Median Income
$66,768
11% lower than US avg
Home Value
$147,300
48% lower than US avg
Violent Crime
133/100K
65% lower than US avg
Bachelor's+
17.5%
48% lower than US avg
Median Rent
$911
22% lower than US avg
Obesity Rate
44.4%
38% higher than US avg
Unemployment
4.6%
28% higher than US avg
Poverty Rate
8.9%
28% lower than US avg
How Urbana Compares to the U.S. Average (100% = U.S. avg)
People
Population11,153
Median Age38.0 yrs
Density1,341/mi²
Male / Female47% / 53%
Largest GroupWhite 88%
Veterans6.8%
Economy
B+
Median Income$66,768
Per Capita$34,221
Unemployment4.6%
Poverty8.9%
County GDP$1,680M
Commute21 min
Housing
A+
Home Value$147,300
Rent$911
Ownership59.4%
Zillow$197,186
Housing Units5,268
Rent Burden20.8%
Crime
F
Violent133/100K
Property2,432/100K
Murder0.0/100K
Assault44/100K
Burglary248/100K
Health
Obesity44.4%
Uninsured8.9%
Smoking18.1%
Depression27.4%
Heart Disease6.1%
Climate
Avg Temp51°F (11°C)
AQI43 (Good)
Rain44.0 in/yr
Sunny Days275/yr
Elevation1,040 ft (317 m)
Education
C
Bachelor's+17.5%
High School+90.0%
Graduate+3.8%
School Score5.75
Community
2024 VoteR 75% / D 24%
Commute21 min
Broadband88.0%
EV Stations2
Libraries5
Is Urbana a Good Place to Live?
Based on current data, Urbana receives an overall livability score of 3.1 out of 5.0, earning a grade of B. Key strengths include low crime rates, affordable housing, abundant sunshine, high health insurance coverage. 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 $66,768, 11% below the national average of $75,149. Unemployment stands at 4.6%, indicating a healthy job market. 8.9% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 21 minutes.
Cost of Living & Housing
The median home value in Urbana is $147,300, 48% below the national median / offering relatively affordable homeownership. Renters pay a median of $911 per month, below the national average / a plus for affordability. At just 2.2x 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 133 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 2,432 per 100,000, 24% above the national average.
Education
17.5% of residents hold a bachelor's degree, below the national average of 33.7%. 90.0% 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 51°F. Winters average 27°F in January while summers reach 74°F in July. With 275 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 44.0 inches. Air quality is rated Good with a median AQI of 43.
Urbana has a population of 11,153 with a density of 1,341 people per square mile, spread across 7.8 square miles. The median age is 38.0 years, 2% younger than the national median of 38.9. The gender split is 52.6% female and 47.4% male. The city is predominantly White (88.3%), with 4.8% Black. English is the primary language spoken at home by 99.3% of residents. 6.8% of the population are veterans. 16.2% of residents have a disability (above the 13.0% national average). 94.7% have health insurance coverage.
Population
38.0yrs
Median Age
2% below US avg
Language Spoken at Home
English Only
99.3%
26% above US avg
Spanish
0.7%
95% below US avg
The median household income in Urbana is $66,768, which is 11% below the national average of $75,149. Per capita income is $34,221 (below the $39,052 national figure). The average weekly wage is $1,001, 30% lower than the U.S. average. The unemployment rate is 4.6% (above the 3.6% US average). 8.9% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 747 business establishments, including 54 restaurants. The cost of living index is 92.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 21 minutes (shorter than the 28-minute US average). 6.9% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $66,768 |
| 11% below US avg |
| Per Capita Income | $34,221 |
| Avg Weekly Wage | $1,001 |
| IRS Avg AGI | $65,047 |
| Gini Index | 0.376 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 4.6% |
| 28% above US avg |
| Poverty Rate | 8.9% |
| 28% below US avg |
| Establishments (County) | 747 |
| County GDP | $1,680M |
Business (County)
| Restaurants | 54 |
| Healthcare | 47 |
| Retail | 73 |
| Manufacturing | 39 |
Tax & Cost of Living
| Property Tax (IRS) | $4,100 |
| 17% above US avg |
| Cost of Living | 92.80 (100=avg) |
| Effective Tax Rate | 2.78% |
Commute & Transportation
| Commute Time | 21.1 min |
| Drive Alone | 77.3% |
| Public Transit | 0.2% |
| Work from Home | 6.9% |
The median home value in Urbana is $147,300, 48% below the national median of $281,900. Zillow estimates the typical home value at $197,186, higher than the Census estimate. Homes sell for 96.9% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $911 (22% below the national average of $1,163). Fair market rent ranges from $873 for a one-bedroom to $1,092 for a two-bedroom apartment. 59.4% of housing units are owner-occupied. There are 5,268 total housing units in the city. The median year a home was built is 1957. The average annual property tax is $4,100 (higher than the $3,500 national average). 20.8% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.2x, well within the affordable range.
Home Values
| Census Median | $147,300 |
| 48% below US avg |
| Zillow ZHVI | $197,186 |
| Median List Price | $244,000 |
Real Estate Market (Redfin)
| Median List Price | $244,000 |
| $/Sq Ft | $133 |
| Homes Sold | 8 |
| Sale-to-List Ratio | 96.9% |
| Price Drops | 17.7% |
| Inventory | 34 |
Rental Costs
| Census Median Rent | $911 |
| 22% below US avg |
| Zillow Rent (ZORI) | $950 |
| Rent Burden | 20.8% |
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $873 |
| 2 Bedrooms | $1,092 |
| 3 Bedrooms | $1,388 |
| 4 Bedrooms | $1,550 |
Ownership & Property
| Homeownership | 59.4% |
| Owner-Occupied | 59.4% |
| Renter-Occupied | 40.6% |
| Housing Units | 5,268 |
| Median Year Built | 1957 |
Property Tax
| Avg Tax (IRS) | $4,100 |
| 17% above US avg |
| Effective Rate | 2.78% |
In Urbana, 44.4% of adults are obese, above the national rate of 32.1%. 10.9% have diabetes. Heart disease affects 6.1% of residents. 33.8% have high blood pressure. 18.1% are current smokers (above the 14.0% national rate). 18.0% report binge drinking. 27.7% are physically inactive. 27.4% report depression (above the 20.0% national average). 20.0% experience frequent mental distress. 8.9% of residents lack health insurance. The primary care physician ratio is 1:6,450. The dentist ratio is 1:2,978. 51.7% of residents have access to exercise opportunities. The food environment index is 8.5 out of 10.
Air Quality (Open-Meteo CAMS — 2026-05-26)
PM2.5
9.2
μg/m³
Fine particulate
PM10
9.7
μg/m³
Coarse particulate
NO₂
5.5
μg/m³
Nitrogen dioxide
SO₂
1.1
μg/m³
Sulphur dioxide
CO
171.0
μg/m³
Carbon monoxide
Health Metrics: Urbana vs U.S. Average (%)
Chronic Conditions
| Obesity | 44.4% |
| 38% above US avg |
| Diabetes | 10.9% |
| Heart Disease | 6.1% |
| High Blood Pressure | 33.8% |
| Asthma | 11.6% |
| COPD | 7.7% |
| Cancer | 7.5% |
| Stroke | 3.1% |
Behaviors & Mental Health
| Smoking | 18.1% |
| 29% above US avg |
| Binge Drinking | 18.0% |
| Physical Inactivity | 27.7% |
| Depression | 27.4% |
| Mental Distress | 20.0% |
| Physical Distress | 14.2% |
| Short Sleep | 44.3% |
Healthcare Access
| Insurance Rate | 94.7% |
| Uninsured | 8.9% |
| 3% above US avg |
| Primary Care | 1:6,450 |
| Dentists | 1:2,978 |
| Mental Health | 1:903 |
| Checkup Rate | 76.9% |
| Dental Visits | 58.2% |
| Premature Death | 8,612/100K |
Food & Exercise
| Food Environment | 8.5/10 |
| Exercise Access | 51.7% |
| Healthcare Facilities | 47 |
Urbana has a violent crime rate of 133 per 100,000 residents, 65% below the national average of 380. This breaks down to aggravated assault at 44.2 per 100,000, robbery at 17.7, rape at 70.7. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 2,432 per 100,000, 24% above the U.S. average. This includes larceny/theft at 2,096, burglary at 248, vehicle theft at 88 per 100,000 residents. The county recorded 5 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 | 132.6/100K |
| 65% below US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 70.7/100K |
| Robbery | 17.7/100K |
| Assault | 44.2/100K |
Property Crime
| Total Property | 2,431.7/100K |
| 24% above US avg |
| Burglary | 247.6/100K |
| Theft | 2,095.7/100K |
| Vehicle Theft | 88.4/100K |
| Arson | 61.9/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 5 |
| Traffic Accidents | 29 |
| Avg Accident Severity | 2.3 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Urbana experiences four distinct seasons with an average annual temperature of 51°F (11°C). Winters average 27°F in January while summers reach 74°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 44.0 inches. Air quality is rated Good with a median AQI of 43. The city sits at an elevation of 1,040 feet.
Temperature
27°F Jan (-3°C)
74°F Jul (23°C)
| Annual Average | 51.2°F |
| 5% below US avg |
| January Average | 27°F (-3°C) |
| July Average | 74°F (23°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 1,040 ft (317 m) |
| Area | 7.8 sq mi (20.2 km²) |
| Population Density | 1,341/sq mi |
| Coordinates | 40.1091°N, 83.7550°W |
| Timezone | America/New_York |
| County | Champaign County County |
| Nearest Airport | James M Cox Dayton International (DAY) 28 miles away |
Precipitation & Snow
Annual Rainfall
44.0"
16% above US avg
Wettest Month (Jul)
4.49"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 26.8 / 100 |
| Social Vulnerability | 19.8 / 100 |
| Community Resilience | 82.4 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
10 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.6. Most recent: M3.4 on May 24, 2017.
| Feb 19, 1995 |
8 km SSE of Rocky Fork Point, Ohio |
M3.6 |
113 km |
| May 24, 2017 |
1 km S of McArthur, Ohio |
M3.4 |
147 km |
| Apr 17, 1990 |
8 km NW of Fort Recovery, Ohio |
M3.0 |
101 km |
| Apr 4, 1994 |
2 km WNW of Minster, Ohio |
M2.9 |
64 km |
| May 12, 2006 |
2 km E of Lima, Ohio |
M2.8 |
75 km |
| Mar 17, 1999 |
2 km NNE of Ripley, Ohio |
M2.8 |
150 km |
| May 14, 2010 |
1 km ENE of Gibsonburg, Ohio |
M2.7 |
148 km |
| Jun 12, 2015 |
6 km NW of Convoy, Ohio |
M2.6 |
127 km |
| Feb 11, 2015 |
8 km SE of Richmond Dale, Ohio |
M2.6 |
138 km |
| Jan 30, 2004 |
2 km S of Rockford, Ohio |
M2.5 |
98 km |
| Jun 4, 1990 |
4 km SSE of Van Buren, Ohio |
M2.5 |
110 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
507 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 70 fatalities, 2,130 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 3, 1974 |
EF5 |
59 km |
36 |
| May 27, 2019 |
EF4 |
68 km |
0 |
| Sep 20, 2000 |
EF4 |
55 km |
1 |
| Feb 18, 1992 |
EF4 |
98 km |
0 |
| Apr 11, 1965 |
EF4 |
59 km |
3 |
| Apr 11, 1965 |
EF4 |
86 km |
13 |
| Mar 14, 2024 |
EF3 |
57 km |
3 |
| May 27, 2019 |
EF3 |
93 km |
1 |
| May 27, 2019 |
EF3 |
63 km |
0 |
| May 27, 2019 |
EF3 |
48 km |
0 |
| May 14, 2014 |
EF3 |
48 km |
0 |
| Nov 10, 2002 |
EF3 |
32 km |
0 |
| Oct 24, 2001 |
EF3 |
95 km |
0 |
| Oct 13, 1999 |
EF3 |
87 km |
0 |
| Nov 22, 1992 |
EF3 |
92 km |
0 |
| May 31, 1985 |
EF3 |
88 km |
1 |
| Jun 13, 1981 |
EF3 |
85 km |
4 |
| May 10, 1973 |
EF3 |
15 km |
0 |
| Jun 2, 1971 |
EF3 |
93 km |
0 |
| May 24, 1971 |
EF3 |
44 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
27°F (-3°C) |
2.2 in |
Coldest |
| February |
29°F (-2°C) |
2.1 in |
Driest |
| March |
39°F (4°C) |
3.0 in |
|
| April |
50°F (10°C) |
3.6 in |
|
| May |
60°F (16°C) |
4.3 in |
|
| June |
69°F (21°C) |
4.0 in |
|
| July |
74°F (23°C) |
4.5 in |
Warmest, Wettest |
| August |
71°F (22°C) |
3.5 in |
|
| September |
65°F (18°C) |
3.0 in |
|
| October |
53°F (12°C) |
2.7 in |
|
| November |
42°F (6°C) |
3.1 in |
|
| December |
32°F (-0°C) |
2.8 in |
|
Urbana has a seasonal temperature swing of 46°F / from 27°F in January to 74°F in July. Total annual precipitation is 38.7 inches, with July being the wettest month (4.5") and February the driest (2.1").
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) |
$232 ($139–$371) |
| Specialist Visit |
$325 ($186–$510) |
| Urgent Care Visit |
$186 ($93–$325) |
| Emergency Room Visit |
$2,042 ($742–$4,640) |
| Dental Cleaning |
$121 ($70–$186) |
| Dental Filling |
$232 ($139–$371) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$42 ($23–$70) |
| Oil Change (Synthetic) |
$70 ($46–$111) |
| Brake Pad Replacement |
$278 ($139–$464) |
| Tire Rotation |
$37 ($19–$70) |
| New Tires (Set of 4) |
$557 ($371–$928) |
| Battery Replacement |
$186 ($93–$325) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$93 ($56–$139) |
| Electrician (Per Hour) |
$84 ($46–$130) |
| HVAC Repair |
$371 ($139–$742) |
| HVAC System Install |
$6,496 ($3,712–$11,136) |
| Roof Repair |
$928 ($371–$1,856) |
| Roof Replacement |
$8,352 ($5,104–$13,920) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,392 ($464–$3,248) |
| Divorce (Contested) |
$13,920 ($4,640–$27,840) |
| DUI Defense |
$4,640 ($1,856–$9,280) |
| Bankruptcy (Chapter 7) |
$1,392 ($742–$2,784) |
| Will Preparation |
$464 ($186–$928) |
| Trust Preparation |
$2,320 ($928–$4,640) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$42) |
| Women's Haircut |
$51 ($28–$93) |
| Hair Coloring (Full) |
$139 ($70–$232) |
| Manicure |
$23 ($14–$42) |
| Pedicure |
$37 ($23–$60) |
| Massage (1 Hour) |
$74 ($46–$121) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.80 ($2.78–$5.10) |
| Dozen Eggs (per dozen) |
$3.25 ($2.32–$4.64) |
| Loaf of Bread |
$3.53 ($2.32–$5.10) |
| Chicken Breast (per lb) |
$4.18 ($2.78–$6.03) |
| Ground Beef (per lb) |
$5.10 ($3.71–$6.96) |
| Rice (per lb) |
$0.93 ($0.56–$1.67) |
View all 20 services
Utilities
| Electricity (Monthly) |
$130 ($74–$232) |
| Natural Gas (Monthly) |
$65 ($28–$139) |
| Water/Sewer (Monthly) |
$65 ($37–$111) |
| Internet (Monthly) |
$65 ($37–$93) |
| Cell Phone Plan (Monthly) |
$60 ($28–$93) |
| Cable TV (Monthly) |
$79 ($46–$139) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$186 ($70–$464) |
| Car Insurance (Annual) |
$1,856 ($1,114–$3,248) |
| Bus Pass (Monthly) |
$65 ($28–$121) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.42–$23) |
| Car Registration (Annual) |
$93 ($28–$232) |
| Driver's License Renewal |
$28 ($14–$70) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,114 ($557–$2,320) |
| Daycare (Toddler, Monthly) |
$928 ($464–$1,856) |
| After-School Care (Monthly) |
$371 ($186–$650) |
| Tutoring (Per Hour) |
$46 ($23–$93) |
| SAT/ACT Prep Course |
$928 ($371–$2,320) |
| Private School (K-12, Annual) |
$11,600 ($4,640–$27,840) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$56 ($28–$93) |
| Dog Vaccination (Annual) |
$93 ($46–$186) |
| Dog Grooming |
$56 ($28–$93) |
| Pet Boarding (Per Night) |
$37 ($19–$70) |
| Dog Spay/Neuter |
$278 ($139–$464) |
| Cat Spay/Neuter |
$186 ($93–$371) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $751 |
| Toddler | $693 |
| Preschool | $615 |
| Family Childcare (monthly) |
| Infant | $671 |
| Toddler | $660 |
| Preschool | $610 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Urbana
What is the population of Urbana?
Urbana has a population of 11,153 residents and is located in Ohio. The population density is 1,341 people per square mile, spread across 7.8 square miles. The median age of residents is 38.0 years. The population is 52.6% female and 47.4% male.
Is Urbana expensive to live in?
Urbana is more affordable than the national average, with a cost of living index of 92.8 / below the baseline of 100. The median household income is $66,768, 11% below the national average of $75,149. The median home value is $147,300 (48% below the U.S. median). Renters pay a median of $911 per month, below the national average of $1,163. The home price-to-income ratio is 2.2x, 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 133 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 2,432 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 51°F (11°C). Winter temperatures average 27°F in January, while summers reach an average of 74°F in July. The area receives 275 sunny days per year, well above the national average of 205. Annual rainfall totals 44.0 inches. 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 4.6%, near the national average of 3.6%. The average weekly wage is $1,001. There are 747 business establishments in the area, including 54 restaurants and food service locations. The average commute time is 21 minutes, and 6.9% of workers work from home.
How much does housing cost in Urbana?
The median home value in Urbana is $147,300. Zillow estimates the typical home value at $197,186. For renters, the median monthly rent is $911. Fair market rent is $873 for a 1-bedroom and $1,092 for a 2-bedroom apartment. The homeownership rate is 59.4%. The average annual property tax is $4,100.
How are the schools in Urbana?
Schools in Urbana score 5.7 out of 10 on standardized testing, near the national average. 17.5% of adults in Urbana hold a bachelor's degree or higher, below the national average of 33.7%. 90.0% have completed high school. 3.8% hold a graduate or professional degree.
How healthy is Urbana?
The obesity rate in Urbana is 44.4% (above the national rate of 32.1%). 18.1% of adults are smokers. 27.7% are physically inactive. 27.4% of residents report depression. 8.9% lack health insurance. 51.7% of residents have access to exercise opportunities. The primary care physician ratio is 1:6,450.
What is transportation like in Urbana?
The average commute in Urbana is 21 minutes, shorter than the national average of 28 minutes. 77.3% of workers drive alone to work, and 6.9% work from home.
What are the demographics of Urbana?
The racial and ethnic makeup of Urbana is 88.3% White, 4.8% Black or African American, 0.9% Hispanic or Latino. 99.3% of residents speak only English at home. 6.8% of the population are military veterans. 16.2% of residents have a disability. 94.7% have health insurance coverage.