Effingham, IL vs O'Fallon, IL

There is a significant gap in the cost of living between these two cities. Effingham is 28.4% cheaper than O'Fallon. With a cost index of 68 vs 96, the difference would have a meaningful impact on a household's monthly budget. Someone relocating from Effingham to O'Fallon should plan for substantially higher expenses across most categories.

On the housing front, median rent in Effingham is $696/month compared to $1,312/month in O'Fallon — a 47% difference. Home values follow the same pattern: Effingham is more affordable at $166,700 median vs $274,100.

Median household income in Effingham is $65,718 compared to $102,793 in O'Fallon (-36.1%). While O'Fallon is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Effingham spend roughly 12.7% of their income on rent, less than the 15.3% in O'Fallon.

Climate-wise, O'Fallon is notably warmer with an average of 57.7°F compared to 53.4°F in Effingham. O'Fallon receives more rainfall at 43.4" per year compared to 36" in Effingham.