Cost of Living Comparison Between Effingham, IL and Austin, TX Cost of Living Comparison Between Effingham, IL and Austin, TX

Monthly Cost of Living

Monthly costs for one person with rent: $2,560 in Effingham, IL versus $2,719 in Austin, TX.

Estimated couple costs with rent: $3,554 in Effingham, IL versus $4,117 in Austin, TX.

Monthly costs for a family of three with rent: $4,549 in Effingham, IL versus $5,515 in Austin, TX.

Living in Effingham, IL costs roughly 6% less than in Austin, TX, driven mainly by Eating Out.

Both cities are pricier than the global median: Effingham, IL 91% above, Austin, TX 103% above.

Meal at Budget Restaurant

$15.07 $15.07

$19.99 $19.99

-24.61%

Three-Course Dinner for Two, Mid-Range

$45.36 $45.36

$76.2 $76.2

-40.50%

Fast Food Meal (McDonalds, etc)

$9.82 $9.82

$10.13 $10.13

-3.06%

Cappuccino

$5.36 $5.36

$5.49 $5.49

-2.37%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.40 $2.40

$2.72 $2.72

-11.76%

Water (0.33 liter bottle)

$1.94 $1.94

$2.14 $2.14

-9.35%

Local Beer (0.5 liter draught)

$5.03 $5.03

$6.07 $6.07

-17.13%

Imported Beer (0.33 liter bottle)

$7.07 $7.07

$8.04 $8.04

-12.06%

Milk (1 liter)

$0.55 $0.55

$1.09 $1.09

-49.54%

White Bread (500g)

$2.73 $2.73

$3.34 $3.34

-18.26%

Rice (white) (1kg)

$4.30 $4.30

$3.42 $3.42

25.73%

Eggs

$3.07 $3.07

$4.32 $4.32

-28.94%

Local Cheese (1kg)

$15.73 $15.73

$11.80 $11.80

33.31%

Chicken Fillets (1kg)

$11.00 $11.00

$10.68 $10.68

3.00%

Beef Round Steak (1kg)

$14.24 $14.24

$14.50 $14.50

-1.79%

Apples (1kg)

$5.51 $5.51

$4.79 $4.79

15.03%

Banana (1kg)

$1.51 $1.51

$1.50 $1.50

0.67%

Oranges (1kg)

$4.25 $4.25

$4.51 $4.51

-5.76%

Tomato (1kg)

$5.77 $5.77

$4.04 $4.04

42.82%

Potato (1kg)

$2.23 $2.23

$2.76 $2.76

-19.20%

Onion (1kg)

$1.08 $1.08

$2.79 $2.79

-61.29%

Lettuce (1 head)

$1.89 $1.89

$2.04 $2.04

-7.35%

Water (1.5 liter bottle)

$2.02 $2.02

$2.15 $2.15

-6.05%

Cigarettes 20 Pack (Marlboro, Camel)

$8.77 $8.77

$9.23 $9.23

-4.98%

Wine (Bottle)

$12.08 $12.08

$14.81 $14.81

-18.43%

Local Beer (0.5 liter bottle)

$2.60 $2.60

$2.29 $2.29

13.54%

Imported Beer (0.33 liter bottle)

$3.35 $3.35

$3.53 $3.53

-5.10%

One-way Ticket (Public Transport)

$2.04 $2.04

$1.52 $1.52

34.21%

Public Transport Monthly Pass (Regular Price)

$43.64 $43.64

Taxi Start (Normal Tariff)

$2.82 $2.82

$4.29 $4.29

-34.27%

Taxi (Normal Tariff) (1km)

$1.37 $1.37

$1.82 $1.82

-24.73%

Taxi 1hour Waiting (Normal Tariff)

$29.62 $29.62

$35.52 $35.52

-16.61%

Gasoline (1 liter)

$0.83 $0.83

$0.77 $0.77

7.79%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$34.8K $34.8K

$25.6K $25.6K

35.90%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$26.6K $26.6K

$26.3K $26.3K

1.26%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$238 $238

$172 $172

38.21%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$45.30 $45.30

$60.3 $60.3

-24.88%

Internet (50+ Mbps, Unlimited Data)

$61.3 $61.3

$67.2 $67.2

-8.80%

Gym Membership (Monthly)

$43.69 $43.69

$62.8 $62.8

-30.47%

Tennis Court (1 Hour on Weekend)

$9.85 $9.85

Cinema Ticket

$12.08 $12.08

$14.73 $14.73

-17.99%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,247 $1,247

$1,398 $1,398

-10.83%

International Primary School, 1 Child (Yearly)

$13.5K $13.5K

$21.8K $21.8K

-38.18%

Jeans (Levis 501 Or Similar)

$44.47 $44.47

$55.1 $55.1

-19.34%

Summer Dress (H&M, Zara, etc)

$35.35 $35.35

$45.66 $45.66

-22.58%

Sport Shoes (Adidas, Nike)

$83.4 $83.4

$86.8 $86.8

-3.91%

Men's Leather Business Shoes

$65.4 $65.4

$115 $115

-43.32%

1-bedroom Apartment, City Center (Monthly)

$1,602 $1,602

$2,245 $2,245

-28.64%

1-bedroom Apartment, Outside City Center (Monthly)

$1,334 $1,334

$1,401 $1,401

-4.75%

3-bedroom Apartment, City Center (Monthly)

$2,631 $2,631

$3,782 $3,782

-30.43%

3-bedroom Apartment, Outside City Center (Monthly)

$2,184 $2,184

$2,708 $2,708

-19.34%

Buy Apartment in City Center (m2)

$2,342 $2,342

$7,304 $7,304

-67.93%

Buy Apartment Outside City Center (m2)

$2,582 $2,582

$3,331 $3,331

-22.48%

Average Monthly Net Salary (After Tax)

$4,910 $4,910

20-Year Fixed Mortgage Interest Rate (Annual %)

6.61

6.45

2.48%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Effingham, IL: April 21, 2026

Last update for Austin, TX: April 20, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,602 in Effingham, IL and $2,245 in Austin, TX. Housing cost is often the main lever when comparing two cities.

Dining out: $45 in Effingham, IL vs $76 in Austin, TX for a mid-range dinner for two. Groceries echo the gap at $374 vs $375 per month, with Effingham, IL cheaper across the board.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Effingham, IL vs Austin, TX: Cost of Living - Frequently Asked Questions

Effingham, IL wins on cost – living expenses run 6% lower than in Austin, TX. Housing and daily spending are where you'll feel the difference most, making Effingham, IL the obvious pick if budget is a priority.

You'd need roughly $3,840 in Effingham, IL and $4,079 in Austin, TX to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,602 in Effingham, IL versus $2,245 in Austin, TX. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,247 in Effingham, IL versus $1,398 in Austin, TX. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Effingham, IL – a meal for two runs $45.00 versus $76.0 in Austin, TX. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $3,000. Effingham, IL is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Expats usually find Effingham, IL gentler on the wallet – expenses run 6% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.