Last update: Oct 2026

Cost of Living Comparison Between Effingham, IL and Toronto

For one person, living costs are similar in Effingham, IL and in Toronto: $2,500 and $2,610 a month, rent and utilities included.

121

Cost of Living Index in Effingham, IL
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Effingham, IL Living Index
126

Cost of Living Index in Toronto
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Toronto Living Index

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Effingham, IL

🇺🇸 United States

$2,500

/mo nomad

Toronto

🇨🇦 Canada

$2,610

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $2,500 in Effingham, IL versus $2,610 in Toronto.

Effingham, IL $2,500
Toronto $2,610

Estimated couple costs with rent: $3,556 in Effingham, IL versus $3,727 in Toronto.

Effingham, IL $3,556
Toronto $3,727

Monthly costs for a family of three with rent: $4,612 in Effingham, IL versus $4,844 in Toronto.

Effingham, IL $4,612
Toronto $4,844

Living in Effingham, IL costs roughly 4% less than in Toronto, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Effingham, IL 84% above, Toronto 93% above.

Meal at Budget Restaurant

$15.06 $15.06

$17.59 CA$24.87

-14.38%

Three-Course Dinner for Two, Mid-Range

$44.89 $44.89

$78.8 CA$111

-43.05%

Fast Food Meal (McDonalds, etc)

$11.95 $11.95

$10.73 CA$15.16

11.37%

Cappuccino

$5.53 $5.53

$4.09 CA$5.78

35.21%

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

$3.21 $3.21

$2.10 CA$2.97

52.86%

Water (0.33 liter bottle)

$2.66 $2.66

$1.72 CA$2.43

54.65%

Local Beer (0.5 liter draught)

$5.05 $5.05

$6.36 CA$8.99

-20.60%

Imported Beer (0.33 liter bottle)

$7.04 $7.04

$7.08 CA$10.01

-0.56%

Milk (1 liter)

$0.89 $0.89

$2.54 CA$3.59

-64.96%

White Bread (500g)

$3.40 $3.40

$2.72 CA$3.85

25.00%

Rice (white) (1kg)

$4.48 $4.48

$2.18 CA$3.09

105.50%

Eggs

$3.67 $3.67

$3.63 CA$5.13

1.10%

Local Cheese (1kg)

$12.49 $12.49

$9.46 CA$13.37

32.03%

Chicken Fillets (1kg)

$10.81 $10.81

$11.54 CA$16.32

-6.33%

Beef Round Steak (1kg)

$16.77 $16.77

$14.37 CA$20.32

16.70%

Apples (1kg)

$5.72 $5.72

$3.70 CA$5.23

54.59%

Banana (1kg)

$1.45 $1.45

$1.19 CA$1.68

21.85%

Oranges (1kg)

$4.72 $4.72

$3.46 CA$4.90

36.42%

Tomato (1kg)

$4.37 $4.37

$4.22 CA$5.97

3.55%

Potato (1kg)

$2.23 $2.23

$1.79 CA$2.52

24.58%

Onion (1kg)

$1.08 $1.08

$1.65 CA$2.33

-34.55%

Lettuce (1 head)

$2.45 $2.45

$2.20 CA$3.11

11.36%

Water (1.5 liter bottle)

$2.43 $2.43

$1.26 CA$1.78

92.86%

Cigarettes 20 Pack (Marlboro, Camel)

$10.84 $10.84

$13.97 CA$19.75

-22.41%

Wine (Bottle)

$11.88 $11.88

$14.20 CA$20.07

-16.34%

Local Beer (0.5 liter bottle)

$2.00 $2.00

$2.25 CA$3.18

-11.11%

Imported Beer (0.33 liter bottle)

$3.64 $3.64

$2.53 CA$3.58

43.87%

One-way Ticket (Public Transport)

$1.84 $1.84

$2.32 CA$3.28

-20.69%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

Taxi Start (Normal Tariff)

$1.95 $1.95

$3.06 CA$4.33

-36.27%

Taxi (Normal Tariff) (1km)

$1.76 $1.76

$1.22 CA$1.72

44.26%

Taxi 1hour Waiting (Normal Tariff)

$33.78 $33.78

$21.69 CA$30.66

55.74%

Gasoline (1 liter)

$0.99 $0.99

$1.21 CA$1.72

-18.18%

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

$30.1K $30.1K

$26.1K CA$37.0K

15.11%

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

$26.2K $26.2K

$21.1K CA$29.9K

24.05%

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

$229 $229

$120 CA$169

91.80%

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

$44.95 $44.95

$32.21 CA$45.54

39.55%

Internet (50+ Mbps, Unlimited Data)

$65.4 $65.4

$48.88 CA$69.1

33.84%

Gym Membership (Monthly)

$41.33 $41.33

$39.34 CA$55.6

5.06%

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

Cinema Ticket

$14.98 $14.98

$12.58 CA$17.79

19.08%

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

$1,729 $1,729

$832 CA$1,176

107.81%

International Primary School, 1 Child (Yearly)

$24.1K $24.1K

$23.6K CA$33.4K

2.13%

Jeans (Levis 501 Or Similar)

$45.09 $45.09

$52.3 CA$73.9

-13.75%

Summer Dress (H&M, Zara, etc)

$35.03 $35.03

$39.44 CA$55.8

-11.18%

Sport Shoes (Adidas, Nike)

$85.7 $85.7

$99.0 CA$140

-13.48%

Men's Leather Business Shoes

$65.2 $65.2

$122 CA$172

-46.53%

1-bedroom Apartment, City Center (Monthly)

$1,628 $1,628

$1,631 CA$2,306

-0.21%

1-bedroom Apartment, Outside City Center (Monthly)

$1,297 $1,297

$1,448 CA$2,048

-10.45%

3-bedroom Apartment, City Center (Monthly)

$2,487 $2,487

$2,737 CA$3,869

-9.12%

3-bedroom Apartment, Outside City Center (Monthly)

$2,146 $2,146

$2,129 CA$3,010

0.77%

Buy Apartment in City Center (m2)

$2,804 $2,804

$8,206 CA$11.6K

-65.83%

Buy Apartment Outside City Center (m2)

$2,326 $2,326

$6,838 CA$9,666

-65.99%

Average Monthly Net Salary (After Tax)

$3,520 CA$4,976

20-Year Fixed Mortgage Interest Rate (Annual %)

6.57

4.47

46.98%

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

Last update for Effingham, IL: October 17, 2026

Last update for Toronto: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Effingham, IL

$1.3K 51.9%

Toronto

$1.4K 55.5% 11.7% $151

Groceries & Markets

Effingham, IL

$384 15.4%

Toronto

$343 13.1% 10.7% $41

Monthly Utilities & Internet

Effingham, IL

$340 13.6%

Toronto

$201 7.7% 40.9% $139

Eating Out

Effingham, IL

$285 11.4%

Toronto

$283 10.9% 0.8% $2.3

Clothing & Footwear

Effingham, IL

$104 4.2%

Toronto

$141 5.4% 35.4% $37

Sport & Entertainment

Effingham, IL

$71 2.9%

Toronto

$65 2.5% 9.5% $6.8

Getting Around

Effingham, IL

$18 * 0.7%

Toronto

$130 5% 618% $112

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 $1,631 in Toronto. Housing cost is often the main lever when comparing two cities.

Dining out: $45.00 in Effingham, IL vs $79.0 in Toronto. Groceries flip the comparison at $384 vs $343, with Toronto cheaper for home cooking.

Good to know

🇺🇸 Effingham, IL

🇨🇦 Toronto

🕒 Local time

14:59 2:59 PM

15:59 3:59 PM

1 h ahead of Effingham, IL

🌤 Weather

👥 Population

12,447

2,731,571

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.89 EUR

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

Exchange rates and currency converter

CAD, EUR to USD – United States Dollar Converter

🇨🇦 Canadian Dollar ($)

🇺🇸 United States Dollar ($)

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

Canadian Dollar exchange rates as of October 20, 2026: 1 USD = 1.41 CAD (1 CAD = 0.707 USD). 1 EUR = 1.59 CAD (1 CAD = 0.629 EUR).

CAD to USD in detail →

On the map

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Between locations

Effingham, IL Toronto 910 km ≈ 1 h 45 min nonstop flight

From you

Effingham, IL
Toronto

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 Toronto: Cost of Living - Frequently Asked Questions

Effingham, IL and Toronto differ by about 4% in total monthly costs ($2,500 vs $2,610 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 $3,916 in Toronto 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 $1,631 in Toronto. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Toronto pay roughly 12% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

All in, you'll spend $2,500 per month in Effingham, IL versus $2,610 in Toronto – a 4% 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 4% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.