Cost of Living in Effingham, KS

With a cost of living index of 65, Effingham, KS is one of the most affordable cities in the country. Living here is 35% cheaper than the national average and 7% below the Kansas state average of 72. Effingham is a small community of 644 residents.

Housing costs are the biggest factor in Effingham's cost of living. The median monthly rent is $846 (36% below the US median of $1,319), and the median home value sits at $99,900 (67% below the national median of $304,900). At current prices, the median home costs roughly 1.6x the median household income — well within traditional affordability guidelines.

The median household income in Effingham is $63,750, which is 15% lower than the national median of $75,149. Residents spend roughly 16% of household income on rent. This is a comfortable ratio, well below the 30% threshold that financial experts recommend as a maximum. Lower incomes here are balanced by the significantly lower cost of living, stretching each dollar further.

Climate is another factor for anyone considering a move to Effingham. The area sees an average annual temperature of 53.7°F, with summers averaging 76°F and winters around 30°F. Annual rainfall totals 34.8 inches spread over roughly 99 days.

Data sources: US Census Bureau (ACS 2023), Zillow Home Values, HUD Fair Market Rents, BEA Regional Price Parities, BLS Average Prices, and NOAA Climate Normals. Updated monthly.