Effingham cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
Cost of living index8698100
Goods & Services index9198100
Groceries index9397100
Health care index85100100
Housing index6495100
Transportation index99112100
Utilities index10897100
A general summary of the cost of living index in Effingham, IL is shown above. Compared to the state average of Illinois the cost of living index in Effingham, IL is 86, which is 13% lower than the average in Illinois and compared to the national average it is 14% lower than. The cost of living index is made up of several categories. These are transportation at 9%, utilities at 10%, goods and services at 33%, housing at 30%, groceries at 13%, and health care at 5%. The bulk of the cost of living index comes from the categories of goods and services and housing. If you look at everyday goods and services they can be a good indicator in a certain city of the general costs of goods there. In Effingham, IL goods and services come in at 6% lower than the average in Illinois and are 9% lower than compared to the nationwide average.
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Did you know?

  • The cost of living in Effingham is 13% lower than the Illinois average.
  • The cost of living in Effingham is 14% lower than the national average.
  • The cost of housing in Effingham is 36% lower than the national average.
  • Illinois general sales tax is 23% higher than the national average.
  • Illinois state income tax is 123% higher than the national average.

Compare Effingham, IL Cost of living To Other Cities

Salary Calculator

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Groceries index
Health care index
Housing index
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The salary calculator is meant to help you compare your salary in Effingham, IL to your potential earning power in another city. This can help you deduce what your salary would need to be in any given city in order for you to live the same lifestyle that you do in your current city. In other words, if you plan on moving to a city where the cost of living is higher than in Effingham, IL, you'll have to make more money in the new city in order to maintain the lifestyle you currently enjoy. To use the Effingham, IL salary calculator, simply input the new city, then move the adjustable slider to match your current income. Once you've selected your income, the calculator will determine if that income is sufficient to support your standard of living in the new city you entered. The calculator will also supply you with a rundown of living costs in the new city.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
One can approximate the cost of living and the housing affordability in Effingham, IL by the percentage of a person’s income that he or she spends on the monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side and keep one’s head above the water, a consumer should never spend more than 28 percent of his or her gross income on housing-related expenses and costs and not more than 36 percent of income on all expenses and debts. Homeowners in Effingham, IL have a median income of $58,057. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,355 per month to avoid calamity and poverty. The renters in the city have an income of about $30,983, which would make their monthly maximum allowable rental costs $723.

Illinois Sales Tax

StateGeneral Sales TaxWith Max Surtax

Illinois Income Tax

StateIncome Tax (Low)Income Tax (High)
When you are determining the total cost of living in Effingham, IL you will want to make sure you consider both the Illinois sales tax and the Illinois income tax rates. Sales tax come in the form of taxes levied on both services and goods that are sold. The sales tax rates are different state to state and range from zero sales tax to higher than 7%. The sales tax in Illinois is 6.25%, with the highest surtax being 10.25%. Tax that is on income by the government is income tax. Different states have different income tax rates and these rates can be higher or lower dependent on the corresponding tax bracket. The state income tax rates are different state to state and range from no income tax to more than 9% income tax. The income tax rates in Illinois have a range from 4.95% to 4.95%.

Goods & Services

ItemEffinghamNational avg.Difference
Haircut $19.66$17.4912.4%
Beauty Salon $33.50$38.1712.2%
Toothpaste $1.82$2.3221.6%
Shampoo $0.89$1.0112.0%
Movie $9.39$10.7212.4%
Bowling $15.00$13.868.2%


ItemEffinghamNational avg.Difference
Ground Beef $4.09$3.904.9%
Fried Chicken $0.87$1.4037.7%
Milk $0.89$1.9654.6%
Potatoes $3.91$3.1822.8%
Pizza $9.49$10.398.7%
Beer $8.49$9.238.0%

Health Care

ItemEffinghamNational avg.Difference
Optometrist $77.00$106.3427.6%
Doctor $102.00$115.2511.5%
Dentist $72.67$98.3826.1%
Ibuprofen $7.98$9.2613.8%
Lipitor $511.31$466.479.6%


ItemEffinghamNational avg.Difference
Home Price $123,500.00$184,700.0033.1%
Avg. Mortgage Payment $1,001.02$1,273.3221.4%
Apartment Rent $557.00$949.0041.3%


ItemEffinghamNational avg.Difference
Gasoline $2.86$2.5910.3%
Tire Balancing $41.00$48.9016.1%


ItemEffinghamNational avg.Difference
All Electricity$187.09$167.6011.6%
Phone $188.52$163.4215.4%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Wheeler, IL13176-24%
Shumway, IL17577-23%
Beecher City, IL40978-22%
Mason, IL35278-22%
Edgewood, IL49478-22%
Effingham, IL12,65086-14%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Moss Bluff, LA12,65492-8%
Goldenrod, FL12,65994-6%
Loveland, OH12,64197-3%
Lincolnwood, IL12,63713535%
Carnot-Moon, PA12,66499-1%
Effingham, IL12,65086-14%
Source: The Effingham, IL cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2019.
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