Effingham, IL vs Urbana, OH: Cost of Living

Which city costs less?

Urbana, OH has a modeled overall cost index 1.4% lower than Effingham, IL.

Effingham, IL · modeled 2BR rent
$920 / month
Urbana, OH · modeled 2BR rent
$1,040 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

Adjust your income and compare the budget ↓
Tap to swap

Cost of Living Comparison 2026

Compare Effingham, IL and Urbana, OH using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

$
Numbers update automatically as you type

Estimated extra cost: $23.49/month in Urbana, OH

$150,000 in your current city has a modeled equivalent of $150,282 in Urbana, OH

Regional cost estimates: Effingham, IL uses St. Louis, MO. Urbana, OH uses Columbus, OH. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 1.4%
Less expensive
Monthly Impact
$23.49
Extra cost
Annual Impact
$282
Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Effingham, IL

Population:12K
Cost Index:
83.8
100 = national average
Typical Home:$220K

Urbana, OH

Population:11K
Cost Index:
82.7
100 = national average
Typical Home:$228K

Planning the move to Urbana?

Organize packing, address changes, and moving-day tasks with a free checklist. Your progress saves in this browser. No account needed.

Plan my move with the free checklist

Effingham, IL

The Prairie State

12K
Population
State Tax
Yes

Located in Illinois, this city has a population of 12K residents.

Urbana, OH

The Buckeye State

11K
Population
State Tax
Yes

Located in Ohio, this city has a population of 11K residents.

Cost Breakdown by Category

Estimated monthly spending: Effingham, IL vs Urbana, OH

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Other
↓ 7.7%
Effingham, IL
$1,839
Urbana, OH
$1,697
Difference
$141
less
Transportation
↑ 7.1%
Effingham, IL
$1,391
Urbana, OH
$1,489
Difference
$98.56
more
All Utilities
↓ 15.3%
Effingham, IL
$624
Urbana, OH
$528
Difference
$95.64
less
Housing
↑ 4.6%
Effingham, IL
$1,927
Urbana, OH
$2,015
Difference
$88.09
more
Healthcare
↑ 12.6%
Effingham, IL
$614
Urbana, OH
$691
Difference
$77.06
more
Groceries
↓ 0.3%
Effingham, IL
$1,106
Urbana, OH
$1,103
Difference
$3.54
less

🏠Rent Comparison

Studio
From$740
To$730
↓ $10.00
1 Bed
From$750
To$810
↑ $60.00
2 Bed
From$920
To$1,040
↑ $120
3 Bed
From$1,210
To$1,330
↑ $120
Effingham, ILZIP-level data

1BR range: $750–$750/mo

Urbana, OHZIP-level data

1BR range: $810–$810/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500
Monthly in Effingham, IL
$7,523
Monthly in Urbana, OH
$23.49
Difference

Home Values

Effingham
Urbana
$220K
Median Value
$228K
↑ +4.8%
YoY Change
↑ +3.8%
↑ +28.5%
5-Year Change
↑ +39.4%

Homes in Urbana are 4% more expensive than Effingham

Calculate payment - EffinghamCalculate payment - Urbana

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $3.0K
Per year
Monthly Difference
$250
More take-home
Effective Rate Diff
2.0%
Rate difference

Effingham, IL

Federal Income Tax
Effective: 18.9%
$25.5K
Illinois State Tax
Effective: 5.0%
$7.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.6%
$44.4K
Take-Home Pay
$8,797/month
$105.6K

Urbana, OH

Federal Income Tax
Effective: 18.9%
$25.5K
Ohio State Tax
Effective: 3.0%
$4.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 27.6%
$41.4K
Take-Home Pay
$9,047/month
$108.6K

Additional Tax Information

Effingham, IL Tax Rates

Sales Tax:8.8%
Property Tax:2.2%

Urbana, OH Tax Rates

Sales Tax:7.2%
Property Tax:1.6%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Effingham
Urbana
54 Moderate
Air Quality
53 Moderate
38%
Good Air Days
41.3%
99 High
Climate Risk
98 High
🌊🌡🫨
Top Hazards
🌊🌡🌪
▲+3.0°F
2050 Outlook
▲+3.1°F
39 days
Heat Days >95°F
18 days
▲+3.0°F
2050 Outlook
▲+3.1°F
39 days
Heat Days >95°F
18 days

Before moving from Effingham, IL to Urbana, OH

Use this comparison to shortlist a move, then check the costs that depend on your household.

  1. Compare actual homes. Get current quotes in Urbana, OH for the same bedroom count and included utilities as your home in Effingham, IL. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
  3. Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Effingham to Urbana moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Urbana, OH by cost, housing, population and region.

Frequently Asked Questions: Effingham, IL vs Urbana, OH

How do the cost estimates for Effingham, IL and Urbana, OH compare?

Urbana, OH has a modeled overall cost index 1.4% lower than Effingham, IL. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Effingham, IL, the model estimates $150,282 in Urbana, OH. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Effingham, IL and Urbana, OH?

The modeled two-bedroom rents are $920/month in Effingham, IL and $1,040/month in Urbana, OH. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Illinois and Ohio on TaxTakeHome.com

Similar cost to Urbana, OH

Other cities in a similar price range

San Antonio, TXIndianapolis, INColumbus, OH

Want to compare different cities?

New Comparison