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Effingham, IL

Cost of living in Effingham County, IL

Estimated monthly cost
$2,785/mo
for a single person, all categories combined

Population 34,505 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $679 24%
Federal tax $553 20%
Healthcare $480 17%
Groceries $345 12%
Transport $320 11%
State tax $181 6%
Energy $177 6%
Water $50 2%

Rent in Effingham County

Fair Market Rents by bedroom count.

Studio
$674
per month
1 bedroom
$679
per month
2 bedroom
$870
per month
3 bedroom
$1,160
per month
4 bedroom
$1,272
per month

Source: HUD FMR FY2025

Income and earnings in Effingham County

Annual earnings figures from the Census ACS.

Household income
$75,380
per year
Individual earnings
$43,882
per year
Per capita
$38,582
per year

Source: ACS 2019-2023 5-Year.

Home values in Effingham County

Average values reported by homeowners.

Average home value
$179,800
Annual property tax
$2,713

Source: ACS 2019-2023 5-Year

Energy costs in Effingham 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 Effingham County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
5.0%

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 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 Effingham County

Commute patterns and estimated costs.

Average commute
18.3 min
Drive alone
79.6%
Public transit
0.3%
Work from home
10.9%

Source: ACS

Monthly cost estimates for Effingham County

What it costs to live in Effingham County each month.

Single person
$2,785
per month
  • Rent $679
  • Energy $177
  • Water $50
  • Groceries $345
  • Transport $320
  • Healthcare $480
  • Federal tax $553
  • State tax $181
Couple
$4,213
per month
  • Rent $870
  • Energy $212
  • Water $60
  • Groceries $572
  • Transport $420
  • Healthcare $864
  • Federal tax $904
  • State tax $311
Family
$6,648
per month
  • Rent $1,160
  • Energy $266
  • Water $70
  • Groceries $867
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $904
  • State tax $311

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, IL, a one-bedroom apartment averages $679 per month, a two-bedroom averages $870 per month, a three-bedroom averages $1,160 per month, according to HUD Fair Market Rent data.

What is the average salary in Effingham County?

In Effingham County, IL, the average household income is $75,380 per year and individual earnings for full-time workers average $43,882 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, IL is approximately $2,785 per month for a single person, $4,213 for a couple, $6,648 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, IL is 8.82%, which includes the Illinois state rate of 6.25% plus an average local rate of 2.57%.

Is Effingham County an affordable place to live?

Based on the data, a single person in Effingham County, IL would need approximately $2,785 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $75,380 per year ($6,282 per month). Effingham County is relatively affordable compared to the national average.

How much does healthcare cost in Effingham County?

The ACA marketplace benchmark premium in Effingham County, IL is approximately $480 per month for an individual. Approximately 5.0% 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, IL is $179,800, with average annual property taxes of $2,713, according to U.S. Census Bureau data.

How does Effingham County compare to other areas?

You can compare Effingham County, IL with any other US county using our comparison tool at /compare. Effingham 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 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