Cost of Living in Effingham, IL
Cost indexes, living wages, and fair market rents — 2024 Data
Cost of Living Overview
Overall Index
94.9
100 = national avg
-5.1 vs national average
Living Wage (1 Adult)
$41,772
per year
Living Wage (Family of 4)
$98,734
per year
Cost Index by Category
Housing85.8
Food100.2
Transportation100.5
Healthcare100.2
Utilities97.3
100 = national average. Higher = more expensive.
Fair Market Rent
Source: HUD1 Bedroom
$754
per month
2 Bedroom
$916
per month
The overall cost of living index in Effingham is 94.9, which is 5.1% below the national average. Housing costs are below the national average at an index of 85.8. A single adult needs to earn approximately $41,772 per year to cover basic expenses.