Last update: Oct 2026

Cost of Living Comparison Between Toronto and Effingham, IL

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

126

Cost of Living Index in Toronto
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Toronto Living Index
121

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

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Toronto

🇨🇦 Canada

$2,610

/mo nomad

Effingham, IL

🇺🇸 United States

$2,500

/mo nomad

Monthly Cost of Living

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

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Toronto and in Effingham, IL actually costs, broken down by who's living it.

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

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

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

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

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

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

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

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

Meal at Budget Restaurant

$17.59 CA$24.87

$15.06 $15.06

16.80%

Three-Course Dinner for Two, Mid-Range

$78.8 CA$111

$44.89 $44.89

75.58%

Fast Food Meal (McDonalds, etc)

$10.73 CA$15.16

$11.95 $11.95

-10.21%

Cappuccino

$4.09 CA$5.78

$5.53 $5.53

-26.04%

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

$2.10 CA$2.97

$3.21 $3.21

-34.58%

Water (0.33 liter bottle)

$1.72 CA$2.43

$2.66 $2.66

-35.34%

Local Beer (0.5 liter draught)

$6.36 CA$8.99

$5.05 $5.05

25.94%

Imported Beer (0.33 liter bottle)

$7.08 CA$10.01

$7.04 $7.04

0.57%

Milk (1 liter)

$2.54 CA$3.59

$0.89 $0.89

185.39%

White Bread (500g)

$2.72 CA$3.85

$3.40 $3.40

-20.00%

Rice (white) (1kg)

$2.18 CA$3.09

$4.48 $4.48

-51.34%

Eggs

$3.63 CA$5.13

$3.67 $3.67

-1.09%

Local Cheese (1kg)

$9.46 CA$13.37

$12.49 $12.49

-24.26%

Chicken Fillets (1kg)

$11.54 CA$16.32

$10.81 $10.81

6.75%

Beef Round Steak (1kg)

$14.37 CA$20.32

$16.77 $16.77

-14.31%

Apples (1kg)

$3.70 CA$5.23

$5.72 $5.72

-35.31%

Banana (1kg)

$1.19 CA$1.68

$1.45 $1.45

-17.93%

Oranges (1kg)

$3.46 CA$4.90

$4.72 $4.72

-26.69%

Tomato (1kg)

$4.22 CA$5.97

$4.37 $4.37

-3.43%

Potato (1kg)

$1.79 CA$2.52

$2.23 $2.23

-19.73%

Onion (1kg)

$1.65 CA$2.33

$1.08 $1.08

52.78%

Lettuce (1 head)

$2.20 CA$3.11

$2.45 $2.45

-10.20%

Water (1.5 liter bottle)

$1.26 CA$1.78

$2.43 $2.43

-48.15%

Cigarettes 20 Pack (Marlboro, Camel)

$13.97 CA$19.75

$10.84 $10.84

28.87%

Wine (Bottle)

$14.20 CA$20.07

$11.88 $11.88

19.53%

Local Beer (0.5 liter bottle)

$2.25 CA$3.18

$2.00 $2.00

12.50%

Imported Beer (0.33 liter bottle)

$2.53 CA$3.58

$3.64 $3.64

-30.49%

One-way Ticket (Public Transport)

$2.32 CA$3.28

$1.84 $1.84

26.09%

Public Transport Monthly Pass (Regular Price)

$112 CA$158

Taxi Start (Normal Tariff)

$3.06 CA$4.33

$1.95 $1.95

56.92%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.72

$1.76 $1.76

-30.68%

Taxi 1hour Waiting (Normal Tariff)

$21.69 CA$30.66

$33.78 $33.78

-35.79%

Gasoline (1 liter)

$1.21 CA$1.72

$0.99 $0.99

22.22%

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

$26.1K CA$37.0K

$30.1K $30.1K

-13.13%

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

$21.1K CA$29.9K

$26.2K $26.2K

-19.39%

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

$120 CA$169

$229 $229

-47.86%

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

$32.21 CA$45.54

$44.95 $44.95

-28.34%

Internet (50+ Mbps, Unlimited Data)

$48.88 CA$69.1

$65.4 $65.4

-25.28%

Gym Membership (Monthly)

$39.34 CA$55.6

$41.33 $41.33

-4.81%

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

Cinema Ticket

$12.58 CA$17.79

$14.98 $14.98

-16.02%

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

$832 CA$1,176

$1,729 $1,729

-51.88%

International Primary School, 1 Child (Yearly)

$23.6K CA$33.4K

$24.1K $24.1K

-2.08%

Jeans (Levis 501 Or Similar)

$52.3 CA$73.9

$45.09 $45.09

15.95%

Summer Dress (H&M, Zara, etc)

$39.44 CA$55.8

$35.03 $35.03

12.59%

Sport Shoes (Adidas, Nike)

$99.0 CA$140

$85.7 $85.7

15.59%

Men's Leather Business Shoes

$122 CA$172

$65.2 $65.2

87.04%

1-bedroom Apartment, City Center (Monthly)

$1,631 CA$2,306

$1,628 $1,628

0.21%

1-bedroom Apartment, Outside City Center (Monthly)

$1,448 CA$2,048

$1,297 $1,297

11.67%

3-bedroom Apartment, City Center (Monthly)

$2,737 CA$3,869

$2,487 $2,487

10.04%

3-bedroom Apartment, Outside City Center (Monthly)

$2,129 CA$3,010

$2,146 $2,146

-0.76%

Buy Apartment in City Center (m2)

$8,206 CA$11.6K

$2,804 $2,804

192.64%

Buy Apartment Outside City Center (m2)

$6,838 CA$9,666

$2,326 $2,326

193.99%

Average Monthly Net Salary (After Tax)

$3,520 CA$4,976

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.57

-31.96%

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

Last update for Toronto: October 18, 2026

Last update for Effingham, IL: October 17, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 55.5%

Effingham, IL

$1.3K 51.9% 10.4% $151

Groceries & Markets

Toronto

$343 13.1%

Effingham, IL

$384 15.4% 12% $41

Eating Out

Toronto

$283 10.9%

Effingham, IL

$285 11.4% 0.8% $2.3

Monthly Utilities & Internet

Toronto

$201 7.7%

Effingham, IL

$340 13.6% 69.3% $139

Clothing & Footwear

Toronto

$141 5.4%

Effingham, IL

$104 4.2% 26.1% $37

Getting Around

Toronto

$130 5%

Effingham, IL

$18 * 0.7% 86.1% $112

Sport & Entertainment

Toronto

$65 2.5%

Effingham, IL

$71 2.9% 10.5% $6.8

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 $1,631 in Toronto and $1,628 in Effingham, IL. Housing cost is often the main lever when comparing two cities.

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

Good to know

🇨🇦 Toronto

🇺🇸 Effingham, IL

🕒 Local time

17:57 5:57 PM

16:57 4:57 PM

1 h behind Toronto

🌤 Weather

👥 Population

2,731,571

12,447

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

1 USD = 0.89 EUR

Exchange rates and currency converter

USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

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).

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

USD to CAD in detail →

On the map

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Between locations

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

From you

Toronto
Effingham, IL

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

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

Toronto and Effingham, IL differ by about 4% in total monthly costs ($2,610 vs $2,500 including rent). Effingham, IL is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $3,916 in Toronto and $3,750 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: $1,631 in Toronto versus $1,628 in Effingham, IL. 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 $2,610 per month in Toronto versus $2,500 in Effingham, IL – 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.