Cost of Living Comparison Between Seattle, WA and Effingham, IL Cost of Living Comparison Between Seattle, WA and Effingham, IL

Monthly Cost of Living

Monthly costs for one person with rent: $3,661 in Seattle, WA versus $2,560 in Effingham, IL.

Estimated couple costs with rent: $5,544 in Seattle, WA versus $3,554 in Effingham, IL.

Monthly costs for a family of three with rent: $7,427 in Seattle, WA versus $4,549 in Effingham, IL.

Living in Seattle, WA is roughly 43% more expensive than Effingham, IL, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Seattle, WA 173% above, Effingham, IL 91% above.

Meal at Budget Restaurant

$25.32 $25.32

$15.07 $15.07

68.02%

Three-Course Dinner for Two, Mid-Range

$121 $121

$45.36 $45.36

167.17%

Fast Food Meal (McDonalds, etc)

$14.11 $14.11

$9.82 $9.82

43.69%

Cappuccino

$5.82 $5.82

$5.36 $5.36

8.58%

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

$2.98 $2.98

$2.40 $2.40

24.17%

Water (0.33 liter bottle)

$2.40 $2.40

$1.94 $1.94

23.71%

Local Beer (0.5 liter draught)

$7.73 $7.73

$5.03 $5.03

53.68%

Imported Beer (0.33 liter bottle)

$7.87 $7.87

$7.07 $7.07

11.32%

Milk (1 liter)

$1.34 $1.34

$0.55 $0.55

143.64%

White Bread (500g)

$4.91 $4.91

$2.73 $2.73

79.85%

Rice (white) (1kg)

$5.14 $5.14

$4.30 $4.30

19.53%

Eggs

$6.57 $6.57

$3.07 $3.07

114.01%

Local Cheese (1kg)

$24.64 $24.64

$15.73 $15.73

56.64%

Chicken Fillets (1kg)

$15.88 $15.88

$11.00 $11.00

44.36%

Beef Round Steak (1kg)

$20.14 $20.14

$14.24 $14.24

41.43%

Apples (1kg)

$6.27 $6.27

$5.51 $5.51

13.79%

Banana (1kg)

$2.86 $2.86

$1.51 $1.51

89.40%

Oranges (1kg)

$5.29 $5.29

$4.25 $4.25

24.47%

Tomato (1kg)

$6.39 $6.39

$5.77 $5.77

10.75%

Potato (1kg)

$3.21 $3.21

$2.23 $2.23

43.95%

Onion (1kg)

$3.83 $3.83

$1.08 $1.08

254.63%

Lettuce (1 head)

$2.74 $2.74

$1.89 $1.89

44.97%

Water (1.5 liter bottle)

$2.58 $2.58

$2.02 $2.02

27.72%

Cigarettes 20 Pack (Marlboro, Camel)

$11.64 $11.64

$8.77 $8.77

32.73%

Wine (Bottle)

$15.77 $15.77

$12.08 $12.08

30.55%

Local Beer (0.5 liter bottle)

$2.88 $2.88

$2.60 $2.60

10.77%

Imported Beer (0.33 liter bottle)

$4.39 $4.39

$3.35 $3.35

31.04%

One-way Ticket (Public Transport)

$2.76 $2.76

$2.04 $2.04

35.29%

Public Transport Monthly Pass (Regular Price)

$98.8 $98.8

Taxi Start (Normal Tariff)

$2.67 $2.67

$2.82 $2.82

-5.32%

Taxi (Normal Tariff) (1km)

$1.70 $1.70

$1.37 $1.37

24.09%

Taxi 1hour Waiting (Normal Tariff)

$29.74 $29.74

$29.62 $29.62

0.41%

Gasoline (1 liter)

$1.14 $1.14

$0.83 $0.83

37.35%

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

$32.9K $32.9K

$34.8K $34.8K

-5.51%

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

$26.0K $26.0K

$26.6K $26.6K

-2.60%

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

$268 $268

$238 $238

12.69%

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

$60.9 $60.9

$45.30 $45.30

34.50%

Internet (50+ Mbps, Unlimited Data)

$76.2 $76.2

$61.3 $61.3

24.27%

Gym Membership (Monthly)

$78.1 $78.1

$43.69 $43.69

78.64%

Tennis Court (1 Hour on Weekend)

$40.15 $40.15

Cinema Ticket

$15.82 $15.82

$12.08 $12.08

30.96%

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

$2,252 $2,252

$1,247 $1,247

80.63%

International Primary School, 1 Child (Yearly)

$29.7K $29.7K

$13.5K $13.5K

120.52%

Jeans (Levis 501 Or Similar)

$70.8 $70.8

$44.47 $44.47

59.14%

Summer Dress (H&M, Zara, etc)

$53.1 $53.1

$35.35 $35.35

50.33%

Sport Shoes (Adidas, Nike)

$117 $117

$83.4 $83.4

40.59%

Men's Leather Business Shoes

$139 $139

$65.4 $65.4

111.95%

1-bedroom Apartment, City Center (Monthly)

$2,310 $2,310

$1,602 $1,602

44.17%

1-bedroom Apartment, Outside City Center (Monthly)

$1,849 $1,849

$1,334 $1,334

38.62%

3-bedroom Apartment, City Center (Monthly)

$4,739 $4,739

$2,631 $2,631

80.08%

3-bedroom Apartment, Outside City Center (Monthly)

$3,556 $3,556

$2,184 $2,184

62.80%

Buy Apartment in City Center (m2)

$7,775 $7,775

$2,342 $2,342

231.94%

Buy Apartment Outside City Center (m2)

$5,351 $5,351

$2,582 $2,582

107.23%

Average Monthly Net Salary (After Tax)

$6,575 $6,575

20-Year Fixed Mortgage Interest Rate (Annual %)

6.42

6.61

-2.87%

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

Last update for Seattle, WA: April 21, 2026

Last update for Effingham, IL: April 21, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $2,310 in Seattle, WA and $1,602 in Effingham, IL. Housing cost is often the main lever when comparing two cities.

Dining out: $121 in Seattle, WA vs $45 in Effingham, IL for a mid-range dinner for two. Groceries echo the gap at $539 vs $374 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

Seattle, WA vs Effingham, IL: Cost of Living - Frequently Asked Questions

Seattle, WA and Effingham, IL differ by about 43% in total monthly costs ($3,661 vs $2,560 including rent). Effingham, IL is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $5,491 in Seattle, WA and $3,840 in Effingham, IL 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: $2,310 in Seattle, WA versus $1,602 in Effingham, IL. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 44% higher in Seattle, WA. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $3,661 per month in Seattle, WA versus $2,560 in Effingham, IL – a 43% 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 43% less than in Seattle, WA. Beyond cost, consider language, visa policies, and how big the international community is in each city.