Taxes in Champaign, Illinois
Complete tax guide for Champaign, IL. State income tax up to 4.95%, 2.15% property tax, 9% sales tax. Calculate your total tax burden.
State Income Tax
4.95%
Illinois
Property Tax
2.15%
Effective rate
Sales Tax
9%
Combined rate
Tax Burden
High
Champaign, IL Tax Overview
University of Illinois
Population
88,302
Median Income
$42,618
Cost of Living
88.5 (100 = avg)
State Income Tax
4.95%
Median Home Price
$190,000
Champaign Tax Calculator
Pre-filled with Champaign median: $42,618
Total Tax Burden in Champaign
$8,446
Take-Home: $34,172 · Effective Rate: 19.82%
Federal Tax
$3,076
7.22% eff.
IL State
$2,110
4.95% eff.
FICA
$3,260
7.65% eff.
Take-Home
$34,172
80.18% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $42,618.00 | $3,551.50 |
| Federal Income Tax | -$3,075.66 | -$256.31 |
| Illinois State Tax | -$2,109.59 | -$175.80 |
| Social Security (6.2%) | -$2,642.32 | -$220.19 |
| Medicare (1.45%) | -$617.96 | -$51.50 |
| Take-Home Pay | $34,172.47 | $2,847.71 |
Property Tax in Champaign
Median Home
$190,000
Annual Tax
$4,085
Monthly Tax
$340
Effective Rate
2.15%
Sales Tax in Champaign
Combined Rate
9%
State Portion
~6.5%
Local Portion
~2.5%
The combined sales tax rate in Champaign is 9%, which is above the national average of 7.12%. On a $100 purchase, you would pay $9.00 in sales tax.
Tax Burden Comparison
| Tax Type | Champaign | Illinois Avg | National Avg |
|---|---|---|---|
| Income Tax | 4.95% | 4.95% | 4.6% |
| Property Tax | 2.15% | ~2.15% | 1.1% |
| Sales Tax | 9% | ~9% | 7.12% |
| Overall Burden | High | — | Moderate |
Tax Saving Tips for Champaign Residents
- Illinois's income tax rate of 4.95% is competitive. You may still benefit from maximizing 401(k) contributions ($23,500 limit) to reduce your taxable income at both state and federal levels.
- Property tax in Champaign (2.15%) is above the national average. Check if you qualify for homestead exemptions or assessment appeals to reduce your property tax bill.
- The combined sales tax rate of 9% is relatively high. Consider making large purchases in lower-tax jurisdictions or online retailers that do not charge local tax rates.
- Use a Health Savings Account (HSA) if eligible. Contributions are tax-deductible ($4,300 individual, $8,550 family), growth is tax-free, and withdrawals for medical expenses are tax-free.
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ModerateCalculate Your Full Illinois Tax Burden
See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in Champaign, IL?
Champaign, Illinois has a state income tax rate up to 4.95%. The property tax rate is 2.15% and the combined sales tax rate is 9%. University of Illinois
How much is property tax in Champaign?
The effective property tax rate in Champaign is 2.15%. On the median home price of $190,000, this equals approximately $4,085 per year or $340 per month. This is above the national average of 1.1%.
What is the sales tax rate in Champaign?
The combined sales tax rate in Champaign is 9%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does Champaign's tax burden compare to other cities?
Champaign has a high overall tax burden. The effective total tax rate for a median-income household is approximately 30.7%. The combination of 4.95% state income tax, 2.15% property tax, and 9% sales tax determines the total burden. Cost of living index is 88.5 (100 = national average).
Are there any local taxes in Champaign?
Champaign does not impose a separate local or city income tax. Residents pay the state income tax of 4.95%, federal income tax, and FICA (Social Security and Medicare). University of Illinois