Median Income
$112,672
50% higher than US avg
Home Value
$224,100
21% lower than US avg
Violent Crime
77/100K
80% lower than US avg
Bachelor's+
28.8%
15% lower than US avg
Median Rent
$776
33% lower than US avg
Obesity Rate
39.2%
22% higher than US avg
Unemployment
1.4%
61% lower than US avg
Poverty Rate
5.2%
58% lower than US avg
How Urbana Compares to the U.S. Average (100% = U.S. avg)
People
Population1,628
Median Age31.3 yrs
Density899/mi²
Male / Female51% / 49%
Largest GroupWhite 92%
Veterans7.8%
Economy
A+
Median Income$112,672
Per Capita$40,789
Unemployment1.4%
Poverty5.2%
County GDP$1,087M
Commute27 min
Housing
A+
Home Value$224,100
Rent$776
Ownership93.3%
Zillow$245,876
Housing Units553
Rent Burden25.0%
Crime
F
Violent77/100K
Property1,162/100K
Health
Obesity39.2%
Uninsured5.6%
Smoking13.8%
Depression21.1%
Heart Disease4.8%
Climate
Avg Temp47°F (8°C)
AQI43 (Good)
Rain39.2 in/yr
Sunny Days260/yr
Elevation929 ft (283 m)
Education
B
Bachelor's+28.8%
High School+96.5%
Graduate+10.0%
School Score5.70
Community
2024 VoteR 63% / D 35%
Commute27 min
Broadband91.0%
EV Stations1
Libraries6
Is Urbana a Good Place to Live?
Based on current data, Urbana receives an overall livability score of 3.6 out of 5.0, earning a grade of B+. Key strengths include above-average household incomes, low unemployment, low crime rates, affordable housing. Areas to be aware of include high obesity rates. Urbana offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Urbana is $112,672, which is significantly higher than the national average / 50% above $75,149. This places Urbana among higher-income communities. The job market is very strong with unemployment at just 1.4%. Only 5.2% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 27 minutes.
Cost of Living & Housing
The median home value in Urbana is $224,100, 21% below the national median / offering relatively affordable homeownership. Renters pay a median of $776 per month, below the national average / a plus for affordability. At just 2x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Urbana is a very safe community with a violent crime rate of 77 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 1,162 per 100,000, 41% below the national average.
Education
28.8% of residents hold a bachelor's degree, below the national average of 33.7%. 96.5% have completed high school. Area schools have an average test score of 5.7/10.
Climate & Weather
Urbana experiences four distinct seasons with an average temperature of 47°F. Winters average 18°F in January while summers reach 72°F in July. With 260 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 39.2 inches. Air quality is rated Good with a median AQI of 43.
Urbana has a population of 1,628 with a density of 899 people per square mile, spread across 2.2 square miles. The median age is 31.3 years, 20% younger than the national median of 38.9. The gender split is 48.8% female and 51.2% male. The city is predominantly White (91.8%). English is the primary language spoken at home by 97% of residents. 7.8% of the population are veterans, above the national rate of 6.0%. 8.5% of residents have a disability (below the 13.0% national average). 99.2% have health insurance coverage.
Population
31.3yrs
Median Age
20% below US avg
Language Spoken at Home
English Only
97.0%
24% above US avg
Spanish
3.0%
78% below US avg
The median household income in Urbana is $112,672, which is 50% above the national average of $75,149. Per capita income is $40,789. The average weekly wage is $962, 33% lower than the U.S. average. The unemployment rate is 1.4% (below the 3.6% US average). 5.2% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 638 business establishments, including 37 restaurants. The cost of living index is 87.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 27 minutes. 12.1% of workers work from home.
Income
| Median HH Income | $112,672 |
| 50% above US avg |
| Per Capita Income | $40,789 |
| Avg Weekly Wage | $962 |
| IRS Avg AGI | $76,868 |
| Gini Index | 0.404 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.4% |
| 61% below US avg |
| Poverty Rate | 5.2% |
| 58% below US avg |
| Establishments (County) | 638 |
| County GDP | $1,087M |
Business (County)
| Restaurants | 37 |
| Healthcare | 44 |
| Retail | 72 |
| Manufacturing | 33 |
Tax & Cost of Living
| Property Tax (IRS) | $3,750 |
| 7% above US avg |
| Cost of Living | 87.80 (100=avg) |
| Effective Tax Rate | 1.67% |
Commute & Transportation
| Commute Time | 27.2 min |
| Drive Alone | 84.5% |
| Public Transit | 0.0% |
| Work from Home | 12.1% |
The median home value in Urbana is $224,100, 21% below the national median of $281,900. Zillow estimates the typical home value at $245,876. Homes sell for 97.7% of their list price. Monthly rent averages $776 (33% below the national average of $1,163). Fair market rent ranges from $788 for a one-bedroom to $989 for a two-bedroom apartment. 93.3% of housing units are owner-occupied (above the 65.4% national rate). There are 553 total housing units in the city. The median year a home was built is 1994. The average annual property tax is $3,750. 25.0% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2x, well within the affordable range.
Home Values
| Census Median | $224,100 |
| 21% below US avg |
| Zillow ZHVI | $245,876 |
| Median List Price | $189,900 |
Real Estate Market (Redfin)
| Median List Price | $189,900 |
| $/Sq Ft | $89 |
| Homes Sold | 1 |
| Sale-to-List Ratio | 97.7% |
| Price Drops | 25.0% |
| Inventory | 4 |
Rental Costs
| Census Median Rent | $776 |
| 33% below US avg |
| Rent Burden | 25.0% |
HUD Fair Market Rent
| Studio | $738 |
| 1 Bedroom | $788 |
| 2 Bedrooms | $989 |
| 3 Bedrooms | $1,282 |
| 4 Bedrooms | $1,420 |
Ownership & Property
| Homeownership | 93.3% |
| Owner-Occupied | 93.3% |
| Renter-Occupied | 6.7% |
| Housing Units | 553 |
| Median Year Built | 1994 |
Property Tax
| Avg Tax (IRS) | $3,750 |
| 7% above US avg |
| Effective Rate | 1.67% |
In Urbana, 39.2% of adults are obese, above the national rate of 32.1%. 8.0% have diabetes (below the 10.5% national rate). Heart disease affects 4.8% of residents, below the national average. 29.0% have high blood pressure. 13.8% are current smokers. 23.9% report binge drinking. 20.2% are physically inactive, below the national average. 21.1% report depression. 16.7% experience frequent mental distress. 5.6% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:2,582. The dentist ratio is 1:2,959. 67.1% of residents have access to exercise opportunities. The food environment index is 9.0 out of 10.
Health Metrics: Urbana vs U.S. Average (%)
Chronic Conditions
| Obesity | 39.2% |
| 22% above US avg |
| Diabetes | 8.0% |
| Heart Disease | 4.8% |
| High Blood Pressure | 29.0% |
| Asthma | 9.8% |
| COPD | 5.0% |
| Cancer | 7.5% |
| Stroke | 2.4% |
Behaviors & Mental Health
| Smoking | 13.8% |
| 1% below US avg |
| Binge Drinking | 23.9% |
| Physical Inactivity | 20.2% |
| Depression | 21.1% |
| Mental Distress | 16.7% |
| Physical Distress | 10.8% |
| Short Sleep | 33.8% |
Healthcare Access
| Insurance Rate | 99.2% |
| Uninsured | 5.6% |
| 35% below US avg |
| Primary Care | 1:2,582 |
| Dentists | 1:2,959 |
| Mental Health | 1:690 |
| Checkup Rate | 75.8% |
| Dental Visits | 69.9% |
| Premature Death | 5,284/100K |
Food & Exercise
| Food Environment | 9.0/10 |
| Exercise Access | 67.1% |
| Healthcare Facilities | 44 |
Urbana has a violent crime rate of 77 per 100,000 residents, 80% below the national average of 380. Property crime stands at 1,162 per 100,000, 41% below the U.S. average. The county recorded 1 fatal traffic crashes. Overall, Urbana receives a safety grade of F.
Crime Rates: Urbana vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 77.5/100K |
| 80% below US avg |
| |
Property Crime
| Total Property | 1,162.1/100K |
| 41% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 1 |
| Traffic Accidents | 25 |
| Avg Accident Severity | 2.4 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Urbana experiences four distinct seasons with an average annual temperature of 47°F (8°C). Winters average 18°F in January while summers reach 72°F in July. The area gets 260 sunny days per year, above the national average. Annual precipitation totals 39.2 inches. Air quality is rated Good with a median AQI of 43. The city sits at an elevation of 929 feet.
Temperature
18°F Jan (-8°C)
72°F Jul (22°C)
| Annual Average | 46.5°F |
| 14% below US avg |
| January Average | 18°F (-8°C) |
| July Average | 72°F (22°C) |
| Sunny Days | 260 days/yr |
Geography
| Elevation | 929 ft (283 m) |
| Area | 2.2 sq mi (5.7 km²) |
| Population Density | 899/sq mi |
| Coordinates | 42.2298°N, 91.8855°W |
| Timezone | America/Chicago |
| County | Buchanan County County |
| Nearest Airport | The Eastern Iowa (CID)
25 miles away |
Precipitation & Snow
Annual Rainfall
39.2"
3% above US avg
Wettest Month (Jun)
4.41"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 24.1 / 100 |
| Social Vulnerability | 10.6 / 100 |
| Community Resilience | 87.7 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Very Low |
| Ice Storm |
Very Low |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Tornado History
616 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 24 fatalities, 528 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 25, 2008 |
EF5 |
89 km |
9 |
| May 15, 1968 |
EF5 |
49 km |
5 |
| Mar 13, 1990 |
EF4 |
38 km |
0 |
| Aug 12, 1974 |
EF4 |
36 km |
0 |
| Aug 12, 1974 |
EF4 |
59 km |
0 |
| Aug 26, 1965 |
EF4 |
27 km |
1 |
| Apr 11, 1965 |
EF4 |
90 km |
1 |
| Apr 30, 1954 |
EF4 |
18 km |
0 |
| Jul 19, 2018 |
EF3 |
96 km |
0 |
| May 25, 2008 |
EF3 |
43 km |
0 |
| May 21, 2004 |
EF3 |
21 km |
0 |
| May 11, 2000 |
EF3 |
57 km |
1 |
| Jul 27, 1995 |
EF3 |
45 km |
0 |
| Jun 19, 1993 |
EF3 |
36 km |
0 |
| Jun 19, 1993 |
EF3 |
96 km |
0 |
| Jul 13, 1992 |
EF3 |
63 km |
0 |
| May 30, 1985 |
EF3 |
75 km |
2 |
| May 4, 1977 |
EF3 |
67 km |
0 |
| Nov 9, 1975 |
EF3 |
48 km |
0 |
| Jul 12, 1971 |
EF3 |
31 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
4 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (939 ac, 2009).
| Year |
Name |
Acres |
Distance |
| 2009 |
UNNAMED |
939 |
51 km |
| 2010 |
FOLEY |
786 |
50 km |
| 2011 |
ACE AUTO |
676 |
48 km |
| 2011 |
IRCP WUI ROFAE #2 FY11 |
510 |
52 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
18°F (-8°C) |
0.9 in |
Coldest, Driest |
| February |
24°F (-5°C) |
1.0 in |
|
| March |
36°F (2°C) |
2.2 in |
|
| April |
49°F (9°C) |
3.4 in |
|
| May |
60°F (16°C) |
4.0 in |
|
| June |
70°F (21°C) |
4.4 in |
Wettest |
| July |
72°F (22°C) |
4.1 in |
Warmest |
| August |
71°F (22°C) |
4.3 in |
|
| September |
63°F (17°C) |
3.9 in |
|
| October |
51°F (11°C) |
2.4 in |
|
| November |
36°F (2°C) |
2.1 in |
|
| December |
23°F (-5°C) |
1.4 in |
|
Urbana has a seasonal temperature swing of 54°F / from 18°F in January to 72°F in July. Total annual precipitation is 34.0 inches, with June being the wettest month (4.4") and January the driest (0.9").
Average costs for common services in Urbana. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$220 ($132–$351) |
| Specialist Visit |
$307 ($176–$483) |
| Urgent Care Visit |
$176 ($88–$307) |
| Emergency Room Visit |
$1,932 ($702–$4,390) |
| Dental Cleaning |
$114 ($66–$176) |
| Dental Filling |
$220 ($132–$351) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$40 ($22–$66) |
| Oil Change (Synthetic) |
$66 ($44–$105) |
| Brake Pad Replacement |
$263 ($132–$439) |
| Tire Rotation |
$35 ($18–$66) |
| New Tires (Set of 4) |
$527 ($351–$878) |
| Battery Replacement |
$176 ($88–$307) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$88 ($53–$132) |
| Electrician (Per Hour) |
$79 ($44–$123) |
| HVAC Repair |
$351 ($132–$702) |
| HVAC System Install |
$6,146 ($3,512–$10,536) |
| Roof Repair |
$878 ($351–$1,756) |
| Roof Replacement |
$7,902 ($4,829–$13,170) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,317 ($439–$3,073) |
| Divorce (Contested) |
$13,170 ($4,390–$26,340) |
| DUI Defense |
$4,390 ($1,756–$8,780) |
| Bankruptcy (Chapter 7) |
$1,317 ($702–$2,634) |
| Will Preparation |
$439 ($176–$878) |
| Trust Preparation |
$2,195 ($878–$4,390) |
View all 12 services
Personal Care
| Men's Haircut |
$22 ($13–$40) |
| Women's Haircut |
$48 ($26–$88) |
| Hair Coloring (Full) |
$132 ($66–$220) |
| Manicure |
$22 ($13–$40) |
| Pedicure |
$35 ($22–$57) |
| Massage (1 Hour) |
$70 ($44–$114) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.60 ($2.63–$4.83) |
| Dozen Eggs (per dozen) |
$3.07 ($2.20–$4.39) |
| Loaf of Bread |
$3.34 ($2.20–$4.83) |
| Chicken Breast (per lb) |
$3.95 ($2.63–$5.71) |
| Ground Beef (per lb) |
$4.83 ($3.51–$6.59) |
| Rice (per lb) |
$0.88 ($0.53–$1.58) |
View all 20 services
Utilities
| Electricity (Monthly) |
$123 ($70–$220) |
| Natural Gas (Monthly) |
$61 ($26–$132) |
| Water/Sewer (Monthly) |
$61 ($35–$105) |
| Internet (Monthly) |
$61 ($35–$88) |
| Cell Phone Plan (Monthly) |
$57 ($26–$88) |
| Cable TV (Monthly) |
$75 ($44–$132) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$176 ($66–$439) |
| Car Insurance (Annual) |
$1,756 ($1,054–$3,073) |
| Bus Pass (Monthly) |
$61 ($26–$114) |
| Taxi/Uber (5-Mile Ride) |
$13 ($7.02–$22) |
| Car Registration (Annual) |
$88 ($26–$220) |
| Driver's License Renewal |
$26 ($13–$66) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,054 ($527–$2,195) |
| Daycare (Toddler, Monthly) |
$878 ($439–$1,756) |
| After-School Care (Monthly) |
$351 ($176–$615) |
| Tutoring (Per Hour) |
$44 ($22–$88) |
| SAT/ACT Prep Course |
$878 ($351–$2,195) |
| Private School (K-12, Annual) |
$10,975 ($4,390–$26,340) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$53 ($26–$88) |
| Dog Vaccination (Annual) |
$88 ($44–$176) |
| Dog Grooming |
$53 ($26–$88) |
| Pet Boarding (Per Night) |
$35 ($18–$66) |
| Dog Spay/Neuter |
$263 ($132–$439) |
| Cat Spay/Neuter |
$176 ($88–$351) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $687 |
| Toddler | $592 |
| Preschool | $592 |
| Family Childcare (monthly) |
| Infant | $464 |
| Toddler | $456 |
| Preschool | $456 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Urbana
What is the population of Urbana?
Urbana has a population of 1,628 residents and is located in Iowa. The population density is 899 people per square mile, spread across 2.2 square miles. The median age of residents is 31.3 years, which is younger than the national median of 38.9 years. The population is 48.8% female and 51.2% male.
Is Urbana expensive to live in?
Urbana is more affordable than the national average, with a cost of living index of 87.8 / below the baseline of 100. The median household income is $112,672, 50% above the national average of $75,149. The median home value is $224,100 (21% below the U.S. median). Renters pay a median of $776 per month, below the national average of $1,163. The home price-to-income ratio is 2x, indicating housing is reasonably affordable relative to local income levels.
Is Urbana safe?
Urbana is considered a very safe city with a violent crime rate of 77 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 1,162 per 100,000 (below the national average). Overall, Urbana receives a safety grade of F based on combined crime data.
What is the weather like in Urbana?
Urbana has a four-season climate with an average annual temperature of 47°F (8°C). Winter temperatures average 18°F in January, while summers reach an average of 72°F in July. The area receives 260 sunny days per year, well above the national average of 205. Annual rainfall totals 39.2 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in Urbana?
The job market in Urbana is very strong, with unemployment at just 1.4% / well below the national rate of 3.6%. The average weekly wage is $962. There are 638 business establishments in the area, including 37 restaurants and food service locations. The average commute time is 27 minutes, and 12.1% of workers work from home.
How much does housing cost in Urbana?
The median home value in Urbana is $224,100. Zillow estimates the typical home value at $245,876. For renters, the median monthly rent is $776. Fair market rent is $788 for a 1-bedroom and $989 for a 2-bedroom apartment. The homeownership rate is 93.3%. The average annual property tax is $3,750.
How are the schools in Urbana?
Schools in Urbana score 5.7 out of 10 on standardized testing, near the national average. 28.8% of adults in Urbana hold a bachelor's degree or higher, below the national average of 33.7%. 96.5% have completed high school. 10.0% hold a graduate or professional degree.
How healthy is Urbana?
The obesity rate in Urbana is 39.2% (above the national rate of 32.1%). 13.8% of adults are smokers. 20.2% are physically inactive. 21.1% of residents report depression. 5.6% lack health insurance (below the national rate). 67.1% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,582.
What is transportation like in Urbana?
The average commute in Urbana is 27 minutes. 84.5% of workers drive alone to work, and 12.1% work from home.
What are the demographics of Urbana?
The racial and ethnic makeup of Urbana is 91.8% White, 0.6% Black or African American. 97% of residents speak only English at home. 7.8% of the population are military veterans. 8.5% of residents have a disability. 99.2% have health insurance coverage.
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