Last update: Oct 2026

Cost of Living Comparison Between Effingham, IL and Chicago, IL

For one person, living is cheaper in Effingham, IL: $2,500 a month against $3,139 in Chicago, IL, rent and utilities included – about $7,700 less a year. Rent and utilities account for about half of the difference.

121

Cost of Living Index in Effingham, IL
Learn more

Effingham, IL Living Index
152

Cost of Living Index in Chicago, IL
Learn more

Chicago, IL Living Index

Jump to prices

Effingham, IL

🇺🇸 United States

$2,500

/mo nomad

Chicago, IL

🇺🇸 United States

$3,139

/mo nomad

Monthly Cost of Living

How much you'll spend in Effingham, IL and in Chicago, IL

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Effingham, IL and in Chicago, IL actually costs, broken down by who's living it.

A single person spends $2,500 per month in Effingham, IL vs $3,139 in Chicago, IL, rent included.

Effingham, IL $2,500
Chicago, IL $3,139

A couple spends around $3,556 per month in Effingham, IL vs $4,627 in Chicago, IL, rent included.

Effingham, IL $3,556
Chicago, IL $4,627

A family of three spends $4,612 per month in Effingham, IL vs $6,115 in Chicago, IL, rent included.

Effingham, IL $4,612
Chicago, IL $6,115

Effingham, IL is about 20% cheaper than Chicago, IL, and outside of rent the biggest gap is in transport.

Both Effingham, IL and Chicago, IL sit above the global median – Effingham, IL by 84%, Chicago, IL by 132%.

Meal at Budget Restaurant

$15.06 $15.06

$20.65 $20.65

-27.07%

Three-Course Dinner for Two, Mid-Range

$44.89 $44.89

$90.2 $90.2

-50.25%

Fast Food Meal (McDonalds, etc)

$11.95 $11.95

$12.94 $12.94

-7.65%

Cappuccino

$5.53 $5.53

$5.60 $5.60

-1.25%

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

$3.21 $3.21

$2.64 $2.64

21.59%

Water (0.33 liter bottle)

$2.66 $2.66

$2.27 $2.27

17.18%

Local Beer (0.5 liter draught)

$5.05 $5.05

$6.98 $6.98

-27.65%

Imported Beer (0.33 liter bottle)

$7.04 $7.04

$8.83 $8.83

-20.27%

Milk (1 liter)

$0.89 $0.89

$1.27 $1.27

-29.92%

White Bread (500g)

$3.40 $3.40

$3.80 $3.80

-10.53%

Rice (white) (1kg)

$4.48 $4.48

$5.30 $5.30

-15.47%

Eggs

$3.67 $3.67

$4.76 $4.76

-22.90%

Local Cheese (1kg)

$12.49 $12.49

$13.96 $13.96

-10.53%

Chicken Fillets (1kg)

$10.81 $10.81

$14.61 $14.61

-26.01%

Beef Round Steak (1kg)

$16.77 $16.77

$18.77 $18.77

-10.66%

Apples (1kg)

$5.72 $5.72

$5.19 $5.19

10.21%

Banana (1kg)

$1.45 $1.45

$1.98 $1.98

-26.77%

Oranges (1kg)

$4.72 $4.72

$3.93 $3.93

20.10%

Tomato (1kg)

$4.37 $4.37

$4.96 $4.96

-11.90%

Potato (1kg)

$2.23 $2.23

$2.76 $2.76

-19.20%

Onion (1kg)

$1.08 $1.08

$2.76 $2.76

-60.87%

Lettuce (1 head)

$2.45 $2.45

$2.22 $2.22

10.36%

Water (1.5 liter bottle)

$2.43 $2.43

$2.98 $2.98

-18.46%

Cigarettes 20 Pack (Marlboro, Camel)

$10.84 $10.84

$14.02 $14.02

-22.68%

Wine (Bottle)

$11.88 $11.88

$15.28 $15.28

-22.25%

Local Beer (0.5 liter bottle)

$2.00 $2.00

$2.58 $2.58

-22.48%

Imported Beer (0.33 liter bottle)

$3.64 $3.64

$3.50 $3.50

4.00%

One-way Ticket (Public Transport)

$1.84 $1.84

$2.47 $2.47

-25.51%

Public Transport Monthly Pass (Regular Price)

$74.8 $74.8

Taxi Start (Normal Tariff)

$1.95 $1.95

$3.34 $3.34

-41.62%

Taxi (Normal Tariff) (1km)

$1.76 $1.76

$1.43 $1.43

23.08%

Taxi 1hour Waiting (Normal Tariff)

$33.78 $33.78

$24.32 $24.32

38.90%

Gasoline (1 liter)

$0.99 $0.99

$1.26 $1.26

-21.43%

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

$30.1K $30.1K

$35.0K $35.0K

-14.05%

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

$26.2K $26.2K

$26.1K $26.1K

0.50%

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

$229 $229

$193 $193

19.06%

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

$44.95 $44.95

$68.3 $68.3

-34.14%

Internet (50+ Mbps, Unlimited Data)

$65.4 $65.4

$61.3 $61.3

6.72%

Gym Membership (Monthly)

$41.33 $41.33

$54.1 $54.1

-23.63%

Tennis Court (1 Hour on Weekend)

$27.92 $27.92

Cinema Ticket

$14.98 $14.98

$17.74 $17.74

-15.56%

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

$1,729 $1,729

$1,652 $1,652

4.65%

International Primary School, 1 Child (Yearly)

$24.1K $24.1K

$31.1K $31.1K

-22.37%

Jeans (Levis 501 Or Similar)

$45.09 $45.09

$66.1 $66.1

-31.75%

Summer Dress (H&M, Zara, etc)

$35.03 $35.03

$51.2 $51.2

-31.64%

Sport Shoes (Adidas, Nike)

$85.7 $85.7

$100 $100

-14.45%

Men's Leather Business Shoes

$65.2 $65.2

$141 $141

-53.74%

1-bedroom Apartment, City Center (Monthly)

$1,628 $1,628

$2,446 $2,446

-33.45%

1-bedroom Apartment, Outside City Center (Monthly)

$1,297 $1,297

$1,678 $1,678

-22.69%

3-bedroom Apartment, City Center (Monthly)

$2,487 $2,487

$4,717 $4,717

-47.27%

3-bedroom Apartment, Outside City Center (Monthly)

$2,146 $2,146

$2,795 $2,795

-23.25%

Buy Apartment in City Center (m2)

$2,804 $2,804

$4,105 $4,105

-31.69%

Buy Apartment Outside City Center (m2)

$2,326 $2,326

$2,650 $2,650

-12.22%

Average Monthly Net Salary (After Tax)

$4,866 $4,866

20-Year Fixed Mortgage Interest Rate (Annual %)

6.57

6.81

-3.52%

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

Last update for Effingham, IL: October 17, 2026

Last update for Chicago, IL: October 19, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Effingham, IL

$1.3K 51.9%

Chicago, IL

$1.7K 53.5% 29.4% $381

Groceries & Markets

Effingham, IL

$384 15.4%

Chicago, IL

$449 14.3% 17% $65

Monthly Utilities & Internet

Effingham, IL

$340 13.6%

Chicago, IL

$322 10.3% 5.2% $18

Eating Out

Effingham, IL

$285 11.4%

Chicago, IL

$343 10.9% 20.3% $58

Clothing & Footwear

Effingham, IL

$104 4.2%

Chicago, IL

$161 5.1% 55.2% $57

Sport & Entertainment

Effingham, IL

$71 2.9%

Chicago, IL

$90 2.9% 25.7% $18

Getting Around

Effingham, IL

$18 * 0.7%

Chicago, IL

$95 3% 425% $77

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $1,628 in Effingham, IL versus $2,446 in Chicago, IL. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $45.00 in Effingham, IL versus $90.0 in Chicago, IL. Monthly groceries follow the same trend: $384 vs $449 – making Effingham, IL the more affordable choice for daily food spending.

Good to know

🇺🇸 Effingham, IL

🇺🇸 Chicago, IL

🕒 Local time

22:07 10:07 PM

Same time as Effingham, IL

🌤 Weather

👥 Population

12,447

2,746,388

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Effingham, IL Chicago, IL 320 km

From you

Effingham, IL
Chicago, IL

Distances are measured in a straight line. Your location is detected approximately.

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 Chicago, IL: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,500 in Effingham, IL, $3,139 in Chicago, IL – roughly 26% apart. Outside of rent, the biggest gap is in transport.

For a comfortable life, plan on about $3,750 per month in Effingham, IL and $4,708 in Chicago, IL. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Effingham, IL, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $45.00 in Effingham, IL and $90.0 in Chicago, IL. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 17% more in Chicago, IL, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

$3,000 is a stretch for both – monthly costs hit $2,500 in Effingham, IL and $3,139 in Chicago, IL. You'll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Chicago, IL has an edge in some lifestyle areas, with costs from $2,500 in Effingham, IL to $3,139 in Chicago, IL. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Effingham, IL. If higher salaries, better infrastructure, or specific career opportunities are the priority, Chicago, IL makes more sense. Both are solid long-term options with distinct trade-offs.