Last update: Oct 2026

Cost of Living Comparison Between Effingham, IL and New York, NY

For one person, living is cheaper in Effingham, IL: $2,500 a month against $4,938 in New York, NY, rent and utilities included – about $29,300 less a year. Rent and utilities account for most of the difference.

121

Cost of Living Index in Effingham, IL
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Effingham, IL Living Index
239

Cost of Living Index in New York, NY
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New York, NY Living Index

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Effingham, IL

🇺🇸 United States

$2,500

/mo nomad

New York, NY

🇺🇸 United States

$4,938

/mo nomad

Monthly Cost of Living

How much you'll spend in Effingham, IL and in New York, NY

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 New York, NY actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,500 in Effingham, IL versus $4,938 in New York, NY.

Effingham, IL $2,500
New York, NY $4,938

Estimated couple costs with rent: $3,556 in Effingham, IL versus $7,273 in New York, NY.

Effingham, IL $3,556
New York, NY $7,273

Monthly costs for a family of three with rent: $4,612 in Effingham, IL versus $9,608 in New York, NY.

Effingham, IL $4,612
New York, NY $9,608

Living in Effingham, IL costs roughly 49% less than in New York, NY, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Effingham, IL 84% above, New York, NY 264% above.

Meal at Budget Restaurant

$15.06 $15.06

$24.99 $24.99

-39.74%

Three-Course Dinner for Two, Mid-Range

$44.89 $44.89

$120 $120

-62.68%

Fast Food Meal (McDonalds, etc)

$11.95 $11.95

$13.74 $13.74

-13.03%

Cappuccino

$5.53 $5.53

$6.60 $6.60

-16.21%

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

$3.21 $3.21

$3.82 $3.82

-15.97%

Water (0.33 liter bottle)

$2.66 $2.66

$2.87 $2.87

-7.32%

Local Beer (0.5 liter draught)

$5.05 $5.05

$7.95 $7.95

-36.48%

Imported Beer (0.33 liter bottle)

$7.04 $7.04

$10.06 $10.06

-30.02%

Milk (1 liter)

$0.89 $0.89

$1.37 $1.37

-35.04%

White Bread (500g)

$3.40 $3.40

$4.75 $4.75

-28.42%

Rice (white) (1kg)

$4.48 $4.48

$7.69 $7.69

-41.74%

Eggs

$3.67 $3.67

$5.87 $5.87

-37.48%

Local Cheese (1kg)

$12.49 $12.49

$19.25 $19.25

-35.12%

Chicken Fillets (1kg)

$10.81 $10.81

$17.83 $17.83

-39.37%

Beef Round Steak (1kg)

$16.77 $16.77

$19.03 $19.03

-11.88%

Apples (1kg)

$5.72 $5.72

$6.69 $6.69

-14.50%

Banana (1kg)

$1.45 $1.45

$2.29 $2.29

-36.68%

Oranges (1kg)

$4.72 $4.72

$6.41 $6.41

-26.37%

Tomato (1kg)

$4.37 $4.37

$6.75 $6.75

-35.26%

Potato (1kg)

$2.23 $2.23

$3.93 $3.93

-43.26%

Onion (1kg)

$1.08 $1.08

$4.52 $4.52

-76.11%

Lettuce (1 head)

$2.45 $2.45

$2.79 $2.79

-12.19%

Water (1.5 liter bottle)

$2.43 $2.43

$2.51 $2.51

-3.19%

Cigarettes 20 Pack (Marlboro, Camel)

$10.84 $10.84

$18.10 $18.10

-40.11%

Wine (Bottle)

$11.88 $11.88

$20.16 $20.16

-41.07%

Local Beer (0.5 liter bottle)

$2.00 $2.00

$3.26 $3.26

-38.65%

Imported Beer (0.33 liter bottle)

$3.64 $3.64

$3.75 $3.75

-2.93%

One-way Ticket (Public Transport)

$1.84 $1.84

$2.92 $2.92

-36.99%

Public Transport Monthly Pass (Regular Price)

$143 $143

Taxi Start (Normal Tariff)

$1.95 $1.95

$3.06 $3.06

-36.27%

Taxi (Normal Tariff) (1km)

$1.76 $1.76

$2.16 $2.16

-18.52%

Taxi 1hour Waiting (Normal Tariff)

$33.78 $33.78

$41.33 $41.33

-18.27%

Gasoline (1 liter)

$0.99 $0.99

$1.12 $1.12

-11.61%

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

$30.1K $30.1K

$33.1K $33.1K

-9.17%

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

$26.2K $26.2K

$25.7K $25.7K

1.89%

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

$229 $229

$219 $219

4.61%

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

$44.95 $44.95

$75.3 $75.3

-40.33%

Internet (50+ Mbps, Unlimited Data)

$65.4 $65.4

$70.5 $70.5

-7.22%

Gym Membership (Monthly)

$41.33 $41.33

$116 $116

-64.22%

Tennis Court (1 Hour on Weekend)

$67.6 $67.6

Cinema Ticket

$14.98 $14.98

$21.37 $21.37

-29.90%

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

$1,729 $1,729

$3,432 $3,432

-49.63%

International Primary School, 1 Child (Yearly)

$24.1K $24.1K

$61.7K $61.7K

-60.90%

Jeans (Levis 501 Or Similar)

$45.09 $45.09

$74.9 $74.9

-39.78%

Summer Dress (H&M, Zara, etc)

$35.03 $35.03

$52.1 $52.1

-32.82%

Sport Shoes (Adidas, Nike)

$85.7 $85.7

$117 $117

-26.60%

Men's Leather Business Shoes

$65.2 $65.2

$135 $135

-51.59%

1-bedroom Apartment, City Center (Monthly)

$1,628 $1,628

$4,347 $4,347

-62.55%

1-bedroom Apartment, Outside City Center (Monthly)

$1,297 $1,297

$3,117 $3,117

-58.39%

3-bedroom Apartment, City Center (Monthly)

$2,487 $2,487

$9,110 $9,110

-72.70%

3-bedroom Apartment, Outside City Center (Monthly)

$2,146 $2,146

$5,379 $5,379

-60.12%

Buy Apartment in City Center (m2)

$2,804 $2,804

$19.3K $19.3K

-85.46%

Buy Apartment Outside City Center (m2)

$2,326 $2,326

$6,943 $6,943

-66.50%

Average Monthly Net Salary (After Tax)

$5,238 $5,238

20-Year Fixed Mortgage Interest Rate (Annual %)

6.57

6.85

-4.09%

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

Last update for Effingham, IL: October 17, 2026

Last update for New York, NY: October 17, 2026

Monthly budget structure

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

Accommodation & Living

Effingham, IL

$1.3K 51.9%

New York, NY

$3.1K 63.1% 140% $1.8K

Groceries & Markets

Effingham, IL

$384 15.4%

New York, NY

$552 11.2% 43.8% $168

Monthly Utilities & Internet

Effingham, IL

$340 13.6%

New York, NY

$365 7.4% 7.5% $25

Eating Out

Effingham, IL

$285 11.4%

New York, NY

$407 8.2% 42.6% $121

Clothing & Footwear

Effingham, IL

$104 4.2%

New York, NY

$170 3.5% 63.8% $66

Sport & Entertainment

Effingham, IL

$71 2.9%

New York, NY

$158 3.2% 122% $87

Getting Around

Effingham, IL

$18 * 0.7%

New York, NY

$168 3.4% 829% $150

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 $4,347 in New York, NY. Housing cost is often the main lever when comparing two cities.

Dining out: $45.00 in Effingham, IL vs $120 in New York, NY for a mid-range dinner for two. Groceries echo the gap at $384 vs $552 per month, with Effingham, IL cheaper across the board.

Good to know

🇺🇸 Effingham, IL

🇺🇸 New York, NY

🕒 Local time

22:15 10:15 PM

23:15 11:15 PM

1 h ahead of Effingham, IL

🌤 Weather

👥 Population

12,447

8,804,190

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

On the map

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Between locations

Effingham, IL New York, NY 1,240 km ≈ 2 h nonstop flight

From you

Effingham, IL
New York, NY

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 New York, NY: Cost of Living - Frequently Asked Questions

Effingham, IL and New York, NY differ by about 98% in total monthly costs ($2,500 vs $4,938 including rent). Effingham, IL 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 $7,407 in New York, NY 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 $4,347 in New York, NY. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 44% higher in New York, NY. 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 $4,938 in New York, NY – a 98% gap that adds up to real savings over time for anyone picking the cheaper option.

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 98% less than in New York, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.