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

Monthly Cost of Living

Monthly costs for one person with rent: $2,560 in Effingham, IL versus $4,438 in New York, NY.

Estimated couple costs with rent: $3,554 in Effingham, IL versus $7,016 in New York, NY.

Monthly costs for a family of three with rent: $4,549 in Effingham, IL versus $9,593 in New York, NY.

Living in Effingham, IL costs roughly 42% less than in New York, NY, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Effingham, IL 91% above, New York, NY 231% above.

Meal at Budget Restaurant

$15.07 $15.07

$29.91 $29.91

-49.62%

Three-Course Dinner for Two, Mid-Range

$45.36 $45.36

$144 $144

-68.47%

Fast Food Meal (McDonalds, etc)

$9.82 $9.82

$12.32 $12.32

-20.29%

Cappuccino

$5.36 $5.36

$6.03 $6.03

-11.11%

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

$2.40 $2.40

$3.39 $3.39

-29.20%

Water (0.33 liter bottle)

$1.94 $1.94

$2.56 $2.56

-24.22%

Local Beer (0.5 liter draught)

$5.03 $5.03

$8.20 $8.20

-38.66%

Imported Beer (0.33 liter bottle)

$7.07 $7.07

$11.95 $11.95

-40.84%

Milk (1 liter)

$0.55 $0.55

$1.54 $1.54

-64.29%

White Bread (500g)

$2.73 $2.73

$5.15 $5.15

-46.99%

Rice (white) (1kg)

$4.30 $4.30

$8.43 $8.43

-48.99%

Eggs

$3.07 $3.07

$6.97 $6.97

-55.95%

Local Cheese (1kg)

$15.73 $15.73

$17.28 $17.28

-8.97%

Chicken Fillets (1kg)

$11.00 $11.00

$16.24 $16.24

-32.27%

Beef Round Steak (1kg)

$14.24 $14.24

$19.95 $19.95

-28.62%

Apples (1kg)

$5.51 $5.51

$7.45 $7.45

-26.04%

Banana (1kg)

$1.51 $1.51

$2.42 $2.42

-37.60%

Oranges (1kg)

$4.25 $4.25

$5.87 $5.87

-27.60%

Tomato (1kg)

$5.77 $5.77

$6.31 $6.31

-8.56%

Potato (1kg)

$2.23 $2.23

$3.72 $3.72

-40.05%

Onion (1kg)

$1.08 $1.08

$3.99 $3.99

-72.93%

Lettuce (1 head)

$1.89 $1.89

$3.19 $3.19

-40.75%

Water (1.5 liter bottle)

$2.02 $2.02

$2.55 $2.55

-20.78%

Cigarettes 20 Pack (Marlboro, Camel)

$8.77 $8.77

$19.09 $19.09

-54.06%

Wine (Bottle)

$12.08 $12.08

$20.24 $20.24

-40.32%

Local Beer (0.5 liter bottle)

$2.60 $2.60

$2.99 $2.99

-13.04%

Imported Beer (0.33 liter bottle)

$3.35 $3.35

$3.87 $3.87

-13.44%

One-way Ticket (Public Transport)

$2.04 $2.04

$2.95 $2.95

-30.85%

Public Transport Monthly Pass (Regular Price)

$131 $131

Taxi Start (Normal Tariff)

$2.82 $2.82

$5.13 $5.13

-45.03%

Taxi (Normal Tariff) (1km)

$1.37 $1.37

$2.20 $2.20

-37.73%

Taxi 1hour Waiting (Normal Tariff)

$29.62 $29.62

$42.64 $42.64

-30.53%

Gasoline (1 liter)

$0.83 $0.83

$0.95 $0.95

-12.63%

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

$34.8K $34.8K

$34.5K $34.5K

0.94%

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

$26.6K $26.6K

$28.2K $28.2K

-5.56%

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

$238 $238

$182 $182

30.85%

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

$45.30 $45.30

$60.1 $60.1

-24.56%

Internet (50+ Mbps, Unlimited Data)

$61.3 $61.3

$61.9 $61.9

-0.98%

Gym Membership (Monthly)

$43.69 $43.69

$140 $140

-68.80%

Tennis Court (1 Hour on Weekend)

$64.4 $64.4

Cinema Ticket

$12.08 $12.08

$20.33 $20.33

-40.58%

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

$1,247 $1,247

$3,222 $3,222

-61.30%

International Primary School, 1 Child (Yearly)

$13.5K $13.5K

$56.2K $56.2K

-76.04%

Jeans (Levis 501 Or Similar)

$44.47 $44.47

$65.9 $65.9

-32.55%

Summer Dress (H&M, Zara, etc)

$35.35 $35.35

$47.20 $47.20

-25.11%

Sport Shoes (Adidas, Nike)

$83.4 $83.4

$111 $111

-24.95%

Men's Leather Business Shoes

$65.4 $65.4

$173 $173

-62.22%

1-bedroom Apartment, City Center (Monthly)

$1,602 $1,602

$4,208 $4,208

-61.93%

1-bedroom Apartment, Outside City Center (Monthly)

$1,334 $1,334

$2,647 $2,647

-49.60%

3-bedroom Apartment, City Center (Monthly)

$2,631 $2,631

$8,415 $8,415

-68.73%

3-bedroom Apartment, Outside City Center (Monthly)

$2,184 $2,184

$5,170 $5,170

-57.75%

Buy Apartment in City Center (m2)

$2,342 $2,342

$20.1K $20.1K

-88.34%

Buy Apartment Outside City Center (m2)

$2,582 $2,582

$8,742 $8,742

-70.47%

Average Monthly Net Salary (After Tax)

$5,144 $5,144

20-Year Fixed Mortgage Interest Rate (Annual %)

6.61

6.44

2.64%

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

Last update for Effingham, IL: April 21, 2026

Last update for New York, NY: April 20, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,602 in Effingham, IL and $4,208 in New York, NY. Housing cost is often the main lever when comparing two cities.

Dining out: $45 in Effingham, IL vs $144 in New York, NY for a mid-range dinner for two. Groceries echo the gap at $374 vs $554 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 New York, NY: Cost of Living - Frequently Asked Questions

Effingham, IL and New York, NY differ by about 73% in total monthly costs ($2,560 vs $4,438 including rent). Effingham, IL is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $3,840 in Effingham, IL and $6,657 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: $1,602 in Effingham, IL versus $4,208 in New York, NY. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 48% higher in New York, NY. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $2,560 per month in Effingham, IL versus $4,438 in New York, NY – a 73% 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 73% less than in New York, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.