Pros and Cons of Living in Urbana

Urbana's real pros and cons center on a genuine affordability/transit advantage weighed against a real, elevated tax burden and an honestly disclosed elevated crime rate.

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The real pros

Genuinely affordable average home values, fare-free MTD transit for UIUC-affiliated residents, a distinct Carle Foundation Hospital healthcare anchor, and a real, walkable historic downtown.

The real cons

A meaningfully elevated Champaign County property tax rate, a 9.0% combined sales tax, and a genuinely elevated citywide crime rate this record discloses honestly rather than softening.

Key takeaways

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Read the full Urbana overview for the complete picture -- housing, taxes, climate, and who this place genuinely fits.

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Last reviewed: 2026-08-25. Independent research; not financial, tax, or legal advice -- confirm current figures with a local professional before making a decision.