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Savannah, GA

Cost of living in Effingham County, GA

Part of the Savannah Metro Area

Estimated monthly cost
$3,621/mo
for a single person, all categories combined

Population 67,265 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,431 40%
Federal tax $594 16%
Healthcare $480 13%
Groceries $324 9%
Transport $320 9%
State tax $212 6%
Energy $205 6%
Water $55 2%

Rent in Effingham County

Fair Market Rents by bedroom count.

Studio
$1,324
per month
1 bedroom
$1,431
per month
2 bedroom
$1,584
per month
3 bedroom
$2,131
per month
4 bedroom
$2,459
per month

Source: HUD FMR FY2025

Income and earnings in Effingham County

Annual earnings figures from the Census ACS.

Household income
$85,465
per year
Individual earnings
$46,383
per year
Per capita
$37,841
per year

Source: ACS 2019-2023 5-Year.

Home values in Effingham County

Average values reported by homeowners.

Average home value
$245,300
Annual property tax
$2,344

Source: ACS 2019-2023 5-Year

Energy costs in Effingham County

Estimated monthly electricity and gas costs.

Electricity
$163
per month · 14.8¢/kWh
Natural gas
$42
per month
Annual total
$2,460
per year

Source: EIA

Healthcare in Effingham County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
9.6%

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 Effingham County

State and local tax rates for Georgia.

State income tax
5.5%
Flat rate
State sales tax
4.0%
Combined sales tax
7.4%
incl. average local

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

Transportation in Effingham County

Commute patterns and estimated costs.

Average commute
31.1 min
Drive alone
86.3%
Public transit
0.5%
Work from home
4.8%

Source: ACS

Monthly cost estimates for Effingham County

What it costs to live in Effingham County each month.

Single person
$3,621
per month
  • Rent $1,431
  • Energy $205
  • Water $55
  • Groceries $324
  • Transport $320
  • Healthcare $480
  • Federal tax $594
  • State tax $212
Couple
$5,176
per month
  • Rent $1,584
  • Energy $246
  • Water $65
  • Groceries $537
  • Transport $420
  • Healthcare $864
  • Federal tax $1,069
  • State tax $391
Family
$7,859
per month
  • Rent $2,131
  • Energy $308
  • Water $75
  • Groceries $815
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,069
  • State tax $391

Frequently asked questions about Effingham County

Common questions about cost of living, rent and salary.

What is the average rent in Effingham County?

In Effingham County, GA, a one-bedroom apartment averages $1,431 per month, a two-bedroom averages $1,584 per month, a three-bedroom averages $2,131 per month, according to HUD Fair Market Rent data.

What is the average salary in Effingham County?

In Effingham County, GA, the average household income is $85,465 per year and individual earnings for full-time workers average $46,383 per year, according to U.S. Census Bureau data.

What is the cost of living in Effingham County?

The estimated cost of living in Effingham County, GA is approximately $3,621 per month for a single person, $5,176 for a couple, $7,859 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Effingham County?

The combined sales tax rate in Effingham County, GA is 7.38%, which includes the Georgia state rate of 4.00% plus an average local rate of 3.38%.

Is Effingham County an affordable place to live?

Based on the data, a single person in Effingham County, GA would need approximately $3,621 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $85,465 per year ($7,122 per month). Effingham County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Effingham County?

The ACA marketplace benchmark premium in Effingham County, GA is approximately $480 per month for an individual. Approximately 9.6% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Effingham County?

The average home value in Effingham County, GA is $245,300, with average annual property taxes of $2,344, according to U.S. Census Bureau data.

How does Effingham County compare to other areas?

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

Other counties in Georgia

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

See all counties in Georgia

Compare Effingham 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