Last update: Oct 2026

Cost of Living Comparison Between Effingham, IL and Montevideo

For one person, living is cheaper in Montevideo: $1,784 a month against $2,500 in Effingham, IL, rent and utilities included – about $8,600 less a year. Higher rent and utilities in Effingham, IL outweigh lower spending on other living expenses.

121

Cost of Living Index in Effingham, IL
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Effingham, IL Living Index
86

Cost of Living Index in Montevideo
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Montevideo Living Index

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Effingham, IL

🇺🇸 United States

$2,500

/mo nomad

Montevideo

🇺🇾 Uruguay

$1,784

/mo nomad

Monthly Cost of Living

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

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 Montevideo actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,500 in Effingham, IL versus $1,784 in Montevideo.

Effingham, IL $2,500
Montevideo $1,784

Estimated couple costs with rent: $3,556 in Effingham, IL versus $2,756 in Montevideo.

Effingham, IL $3,556
Montevideo $2,756

Monthly costs for a family of three with rent: $4,612 in Effingham, IL versus $3,728 in Montevideo.

Effingham, IL $4,612
Montevideo $3,728

Living in Effingham, IL is roughly 40% more expensive than in Montevideo, and outside of rent the biggest gap is in clothing.

Both cities are pricier than the global median: Effingham, IL 84% above, Montevideo 32% above.

Meal at Budget Restaurant

$15.06 $15.06

$14.82 UYU 595

1.62%

Three-Course Dinner for Two, Mid-Range

$44.89 $44.89

$69.7 UYU 2,797

-35.60%

Fast Food Meal (McDonalds, etc)

$11.95 $11.95

$14.68 UYU 589

-18.60%

Cappuccino

$5.53 $5.53

$4.65 UYU 186

18.92%

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

$3.21 $3.21

$2.74 UYU 110

17.15%

Water (0.33 liter bottle)

$2.66 $2.66

$2.07 UYU 82.9

28.50%

Local Beer (0.5 liter draught)

$5.05 $5.05

$4.79 UYU 192

5.43%

Imported Beer (0.33 liter bottle)

$7.04 $7.04

$3.63 UYU 146

93.94%

Milk (1 liter)

$0.89 $0.89

$1.39 UYU 55.8

-35.97%

White Bread (500g)

$3.40 $3.40

$2.89 UYU 116

17.65%

Rice (white) (1kg)

$4.48 $4.48

$1.70 UYU 68.1

163.53%

Eggs

$3.67 $3.67

$4.62 UYU 185

-20.56%

Local Cheese (1kg)

$12.49 $12.49

$14.22 UYU 571

-12.17%

Chicken Fillets (1kg)

$10.81 $10.81

$11.62 UYU 466

-6.97%

Beef Round Steak (1kg)

$16.77 $16.77

$12.23 UYU 491

37.12%

Apples (1kg)

$5.72 $5.72

$2.77 UYU 111

106.50%

Banana (1kg)

$1.45 $1.45

$2.85 UYU 114

-49.12%

Oranges (1kg)

$4.72 $4.72

$1.81 UYU 72.5

160.77%

Tomato (1kg)

$4.37 $4.37

$3.20 UYU 129

36.56%

Potato (1kg)

$2.23 $2.23

$1.94 UYU 77.8

14.95%

Onion (1kg)

$1.08 $1.08

$2.16 UYU 86.5

-50.00%

Lettuce (1 head)

$2.45 $2.45

$1.43 UYU 57.3

71.33%

Water (1.5 liter bottle)

$2.43 $2.43

$1.94 UYU 77.9

25.26%

Cigarettes 20 Pack (Marlboro, Camel)

$10.84 $10.84

$5.47 UYU 219

98.17%

Wine (Bottle)

$11.88 $11.88

$8.95 UYU 359

32.74%

Local Beer (0.5 liter bottle)

$2.00 $2.00

$2.26 UYU 90.8

-11.50%

Imported Beer (0.33 liter bottle)

$3.64 $3.64

$2.81 UYU 113

29.54%

One-way Ticket (Public Transport)

$1.84 $1.84

$1.56 UYU 62.6

17.95%

Public Transport Monthly Pass (Regular Price)

$73.8 UYU 2,962

Taxi Start (Normal Tariff)

$1.95 $1.95

$1.90 UYU 76.2

2.63%

Taxi (Normal Tariff) (1km)

$1.76 $1.76

$0.43 UYU 17.36

309.30%

Taxi 1hour Waiting (Normal Tariff)

$33.78 $33.78

$10.59 UYU 425

218.98%

Gasoline (1 liter)

$0.99 $0.99

$2.12 UYU 85.2

-53.30%

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

$30.1K $30.1K

$26.8K UYU 1.1M

12.30%

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

$26.2K $26.2K

$37.0K UYU 1.5M

-29.16%

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

$229 $229

$193 UYU 7,727

19.17%

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

$44.95 $44.95

$20.91 UYU 839

114.97%

Internet (50+ Mbps, Unlimited Data)

$65.4 $65.4

$44.89 UYU 1,802

45.73%

Gym Membership (Monthly)

$41.33 $41.33

$50.8 UYU 2,038

-18.59%

Tennis Court (1 Hour on Weekend)

$19.73 UYU 792

Cinema Ticket

$14.98 $14.98

$12.30 UYU 494

21.79%

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

$1,729 $1,729

$629 UYU 25.2K

174.97%

International Primary School, 1 Child (Yearly)

$24.1K $24.1K

$10.9K UYU 437.3K

121.29%

Jeans (Levis 501 Or Similar)

$45.09 $45.09

$104 UYU 4,166

-56.56%

Summer Dress (H&M, Zara, etc)

$35.03 $35.03

$57.4 UYU 2,305

-39.01%

Sport Shoes (Adidas, Nike)

$85.7 $85.7

$125 UYU 5,010

-31.39%

Men's Leather Business Shoes

$65.2 $65.2

$132 UYU 5,315

-50.78%

1-bedroom Apartment, City Center (Monthly)

$1,628 $1,628

$713 UYU 28.6K

128.31%

1-bedroom Apartment, Outside City Center (Monthly)

$1,297 $1,297

$575 UYU 23.1K

125.41%

3-bedroom Apartment, City Center (Monthly)

$2,487 $2,487

$1,164 UYU 46.7K

113.67%

3-bedroom Apartment, Outside City Center (Monthly)

$2,146 $2,146

$1,033 UYU 41.5K

107.62%

Buy Apartment in City Center (m2)

$2,804 $2,804

$3,418 UYU 137.2K

-17.96%

Buy Apartment Outside City Center (m2)

$2,326 $2,326

$1,760 UYU 70.6K

32.15%

Average Monthly Net Salary (After Tax)

$1,244 UYU 49.9K

20-Year Fixed Mortgage Interest Rate (Annual %)

6.57

5.74

14.46%

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

Last update for Effingham, IL: October 17, 2026

Last update for Montevideo: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Effingham, IL

$1.3K 51.9%

Montevideo

$575 32.2% 55.6% $722

Groceries & Markets

Effingham, IL

$384 15.4%

Montevideo

$334 18.7% 13.2% $51

Monthly Utilities & Internet

Effingham, IL

$340 13.6%

Montevideo

$258 14.5% 24% $81

Eating Out

Effingham, IL

$285 11.4%

Montevideo

$269 15.1% 5.8% $17

Clothing & Footwear

Effingham, IL

$104 4.2%

Montevideo

$188 10.6% 81.2% $84

Sport & Entertainment

Effingham, IL

$71 2.9%

Montevideo

$75 4.2% 5.7% $4.1

Getting Around

Effingham, IL

$18 * 0.7%

Montevideo

$84 4.7% 365% $66

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

Cost Breakdown

A one-bedroom apartment in the center runs $1,628 in Effingham, IL and $713 in Montevideo. Housing cost is often the main lever when comparing two cities.

Dining out: $45.00 in Effingham, IL vs $70.0 in Montevideo. Groceries flip the comparison at $384 vs $334, with Montevideo cheaper for home cooking.

Good to know

🇺🇸 Effingham, IL

🇺🇾 Montevideo

🕒 Local time

15:00 3:00 PM

17:00 5:00 PM

2 h ahead of Effingham, IL

🌤 Weather

👥 Population

12,447

1,319,108 Capital

💱 Currency

United States Dollar USD $

Uruguayan Peso UYU $U

📈 Exchange rate

1 USD = 0.89 EUR

100 UYU = 2.49 USD

100 UYU = 2.22 EUR

Exchange rates and currency converter

UYU, EUR to USD – United States Dollar Converter

🇺🇾 Uruguayan Peso ($U)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 20, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Uruguayan Peso exchange rates as of October 20, 2026: 1 USD = 40.14 UYU (100 UYU = 2.49 USD). 1 EUR = 45.12 UYU (100 UYU = 2.22 EUR).

UYU to USD in detail →

On the map

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Between locations

Effingham, IL Montevideo 8,880 km ≈ 12 h nonstop flight

From you

Effingham, IL
Montevideo

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 Montevideo: Cost of Living - Frequently Asked Questions

Effingham, IL and Montevideo differ by about 40% in total monthly costs ($2,500 vs $1,784 including rent). Montevideo is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $3,750 in Effingham, IL and $2,676 in Montevideo 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: $1,628 in Effingham, IL versus $713 in Montevideo. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 15% higher in Effingham, IL. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $2,500 per month in Effingham, IL versus $1,784 in Montevideo – a 40% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,784 in Montevideo versus $2,500 in Effingham, IL, a $2,500 budget is realistic in Montevideo but tight or insufficient in Effingham, IL. The gap between the two cities makes Montevideo the clear choice for anyone on this budget.

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.

Safety-wise, Effingham, IL and Montevideo are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Montevideo gentler on the wallet – expenses run 40% less than in Effingham, IL. Beyond cost, consider language, visa policies, and how big the international community is in each city.