Measured against area pay, Cunningham Township costs more to live in than 66% of U.S. towns
It ranks #458 of 768 in Illinois for affordability. Home prices around Cunningham Township have risen about 57% over the past 5 years.
Census 2020–24 home values, rents, tax bills and cost burden, measured against the median household income of the Champaign-Urbana, IL metro area ($66K). How TownRatings grades cost of living
The grade compares costs with what households across the Champaign metro earn ($66K, Census 2020–24). Even so, the typical home costs 2.8 years of metro income, and 58% of renters pay 30% or more of income for housing.
In dollars
- $1,090a month for a two-bedroom, utilities includedHUD Fair Market Rent, 2026
- 93prices across the Champaign metro, where the U.S. is 100 (housing 72)BEA Regional Price Parities, 2024
In paychecks the grade
- 2.8 yrsof area income buys the typical home; the typical U.S. town: 3.3$66K, Champaign-area income
- 18%of area income goes to the median rent; the typical U.S. town: 18%Census 2020–24
- 58%of renters pay 30%+ of income for housing; across Illinois: 48%Census 2020–24
- 19%of owners do; the typical U.S. town: 20%Census 2020–24
What Cunningham Township’s housing numbers say
Most Cunningham Township households rent
63% of households rent their home, 9,402 in all, against 33% across Illinois. Renting ↓
About half of renters are stretched
58% of renter households spend 30% or more of their income on rent, against 48% across Illinois. A standard two-bedroom would take 29% of the median household income. Renting ↓
Written from the data on this page. There’s no Zillow index for Cunningham Township, so the typical value is an estimate: the Census median carried forward with the federal house price index; incomes, rents paid, taxes and ownership come from the Census American Community Survey.
What’s behind Cunningham Township’s grade
Measured against what households in the area earn, Cunningham Township is more affordable than 34% of U.S. towns, #458 of 768 in Illinois. Property tax pulls the grade down most; home prices hold it up.
36% of residents are college students, whose low reported incomes push up the share paying 30%+ for housing, so the grade leaves that input out.
Home prices up 57% in 5 years
The federal house price index for the ZIP codes around Cunningham Township rose 57% over the past 5 years, faster than across Illinois (47%). Last year prices rose 6.4%. Carrying the Census median home value forward with that index puts the typical Cunningham Township home at roughly $231,000 today.
Carrying the Census median forward with the index puts a typical home at about $231K.
Federal Housing Finance Agency House Price Index (annual) for the ZIP codes around Cunningham Township, weighted by land area. It tracks repeat sales of the same homes, so it shows how prices changed, not what homes cost.
A typical home costs 2.8 years of area income
The calculator starts from the area income the grade uses. Switch to Cunningham Township’s own median, or type yours.
That’s $19K short of a typical Cunningham Township home.
A two-bedroom rents for about $1,090 a month here, $590 less than owning.
An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, Cunningham Township’s typical property tax (2.43% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.
A two-bedroom rents for about $1,090
Renters already here pay a median of $972, so moving in tends to cost more than staying put.
Fair Market Rent a month, utilities included
U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Champaign-Urbana, IL HUD Metro FMR Area): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.
Low tax bills, but a high tax rate
The median bill is $4,491, under the Illinois median of $5,298, because homes cost less. As a share of value it’s 2.43% a year, against 2.01% statewide.
Census American Community Survey 2020–24: the median real-estate tax bill homeowners report, and that bill ÷ the median home value. Bills include town, school and county taxes. The Census reports bills over $10,000 only as “$10,000+”.
The rest of a budget near Cunningham Township
Only figures published free for the whole country, each labeled with the area it covers: the Champaign-Urbana, IL metro area, or Illinois. Groceries follow the goods price level; nobody publishes them town by town.
| Cost | Here | Compared with | Area | Source |
|---|---|---|---|---|
| Prices overall U.S. = 100 | 93 | IL 100 | metro | BEA, 2024 |
| Goods (groceries, clothing, cars…) U.S. = 100 | 94 | IL 104 | metro | BEA, 2024 |
| Utilities U.S. = 100 | 90 | IL 85 | metro | BEA, 2024 |
| Other services U.S. = 100 | 100 | IL 100 | metro | BEA, 2024 |
Price levels: U.S. Bureau of Economic Analysis, Regional Price Parities 2024 (metro area and state). Electricity: U.S. Energy Information Administration, Electric Power Monthly, table 5.6.A.
Cunningham Township vs. its neighbors
Zillow publishes no value for Cunningham Township. Somer Township and Champaign City Township and Urbana Township have no Zillow value, so they are in the table only.
Cost next door · one source per column
| Town | Cost | Typical home Zillow, latest | Median value Census 2020–24 | Tax rate bill ÷ value | 2-bed rent HUD 2026 |
|---|---|---|---|---|---|
| Cunningham Township | C | — | $185K | 2.43% | $1,090 |
| Urbana | C | $205K | $185K | 2.43% | $1,090 |
| Urbana Township | B | — | $91K | 2.13% | $1,120 |
| Somer Township | – | — | $278K | 1.60% | $1,200 |
| Champaign | C− | $236K | $211K | 2.20% | $1,310 |
| Champaign City Township | C− | — | $211K | 2.20% | $1,310 |
“—” under Zillow: Zillow publishes no value for that town, so it’s left blank rather than mixed with Census figures. “—” under Cost: not graded (too little Census data, or under 1,000 residents).
Questions about the cost of living in Cunningham Township
Is Cunningham Township expensive to live in?
Measured against what households in the area earn, Cunningham Township costs more than 66% of U.S. towns: a C for cost of living, #458 of 768 in Illinois. The typical home costs 2.8 years of the median household income of the Champaign-Urbana, IL metro area ($66K).
How much is rent in Cunningham Township?
HUD puts a two-bedroom at about $1,090 a month with utilities, the going rate for someone moving in. Renters already here pay a median of $972 (Census 2020–24).
What are property taxes in Cunningham Township?
The median bill is $4,491 a year, 2.43% of the median home value (Illinois: $5,298, 2.01%), from the Census 2020–24.
Neighbors talk housing
What Cunningham Township buyers, sellers and renters are saying.
Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. Price trend: Federal Housing Finance Agency House Price Index. Fair Market Rents: U.S. Department of Housing and Urban Development. The calculator is an estimate, not a loan offer. Regional price levels: BEA; electricity: EIA. How TownRatings grades cost of living.