countyscore
49.2
County Score
Lawn Care 81.1Soil Quality 79.8Income & Jobs 76.2

County Report Card

About Champaign County, Ohio

Champaign County Matches National Trends

Champaign County earns a composite score of 49.2, sitting just a fraction below the national median of 50.0. It offers a lifestyle that aligns closely with the typical American experience.

Leading the Ohio Average

With a score of 49.2, the county edges out the Ohio state average of 48.6. It remains a competitive choice for those looking to stay within the Buckeye State.

High Income and Resilient Environment

The county boasts a strong income score of 76.2, anchored by a median household income of $74,239. It also manages environmental hazards well, earning a risk score of 73.3.

Navigating Tax and Housing Costs

Lower scores in tax (35.2) and cost (39.7) indicate that affordability is a growing concern for residents. While income is high, a larger portion of it goes toward local property taxes and housing.

Balanced Stability for Middle-Class Families

This county is ideal for established families who have solid earnings and want a safe, low-risk environment. It provides a reliable balance of economic opportunity and physical security.

2040608010035.239.745.76248.776.273.361.555.3Tax35.2Cost39.7Safety45.7Health62Schools48.7Income76.2Risk73.3Water61.5Weather55.349.2/100
This county
National avg
3 above average1 below average

Champaign County DNA

Foverall

How Champaign County compares to the national average across 9 dimensions

Champaign County is a tale of two counties — exceptional in Disaster Risk (73.3/100) but notably weak in Property Tax (35.2/100). This polarized profile creates distinct trade-offs for residents.

Dimension Breakdown

Tax
35.2-16.799999999999997
Cost
39.7-8.299999999999997
Safety
45.7-9.299999999999997
Health
62+12
Schools
48.7
Income
76.2+25.200000000000003
Risk
73.3+26.299999999999997
Water
61.5
Weather
55.3
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Think property taxes are too high in Champaign County?

Many homeowners in Champaign County pay more than they should. A professional appeal could save you hundreds per year.

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Can You Afford to Live Here?

Median Home Price

$186,300

National median: $174,650

Median Rent

$884/mo

National median: $854/mo

Income Needed (home)

$186,300/yr

28% front-end rule

Income Needed (rent)

$35,360/yr

30% rent rule

Affordability Spectrum2.5x income
AffordableNational avgExpensive
Local median income: $74,239/yr
Compare Mortgage Rates

Economic & Education Snapshot

Primary Care

5.2

per 100K

Data from Federal Reserve (FRED), U.S. Department of Education College Scorecard, and CMS NPPES.

Explore this county

Property Taxtaxbycounty.comCost of Livingcostbycounty.comIncome & Jobsincomebycounty.comSafetycrimebycounty.comHealthhealthbycounty.comSchoolsschoolsbycounty.comDisaster Riskriskbycounty.comWater Qualitywaterbycounty.comWeather & Climateweatherbycounty.comSoil Qualitysoilbycounty.comLawn Carelawnbycounty.comFarmers Marketsmarketsbycounty.comView on Mapcountyscore.com/map
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Nearby counties

Logan County
Ohio
56
Clark County
Ohio
32.3
Union County
Ohio
49.6
Madison County
Ohio
47.8
Miami County
Ohio
45.8
Shelby County
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47.9
Greene County
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37.9
Hardin County
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50.9

Deep Dives

Champaign County across the ByCounty Network

Detailed analysis from 11 data dimensions — each powered by a dedicated ByCounty site.

Property Tax in Champaign County

via TaxByCounty

Champaign County below national average

Champaign County's effective tax rate of 1.040% falls below the national median of 0.84%, positioning the county near the 45th percentile nationally. The median property tax of $1,938 trails the national median of $2,690, offering a modest advantage for homeowners.

Slightly below Ohio's statewide average

Champaign County's effective rate of 1.040% sits just below Ohio's state average of 1.148%, marking it among the more affordable counties. The median tax bill of $1,938 falls roughly $200 shy of the state median of $2,145.

Competitive with nearby central Ohio

Champaign County's 1.040% rate places it squarely in the middle of central and western Ohio's tax landscape, slightly higher than Clinton County at 0.942% but lower than Clark County at 1.246%. Butler County to the southwest carries a noticeably steeper 1.239% burden.

What $186.3K home costs annually

A homeowner with a median-valued property of $186,300 in Champaign County pays approximately $1,938 per year in property taxes. The amount remains relatively stable whether financed with a mortgage or owned outright, at roughly $1,931 to $1,947.

Review assessment accuracy yearly

Property values in Champaign County fluctuate, and assessments don't always keep pace with market conditions. Homeowners should compare their assessed value to recent comparable sales and file an appeal if significantly overvalued.

Full property tax analysis on TaxByCounty

Cost of Living in Champaign County

via CostByCounty

Champaign County offers national affordability advantage

Champaign County's 14.3% rent-to-income ratio ranks among the strongest nationally, beating the U.S. affordability threshold of 15% by a comfortable margin. With a median household income nearly identical to the national average at $74,239, Champaign delivers housing relief that most American counties cannot match.

One of Ohio's most livable housing markets

Champaign's 14.3% rent-to-income ratio edges out Ohio's state average of 15.6%, positioning it as a genuinely affordable option within a competitive state housing market. At $884 monthly, median rent sits just 1% above Ohio's state average despite the county's strong income-to-cost balance.

Balanced affordability among peer counties

Champaign County's $884 median rent and 14.3% ratio place it squarely in the middle of regional comparables like Clinton County ($893 rent, 15.7% ratio) and Carroll County ($780 rent, 14.5% ratio). The county offers a sweet spot for families seeking moderate housing costs without sacrificing community resources.

14.3% of income covers housing costs

Typical Champaign County renters spend $884 monthly on a median household income of $74,239, keeping housing within the comfortable affordability zone. Homeowners carry mortgage costs around $953, while median home values of $186,300 remain accessible for middle-income buyers.

Champaign offers balanced relocation economics

If you earn near the $74,239 county median, Champaign's 14.3% rent-to-income ratio provides genuine breathing room compared to national averages. Test your own income against Champaign's costs: at $884 rent, you'd need roughly $74,000 annually to stay within the affordable 15% threshold.

Full cost of living analysis on CostByCounty

Income & Jobs in Champaign County

via IncomeByCounty

Champaign matches national average

Champaign County's median household income of $74,239 virtually matches the national median of $74,755, placing it squarely at the 50th percentile of U.S. counties. This parity reflects a diversified local economy balancing agriculture, light manufacturing, and services.

Middle of Ohio's pack

At $74,239, Champaign County runs 9.0% above Ohio's county average of $68,101, positioning it in the upper-middle tier of the state. This standing suggests stronger-than-average economic stability within Ohio.

Solid performer regionally

Champaign's $74,239 exceeds Carroll County ($64,675) to the south and Clinton County ($68,125) but lags neighboring Butler ($81,194) and Clermont ($83,178). Within its peer group, Champaign holds steady as a middle-income anchor.

Low housing burden

Champaign County's rent-to-income ratio of 14.3% is among the lowest in the state, and median home values of $186,300 remain affordable for median-income households. Housing costs consume a healthy portion of the county budget.

Solid foundation for savings

With national-average household income and below-average housing costs, Champaign residents can redirect savings to retirement accounts and investment portfolios. Building a 6-month emergency fund and contributing to 401(k)s are realistic first steps.

Full income & jobs analysis on IncomeByCounty

Safety in Champaign County

via CrimeByCounty

Strong safety ratings for Champaign County

Champaign County achieves a safety score of 98.1, outperforming the national benchmark. Its total crime rate of 1216.6 per 100K is roughly half of the national average of 2,385.5.

Leading the state average in security

The county's safety score of 98.1 exceeds the Ohio state average of 97.8. Local law enforcement maintains a total crime rate that is lower than the statewide average of 1412.3 per 100K.

Significant safety advantage over Clark County

Champaign County is much safer than neighboring Clark County, where the crime rate reaches 2994.6 per 100K. It also maintains a slight edge over nearby Clinton County.

Property crimes outnumber violent incidents

Violent crime occurs at a rate of 178.2 per 100K, while property crime is more common at 1038.4. Residents should be most mindful of protecting physical assets and personal property.

Focus on deterring property-related crime

Investing in outdoor lighting and alarm systems addresses the county's primary crime category. Simple preventative measures keep this high safety score stable for all residents.

Full safety analysis on CrimeByCounty

Schools in Champaign County

via SchoolsByCounty

Champaign's Balanced Public School System

Champaign County supports 6,394 students through a balanced network of 15 public schools divided among five districts. The infrastructure is perfectly split with five elementary, five middle, and five high schools across the county. This structure ensures a consistent educational path for students from kindergarten through graduation.

Academic Excellence in Rural Ohio

The county boasts an impressive 88.6% graduation rate, exceeding both the state average of 88.3% and the national average of 87.0%. While per-pupil spending of $7,633 is lower than the state and national averages, the results remain strong. The county's school score of 54.2 reflects a solid educational foundation for local residents.

Spotlight on Urbana and Graham Districts

Urbana City is the largest district, serving 1,854 students across three schools, followed closely by Graham Local with 1,665 students. These traditional districts manage all public education in the county, as there are no charter schools currently operating. Smaller districts like Mechanicsburg Exempted Village also contribute to the local academic landscape.

Rural Roots and Community Schools

Nearly all schools in Champaign County are classified as rural, creating a consistent community-driven atmosphere for students. The average school size is 426 students, making for manageable and familiar learning environments. Urbana Elementary School is the largest facility in the county, currently enrolling 871 students.

Investing in Champaign County Education

Homebuyers in Champaign County benefit from high graduation rates and a stable, rural school environment. Whether looking in Urbana or the surrounding countryside, school quality is a key factor in local home values. We invite you to explore housing options near these high-performing rural schools.

Full schools analysis on SchoolsByCounty

Disaster Risk in Champaign County

via RiskByCounty

Champaign County has minimal natural disaster risk

Champaign County's composite risk score of 26.75 places it well below national averages, earning a "Very Low" disaster risk rating. This indicates substantially reduced exposure to the natural hazards that threaten many other American communities.

One of Ohio's safest counties

Champaign County scores 26.75 against Ohio's state average of 55.03, ranking it among the state's lowest-risk counties. Residents benefit from natural geographic and climatic factors that minimize exposure to multiple hazard types.

Safer than nearby Clinton County

Champaign County's score of 26.75 edges out Clinton County's 34.00, making it one of the region's safest communities. Both counties enjoy significantly lower risk than Ohio's state average.

Tornado and earthquake pose limited threats

Tornado risk (46.37) and earthquake risk (56.23) are Champaign County's highest hazards, but both remain well below statewide medians. Wildfire risk is exceptionally low at just 3.37, reflecting the county's geography and land use.

Basic homeowner's coverage meets most needs

Champaign County's low overall risk means standard homeowner's insurance provides reliable protection for most properties. Residents should still maintain a basic emergency preparedness kit and know local weather alert procedures.

Full disaster risk analysis on RiskByCounty

Water Quality in Champaign County

via WaterByCounty

Drinking Water Compliance Beats State Average

Champaign County holds a Grade C with one health violation recorded in the past five years. Its violation rate of 5.4 per 100,000 people is significantly lower than the Ohio average of 32.9. Most residents receive water that consistently meets federal safety thresholds.

Watershed Assessments Show Clean Local Streams

Seven water bodies were assessed in the 2022 reporting cycle, and all were found to be in full attainment. This 0.0% impairment rate suggests that local land use is not currently degrading the chemical or biological health of monitored streams. No major impairment causes were flagged by the EPA.

Monitoring Focuses Heavily on Organic Compounds

There are 37 monitoring sites in the county which have generated ,3366 measurements over the last five years. Uniquely, the most-measured groups include organics and pesticides, reflecting a focus on agricultural runoff. This data is critical for ensuring that farming practices do not impact long-term water safety.

Mad River Flows Near Three-Quarters of Normal

Current discharge at the Mad River near Urbana is 123 cfs, which is 74% of its historical mean. This lower volume is consistent with regional trends across western Ohio. Sustained low flows can increase the concentration of any pollutants entering the waterway.

Stay Vigilant About Pesticide Runoff

Since monitoring in Champaign County focuses heavily on pesticides, rural residents should periodically test private wells for these compounds. While the watershed health is currently rated as clean, the one recent health violation suggests keeping an eye on utility alerts. Practice responsible fertilizer use to help maintain the county's current 0% impairment rate.

Full water quality analysis on WaterByCounty

Weather & Climate in Champaign County

via WeatherByCounty

Balanced Midwestern Temperatures

Champaign County averages 51.2°F annually, sitting just below the national median for temperate zones. It represents a classic humid continental climate with four distinct seasons.

Slightly Cooler Than State Norms

At 51.2°F, the county is slightly cooler than the Ohio state average of 51.5°F. However, its 42.4 inches of annual precipitation makes it wetter than the state average of 41.2 inches.

Cooler Than Southern Neighbors

Champaign maintains a cooler profile than nearby Butler County, which averages 53.7°F. It closely mirrors Crawford County’s temperature but sees fewer extreme heat days than the counties to its immediate south.

Moderate Summers and Brisk Winters

July brings an average high of 73.5°F with only 17 days reaching the 90°F mark. Winters are chilly, with January temperatures averaging 27.2°F and winter season averages dropping to 29.7°F.

Rain Gear and Efficient Heating

With over 42 inches of rain, reliable drainage and rain gear are essential for local residents. While snowfall data is limited, the sub-freezing January average suggests keeping winter home heating systems in top shape.

Full weather & climate analysis on WeatherByCounty

Soil Quality in Champaign County

via SoilByCounty

Rich Histosols Define the Landscape

Champaign County features unique Histosols with a pH of 6.25, sitting just below the national median of 6.5. These soils are significantly more alkaline than the Ohio average of 5.97, offering a balanced chemical profile.

The Power of Muck Soil

With a dominant texture described as muck, the mix includes 52.4% silt and 19.9% clay. This combination creates a spongy, carbon-rich environment that is rare compared to typical mineral soils.

Superior Moisture for High Yields

The county boasts a high available water capacity of 0.210 in/in, well above the state average of 0.186. With 4.38% organic matter, the soil provides a steady supply of nutrients for intensive agriculture.

Managing High Water Tables

The soil is very poorly drained and belongs to hydrologic group B/D, indicating a high water table. These conditions are ideal for specialized wetland crops but require careful drainage for traditional construction.

Prime Growth in Zone 6a

Hardiness zone 6a and the moisture-rich muck make this a premier spot for root vegetables like carrots and onions. Your garden will thrive in this fertile ground as long as you manage the high moisture levels.

Full soil quality analysis on SoilByCounty

Lawn Care in Champaign County

via LawnByCounty

Reliable Growth in Champaign County

Champaign County earns a solid lawn difficulty score of 81.1, outperforming the state average of 76.0. This Zone 6a region offers a hospitable environment for turfgrass that is much easier to manage than the national median. It is a high-performing area for those who want a green lawn with manageable effort.

Ideal Rainfall and Moderate Heat

The county receives 42.4 inches of annual precipitation, which falls perfectly within the 30-50 inch ideal range. With 17 extreme heat days, it is only slightly warmer than the state average but remains manageable for most cool-season grass varieties. Mowing schedules should stay consistent through the 3173 growing degree days.

Managing Unique Muck Soils

Unlike many neighbors, Champaign County features a muck texture with 19.9% clay and a pH of 6.25. This soil is very poorly drained, which can lead to root rot if overwatered or during heavy rains. Proper drainage management and avoiding heavy equipment on wet soil are critical to maintaining lawn health.

Watching Out for Dry Patches

Approximately 23.5% of the county is currently abnormally dry, following 8 weeks of drought over the past year. While the muck soil retains some water, these dry spells can still stress the lawn's surface. Prioritize watering the dry zones first and consider raising mower blades to 3.5 inches to shade the soil.

Timing the Zone 6a Season

Kentucky bluegrass and perennial ryegrass thrive in these conditions, provided you manage the drainage. Aim to finish your spring seeding after the April 24 last frost, or prepare for fall planting before the October 19 first frost. The high growing score means your efforts will likely result in a thick, healthy lawn.

Full lawn care analysis on LawnByCounty

Frequently Asked Questions

What is Champaign County's county score?
Champaign County, Ohio has a composite county score of 49.2 out of 100 on CountyScore. This score is calculated from a weighted average of available data dimensions including property tax, cost of living, income, safety, health, and schools.
How does Champaign County rank among counties in Ohio?
Champaign County ranks #46 among all counties in Ohio on CountyScore's composite ranking. Rankings are based on available data dimensions and updated as new data is added.
What are property taxes like in Champaign County, Ohio?
The median annual property tax in Champaign County is $1,938, with an effective tax rate of 1.04%. This earns Champaign County a tax score of 35.2/100 on CountyScore (higher = lower taxes).
What is the median household income in Champaign County?
The median household income in Champaign County, Ohio is $74,239 per year according to U.S. Census Bureau data. Champaign County earns an income score of 76.2/100 on CountyScore.
Is Champaign County, Ohio a good place to live?
Champaign County scores 49.2/100 on CountyScore's overall county ranking, ranking #46 in Ohio. The best way to evaluate Champaign County is to compare individual dimension scores — property tax, cost of living, income, safety, health, and schools — based on your personal priorities. Use CountyScore to compare Champaign County with other counties side by side.
By Logan Johnson, Founder & Data EditorUpdated Reviewed by Logan Johnson, Founder & Data Editor

ByCounty Network

Property TaxCost of LivingIncome & JobsSafetyHealthSchoolsDisaster RiskWater QualityWeather & ClimateSoil QualityLawn CareFarmers Markets

Data from U.S. Census Bureau ACS, FBI UCR, CDC, FEMA NRI, NCES, EPA SDWIS, NOAA — informational only.