Median Income
$45,854
39% lower than US avg
Home Value
$186,300
34% lower than US avg
Violent Crime
295/100K
22% lower than US avg
Bachelor's+
58.4%
73% higher than US avg
Median Rent
$951
18% lower than US avg
Obesity Rate
34.7%
8% higher than US avg
Unemployment
3.4%
6% lower than US avg
Poverty Rate
11.1%
10% lower than US avg
How Urbana Compares to the U.S. Average (100% = U.S. avg)
People
Population38,447
Median Age26.7 yrs
Density3,247/mi²
Male / Female51% / 49%
Largest GroupWhite 59%
Veterans3.2%
Economy
B
Median Income$45,854
Per Capita$31,936
Unemployment3.4%
Poverty11.1%
County GDP$15,450M
Commute14 min
Housing
A
Home Value$186,300
Rent$951
Ownership34.7%
Zillow$196,716
Housing Units18,920
Rent Burden34.6%
Crime
F
Violent295/100K
Property2,590/100K
Murder2.4/100K
Assault135/100K
Burglary383/100K
Health
Obesity34.7%
Uninsured8.1%
Smoking13.1%
Depression21.5%
Heart Disease5.3%
Climate
Avg Temp52°F (11°C)
AQI43 (Good)
Rain40.9 in/yr
Sunny Days275/yr
Elevation741 ft (226 m)
Education
A+
Bachelor's+58.4%
High School+95.5%
Graduate+35.0%
School Score5.31
Community
2024 VoteR 37% / D 61%
Commute14 min
Broadband84.3%
EV Stations6
Libraries11
Is Urbana a Good Place to Live?
Based on current data, Urbana receives an overall livability score of 3.4 out of 5.0, earning a grade of B. Key strengths include low unemployment, low crime rates, a highly educated population, affordable housing. Areas to be aware of include below-average incomes. 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 $45,854, 39% below the national average of $75,149. Unemployment stands at 3.4%, indicating a healthy job market. 11.1% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 14 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Urbana is $186,300, 34% below the national median / offering relatively affordable homeownership. Renters pay a median of $951 per month, below the national average / a plus for affordability. A price-to-income ratio of 4.1x indicates a reasonably affordable housing market.
Safety & Crime
Violent crime in Urbana is below the national average at 295 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 2,590 per 100,000, 32% above the national average.
Education
Urbana is a highly educated community / 58.4% of adults hold a bachelor's degree or higher, well above the national average of 33.7%. 95.5% have completed high school. Area schools have an average test score of 5.3/10.
Climate & Weather
Urbana experiences four distinct seasons with an average temperature of 52°F. Winters average 26°F in January while summers reach 75°F in July. With 275 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 40.9 inches, including 20.8 inches of snow. Air quality is rated Good with a median AQI of 43.
Urbana has a population of 38,447 with a density of 3,247 people per square mile, spread across 11.6 square miles. The median age is 26.7 years, 31% younger than the national median of 38.9. The gender split is 49.2% female and 50.8% male. The city is predominantly White (59.2%), with 16.9% Black. English is the primary language spoken at home by 75.9% of residents, while 24.1% speak Spanish. 3.2% of the population are veterans, below the national rate of 6.0%. 9.1% of residents have a disability (below the 13.0% national average). 95.5% have health insurance coverage.
Population
26.7yrs
Median Age
31% below US avg
Language Spoken at Home
English Only
75.9%
3% below US avg
Spanish
24.1%
80% above US avg
The median household income in Urbana is $45,854, which is 39% below the national average of $75,149. Per capita income is $31,936 (below the $39,052 national figure). The average weekly wage is $1,235, 14% lower than the U.S. average. The unemployment rate is 3.4% (below the 3.6% US average). 11.1% of residents live below the poverty line. The area has 4,160 business establishments, including 590 restaurants. The cost of living index is 100, roughly in line with the national average. Workers commute an average of 14 minutes (shorter than the 28-minute US average). 14.6% of workers work from home.
Income
| Median HH Income | $45,854 |
| 39% below US avg |
| Per Capita Income | $31,936 |
| Avg Weekly Wage | $1,235 |
| IRS Avg AGI | $79,600 |
| Gini Index | 0.498 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 3.4% |
| 6% below US avg |
| Poverty Rate | 11.1% |
| 10% below US avg |
| Establishments (County) | 4,160 |
| County GDP | $15,450M |
Business (County)
| Restaurants | 590 |
| Healthcare | 419 |
| Retail | 576 |
| Manufacturing | 124 |
Tax & Cost of Living
| Property Tax (IRS) | $7,971 |
| 128% above US avg |
| Cost of Living | 100.00 (100=avg) |
| Effective Tax Rate | 4.28% |
Commute & Transportation
| Commute Time | 14.3 min |
| Drive Alone | 51.8% |
| Public Transit | 7.2% |
| Work from Home | 14.6% |
The median home value in Urbana is $186,300, 34% below the national median of $281,900. Zillow estimates the typical home value at $196,716. Homes sell for 96.8% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $951 (18% below the national average of $1,163). Fair market rent ranges from $854 for a one-bedroom to $1,063 for a two-bedroom apartment. 34.7% of housing units are owner-occupied (below the 65.4% national rate). There are 18,920 total housing units in the city. The median year a home was built is 1979. The average annual property tax is $7,971 (higher than the $3,500 national average). 34.6% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 4.1x.
Home Values
| Census Median | $186,300 |
| 34% below US avg |
| Zillow ZHVI | $196,716 |
| Median List Price | $274,500 |
Real Estate Market (Redfin)
| Median List Price | $274,500 |
| $/Sq Ft | $155 |
| Homes Sold | 31 |
| Sale-to-List Ratio | 96.8% |
| Price Drops | 9.2% |
| Inventory | 76 |
Rental Costs
| Census Median Rent | $951 |
| 18% below US avg |
| Zillow Rent (ZORI) | $1,411 |
| Rent Burden | 34.6% |
HUD Fair Market Rent
| Studio | $774 |
| 1 Bedroom | $854 |
| 2 Bedrooms | $1,063 |
| 3 Bedrooms | $1,370 |
| 4 Bedrooms | $1,561 |
Ownership & Property
| Homeownership | 34.7% |
| Owner-Occupied | 34.7% |
| Renter-Occupied | 65.3% |
| Housing Units | 18,920 |
| Median Year Built | 1979 |
Property Tax
| Avg Tax (IRS) | $7,971 |
| 128% above US avg |
| Effective Rate | 4.28% |
In Urbana, 34.7% of adults are obese, above the national rate of 32.1%. 11.3% have diabetes. Heart disease affects 5.3% of residents. 32.7% have high blood pressure. 13.1% are current smokers. 17.0% report binge drinking. 22.6% are physically inactive. 21.5% report depression. 16.6% experience frequent mental distress. 8.1% of residents lack health insurance. The primary care physician ratio is 1:958. The dentist ratio is 1:1,497. 88.1% of residents have access to exercise opportunities. The food environment index is 8.2 out of 10.
Air Quality (Open-Meteo CAMS — 2026-05-22)
PM2.5
2.0
μg/m³
Fine particulate
PM10
2.0
μg/m³
Coarse particulate
NO₂
3.4
μg/m³
Nitrogen dioxide
SO₂
0.7
μg/m³
Sulphur dioxide
CO
147.0
μg/m³
Carbon monoxide
Health Metrics: Urbana vs U.S. Average (%)
Chronic Conditions
| Obesity | 34.7% |
| 8% above US avg |
| Diabetes | 11.3% |
| Heart Disease | 5.3% |
| High Blood Pressure | 32.7% |
| Asthma | 10.2% |
| COPD | 6.1% |
| Cancer | 6.7% |
| Stroke | 3.1% |
Behaviors & Mental Health
| Smoking | 13.1% |
| 6% below US avg |
| Binge Drinking | 17.0% |
| Physical Inactivity | 22.6% |
| Depression | 21.5% |
| Mental Distress | 16.6% |
| Physical Distress | 12.0% |
| Short Sleep | 36.0% |
Healthcare Access
| Insurance Rate | 95.5% |
| Uninsured | 8.1% |
| 6% below US avg |
| Primary Care | 1:958 |
| Dentists | 1:1,497 |
| Mental Health | 1:272 |
| Checkup Rate | 76.6% |
| Dental Visits | 60.4% |
| Premature Death | 7,180/100K |
Food & Exercise
| Food Environment | 8.2/10 |
| Exercise Access | 88.1% |
| Healthcare Facilities | 419 |
Urbana has a violent crime rate of 295 per 100,000 residents, 22% below the national average of 380. This breaks down to aggravated assault at 135.5 per 100,000, robbery at 85.6, rape at 71.3. The murder rate is 2.4 per 100,000 (below the national rate of 6.3). Property crime stands at 2,590 per 100,000, 32% above the U.S. average. This includes larceny/theft at 2,115, burglary at 383, vehicle theft at 93 per 100,000 residents. The county recorded 19 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 | 294.7/100K |
| 22% below US avg |
| Murder | 2.4/100K |
| 62% below US avg |
| Rape | 71.3/100K |
| Robbery | 85.6/100K |
| Assault | 135.5/100K |
Property Crime
| Total Property | 2,590.3/100K |
| 32% above US avg |
| Burglary | 382.6/100K |
| Theft | 2,115.0/100K |
| Vehicle Theft | 92.7/100K |
| Arson | 11.9/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 19 |
| Traffic Accidents | 85 |
| Avg Accident Severity | 2.9 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Urbana experiences four distinct seasons with an average annual temperature of 52°F (11°C). Winters average 26°F in January while summers reach 75°F in July. The area gets 275 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 40.9 inches. The area receives 20.8 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 43. The city sits at an elevation of 741 feet.
Temperature
26°F Jan (-4°C)
75°F Jul (24°C)
| Annual Average | 52.3°F |
| 3% below US avg |
| January Average | 26°F (-4°C) |
| July Average | 75°F (24°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 741 ft (226 m) |
| Area | 11.6 sq mi (30.0 km²) |
| Population Density | 3,247/sq mi |
| Coordinates | 40.1101°N, 88.1973°W |
| Timezone | America/Chicago |
| County | Champaign County County |
| Nearest Airport | Vermilion Regional (DNV) 32 miles away |
Precipitation & Snow
Annual Rainfall
40.9"
8% above US avg
Wettest Month (Jul)
4.57"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0442 ppm |
| SO₂ (Sulfur Dioxide) | 0.56 ppb |
| CO (Carbon Monoxide) | 0.11 ppm |
| PM2.5 (Fine Particles) | 8.2 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Moderate |
| Risk Score | 90.5 / 100 |
| Social Vulnerability | 30.9 / 100 |
| Community Resilience | 86.3 / 100 |
Hazard Breakdown
| Tornado |
Relatively High |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Moderate |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively High |
| Heat Wave |
Relatively Moderate |
| Winter Weather |
Relatively High |
| Lightning |
Relatively Moderate |
| Ice Storm |
Relatively Moderate |
| Drought |
Relatively High |
| Cold Wave |
Relatively High |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
11 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.8. Most recent: M3.3 on May 13, 2025.
| Jun 17, 2021 |
Illinois-Indiana border region |
M3.8 |
84 km |
| Nov 11, 1991 |
3 km W of Flat Rock, Illinois |
M3.8 |
140 km |
| Dec 20, 1990 |
5 km S of Stilesville, Indiana |
M3.7 |
146 km |
| Apr 14, 2000 |
4 km NW of Heritage Lake, Indiana |
M3.6 |
129 km |
| May 13, 2025 |
7 km SSW of Lerna, Illinois |
M3.3 |
84 km |
| Jan 29, 1993 |
7 km WNW of Brownstown, Illinois |
M3.2 |
139 km |
| Dec 17, 1990 |
Illinois-Indiana border region |
M3.2 |
98 km |
| Dec 16, 1996 |
3 km NNE of Terre Haute, Indiana |
M3.1 |
96 km |
| Sep 5, 2004 |
3 km WNW of Saint Peter, Illinois |
M2.9 |
149 km |
| Apr 24, 1990 |
5 km SW of Newton, Illinois |
M2.9 |
128 km |
| Mar 15, 2025 |
6 km W of Dwight, Illinois |
M2.6 |
112 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
679 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 19 fatalities, 493 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 5, 1977 |
EF4 |
91 km |
0 |
| Mar 20, 1976 |
EF4 |
62 km |
0 |
| Nov 17, 2013 |
EF3 |
14 km |
0 |
| Nov 17, 2013 |
EF3 |
32 km |
0 |
| Apr 19, 1996 |
EF3 |
6 km |
0 |
| Apr 19, 1996 |
EF3 |
21 km |
1 |
| Apr 19, 1996 |
EF3 |
90 km |
0 |
| Jun 2, 1980 |
EF3 |
96 km |
1 |
| Aug 21, 1977 |
EF3 |
85 km |
6 |
| Aug 10, 1974 |
EF3 |
62 km |
0 |
| Apr 3, 1974 |
EF3 |
21 km |
0 |
| Apr 3, 1974 |
EF3 |
64 km |
0 |
| Apr 3, 1974 |
EF3 |
91 km |
1 |
| Apr 3, 1974 |
EF3 |
58 km |
0 |
| Apr 3, 1974 |
EF3 |
15 km |
1 |
| May 15, 1968 |
EF3 |
71 km |
0 |
| Apr 29, 1963 |
EF3 |
96 km |
0 |
| Apr 22, 1963 |
EF3 |
50 km |
0 |
| Apr 22, 1963 |
EF3 |
35 km |
0 |
| Jul 21, 1961 |
EF3 |
62 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
26°F (-4°C) |
1.9 in |
Coldest, Driest |
| February |
29°F (-2°C) |
1.9 in |
|
| March |
40°F (5°C) |
3.2 in |
|
| April |
52°F (11°C) |
3.8 in |
|
| May |
63°F (17°C) |
4.3 in |
|
| June |
72°F (22°C) |
3.9 in |
|
| July |
75°F (24°C) |
4.6 in |
Warmest, Wettest |
| August |
73°F (23°C) |
4.0 in |
|
| September |
67°F (19°C) |
3.3 in |
|
| October |
55°F (13°C) |
2.8 in |
|
| November |
42°F (6°C) |
3.3 in |
|
| December |
30°F (-1°C) |
2.8 in |
|
Urbana has a seasonal temperature swing of 50°F / from 26°F in January to 75°F in July. Total annual precipitation is 39.7 inches, with July being the wettest month (4.6") and January the driest (1.9").
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) |
$250 ($150–$400) |
| Specialist Visit |
$350 ($200–$550) |
| Urgent Care Visit |
$200 ($100–$350) |
| Emergency Room Visit |
$2,200 ($800–$5,000) |
| Dental Cleaning |
$130 ($75–$200) |
| Dental Filling |
$250 ($150–$400) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$45 ($25–$75) |
| Oil Change (Synthetic) |
$75 ($50–$120) |
| Brake Pad Replacement |
$300 ($150–$500) |
| Tire Rotation |
$40 ($20–$75) |
| New Tires (Set of 4) |
$600 ($400–$1,000) |
| Battery Replacement |
$200 ($100–$350) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$100 ($60–$150) |
| Electrician (Per Hour) |
$90 ($50–$140) |
| HVAC Repair |
$400 ($150–$800) |
| HVAC System Install |
$7,000 ($4,000–$12,000) |
| Roof Repair |
$1,000 ($400–$2,000) |
| Roof Replacement |
$9,000 ($5,500–$15,000) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,500 ($500–$3,500) |
| Divorce (Contested) |
$15,000 ($5,000–$30,000) |
| DUI Defense |
$5,000 ($2,000–$10,000) |
| Bankruptcy (Chapter 7) |
$1,500 ($800–$3,000) |
| Will Preparation |
$500 ($200–$1,000) |
| Trust Preparation |
$2,500 ($1,000–$5,000) |
View all 12 services
Personal Care
| Men's Haircut |
$25 ($15–$45) |
| Women's Haircut |
$55 ($30–$100) |
| Hair Coloring (Full) |
$150 ($75–$250) |
| Manicure |
$25 ($15–$45) |
| Pedicure |
$40 ($25–$65) |
| Massage (1 Hour) |
$80 ($50–$130) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.10 ($3.00–$5.50) |
| Dozen Eggs (per dozen) |
$3.50 ($2.50–$5.00) |
| Loaf of Bread |
$3.80 ($2.50–$5.50) |
| Chicken Breast (per lb) |
$4.50 ($3.00–$6.50) |
| Ground Beef (per lb) |
$5.50 ($4.00–$7.50) |
| Rice (per lb) |
$1.00 ($0.60–$1.80) |
View all 20 services
Utilities
| Electricity (Monthly) |
$140 ($80–$250) |
| Natural Gas (Monthly) |
$70 ($30–$150) |
| Water/Sewer (Monthly) |
$70 ($40–$120) |
| Internet (Monthly) |
$70 ($40–$100) |
| Cell Phone Plan (Monthly) |
$65 ($30–$100) |
| Cable TV (Monthly) |
$85 ($50–$150) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$200 ($75–$500) |
| Car Insurance (Annual) |
$2,000 ($1,200–$3,500) |
| Bus Pass (Monthly) |
$70 ($30–$130) |
| Taxi/Uber (5-Mile Ride) |
$15 ($8.00–$25) |
| Car Registration (Annual) |
$100 ($30–$250) |
| Driver's License Renewal |
$30 ($15–$75) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,200 ($600–$2,500) |
| Daycare (Toddler, Monthly) |
$1,000 ($500–$2,000) |
| After-School Care (Monthly) |
$400 ($200–$700) |
| Tutoring (Per Hour) |
$50 ($25–$100) |
| SAT/ACT Prep Course |
$1,000 ($400–$2,500) |
| Private School (K-12, Annual) |
$12,500 ($5,000–$30,000) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$60 ($30–$100) |
| Dog Vaccination (Annual) |
$100 ($50–$200) |
| Dog Grooming |
$60 ($30–$100) |
| Pet Boarding (Per Night) |
$40 ($20–$75) |
| Dog Spay/Neuter |
$300 ($150–$500) |
| Cat Spay/Neuter |
$200 ($100–$400) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $1,340 |
| Toddler | $1,191 |
| Preschool | $1,035 |
| Family Childcare (monthly) |
| Infant | $640 |
| Toddler | $683 |
| Preschool | $613 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Urbana
What is the population of Urbana?
Urbana has a population of 38,447 residents and is located in Illinois. The population density is 3,247 people per square mile, spread across 11.6 square miles. The median age of residents is 26.7 years, which is younger than the national median of 38.9 years. The population is 49.2% female and 50.8% male.
Is Urbana expensive to live in?
Urbana has a cost of living roughly in line with the national average, with an index of 100 (baseline: 100). The median household income is $45,854, 39% below the national average of $75,149. The median home value is $186,300 (34% below the U.S. median). Renters pay a median of $951 per month, below the national average of $1,163. The home price-to-income ratio is 4.1x, indicating housing is reasonably affordable relative to local income levels.
Is Urbana safe?
Urbana is safer than the national average, with a violent crime rate of 295 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 2,590 per 100,000 (above 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 52°F (11°C). Winter temperatures average 26°F in January, while summers reach an average of 75°F in July. The area receives 275 sunny days per year, well above the national average of 205. Annual rainfall totals 40.9 inches, with 20.8 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in Urbana?
Urbana has a healthy job market with an unemployment rate of 3.4%, near the national average of 3.6%. The average weekly wage is $1,235. There are 4,160 business establishments in the area, including 590 restaurants and food service locations. The average commute time is 14 minutes, and 14.6% of workers work from home.
How much does housing cost in Urbana?
The median home value in Urbana is $186,300. Zillow estimates the typical home value at $196,716. For renters, the median monthly rent is $951. Fair market rent is $854 for a 1-bedroom and $1,063 for a 2-bedroom apartment. The homeownership rate is 34.7%. The average annual property tax is $7,971.
How are the schools in Urbana?
Schools in Urbana score 5.3 out of 10 on standardized testing, near the national average. 58.4% of adults in Urbana hold a bachelor's degree or higher, above the national average of 33.7%. 95.5% have completed high school. 35.0% hold a graduate or professional degree.
How healthy is Urbana?
The obesity rate in Urbana is 34.7% (above the national rate of 32.1%). 13.1% of adults are smokers. 22.6% are physically inactive. 21.5% of residents report depression. 8.1% lack health insurance. 88.1% of residents have access to exercise opportunities. The primary care physician ratio is 1:958.
What is transportation like in Urbana?
The average commute in Urbana is 14 minutes, shorter than the national average of 28 minutes. 51.8% of workers drive alone to work, 7.2% use public transit, and 14.6% work from home.
What are the demographics of Urbana?
The racial and ethnic makeup of Urbana is 59.2% White, 16.9% Black or African American, 0.6% Hispanic or Latino. 75.9% of residents speak only English at home, while 24.1% speak Spanish. 3.2% of the population are military veterans. 9.1% of residents have a disability. 95.5% have health insurance coverage.