61 |
| Essential | Car insurance | $318 |
| Essential | Health insurance (family plan) | $112 |
| Lifestyle | Internet & streaming | $65 |
| Lifestyle | Phone plan (4 lines) | $238 |
| Lifestyle | Dining out & takeout | $301 |
| Lifestyle | Entertainment & recreation | $258 |
| Essential | Childcare (2 children) | $1,032 |
| Essentials Subtotal | $3,182 | |
| Lifestyle Subtotal | $862 | |
| Total Monthly Budget | $4,044 |
💡 Salary Needed: To live in Champaign as two adults, two children with a 20% savings margin, you need approximately $8,987/year before taxes.Check affordability →