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Effingham, IL

Cost of living in Cumberland County, IL

Estimated monthly cost
$2,676/mo
for a single person, all categories combined

Population 10,378 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $665 25%
Healthcare $480 18%
Federal tax $477 18%
Groceries $345 13%
Transport $320 12%
Energy $177 7%
State tax $162 6%
Water $50 2%

Rent in Cumberland County

Fair Market Rents by bedroom count.

Studio
$597
per month
1 bedroom
$665
per month
2 bedroom
$870
per month
3 bedroom
$1,048
per month
4 bedroom
$1,308
per month

Source: HUD FMR FY2025

Income and earnings in Cumberland County

Annual earnings figures from the Census ACS.

Household income
$69,826
per year
Individual earnings
$39,202
per year
Per capita
$36,270
per year

Source: ACS 2019-2023 5-Year.

Home values in Cumberland County

Average values reported by homeowners.

Average home value
$117,700
Annual property tax
$2,068

Source: ACS 2019-2023 5-Year

Energy costs in Cumberland County

Estimated monthly electricity and gas costs.

Electricity
$116
per month · 16.5¢/kWh
Natural gas
$61
per month
Annual total
$2,124
per year

Source: EIA

Healthcare in Cumberland County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
5.6%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Cumberland County

State and local tax rates for Illinois.

State income tax
5.0%
Flat rate
State sales tax
6.3%
Combined sales tax
8.8%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Cumberland County

Commute patterns and estimated costs.

Average commute
24.1 min
Drive alone
82.8%
Public transit
0.0%
Work from home
7.4%

Source: ACS

Monthly cost estimates for Cumberland County

What it costs to live in Cumberland County each month.

Single person
$2,676
per month
  • Rent $665
  • Energy $177
  • Water $50
  • Groceries $345
  • Transport $320
  • Healthcare $480
  • Federal tax $477
  • State tax $162
Couple
$4,099
per month
  • Rent $870
  • Energy $212
  • Water $60
  • Groceries $572
  • Transport $420
  • Healthcare $864
  • Federal tax $813
  • State tax $288
Family
$6,422
per month
  • Rent $1,048
  • Energy $266
  • Water $70
  • Groceries $867
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $813
  • State tax $288

Frequently asked questions about Cumberland County

Common questions about cost of living, rent and salary.

What is the average rent in Cumberland County?

In Cumberland County, IL, a one-bedroom apartment averages $665 per month, a two-bedroom averages $870 per month, a three-bedroom averages $1,048 per month, according to HUD Fair Market Rent data.

What is the average salary in Cumberland County?

In Cumberland County, IL, the average household income is $69,826 per year and individual earnings for full-time workers average $39,202 per year, according to U.S. Census Bureau data.

What is the cost of living in Cumberland County?

The estimated cost of living in Cumberland County, IL is approximately $2,676 per month for a single person, $4,099 for a couple, $6,422 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Cumberland County?

The combined sales tax rate in Cumberland County, IL is 8.82%, which includes the Illinois state rate of 6.25% plus an average local rate of 2.57%.

Is Cumberland County an affordable place to live?

Based on the data, a single person in Cumberland County, IL would need approximately $2,676 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $69,826 per year ($5,819 per month). Cumberland County is relatively affordable compared to the national average.

How much does healthcare cost in Cumberland County?

The ACA marketplace benchmark premium in Cumberland County, IL is approximately $480 per month for an individual. Approximately 5.6% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Cumberland County?

The average home value in Cumberland County, IL is $117,700, with average annual property taxes of $2,068, according to U.S. Census Bureau data.

How does Cumberland County compare to other areas?

You can compare Cumberland County, IL with any other US county using our comparison tool at /compare. Cumberland County is in the Effingham, IL metro area.

Other counties in Illinois

Browse the full list of counties in Illinois, ranked by cost of living.

See all counties in Illinois

Compare Cumberland County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources