Cost of Living in Effingham, IL
Overall index: 71 (100 = US national average). Data source: US Census ACS 2023 & BLS OEWS 2025, 2025.
Overall Cost of Living Index
Cost Breakdown by Category
| Category | Index | vs US avg | Sample cost |
|---|---|---|---|
| Housing | 48 | -52% | $487 |
| Transportation | 97 | -3% | $3.50 |
| Food | 88 | -12% | $361 |
| Utilities | 74 | -26% | $86 |
| Healthcare | 74 | -26% | $62 |
Index 100 = US national average. Higher = more expensive.
Cost breakdown (visual)
Salary Calculator: What do you need to earn in Effingham?
A single adult living comfortably in Effingham, IL needs approximately $24,850 / year after taxes.
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Frequently Asked Questions
What is the cost of living in Effingham, IL?
The overall cost of living in Effingham, IL is 29% lower than the US national average (index: 71 where 100 = national average).
How much is rent in Effingham, IL?
Average rent for a 1-bedroom apartment in Effingham, IL is about $487/month.
Is Effingham, IL expensive to live in?
No, Effingham, IL is affordable (below national average).
What salary do I need to live in Effingham, IL?
A single adult needs roughly $24,850/year to cover basic living costs in Effingham, IL.