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County in Illinois

Effingham County, Illinois

Effingham County is a county in Illinois with 34,522 residents, No. 41 of 102 by population. In Effingham County, the FHA loan limit for a one-unit home is $541,287, and a typical home is worth $189,500. To rent a 2-bedroom apartment at Fair Market Rent ($930 a month) without going over 30% of your income, you need to earn about $17.88 an hour.

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  • Typical home price

    $189,500

    −28% vs. Illinois −43% vs. U.S.

    Half of owner-occupied homes are worth more and half are worth less.

    • Effingham
    • Illinois
    • United States

    Source: U.S. Census Bureau, Average 2020–2024

  • Fair market rent, 2 bedrooms

    $930 a month

    −46% vs. Illinois −47% vs. U.S.

    HUD's reference rent for a two-bedroom apartment, with basic utilities.

    • Effingham
    • Illinois
    • United States

    Source: HUD, Fiscal year 2027

  • FHA limit 2026, 1 unit

    $541,287

    FHA national floor limit

    The most you can borrow with an FHA loan for a one-unit home here.

    • Effingham
    • Floor
    • Ceiling

    Source: HUD, 2026 data

  • Property tax

    1.49% of value per year

    −26% vs. Illinois +59% vs. U.S.

    $2,823 a year for the typical owner

    • Effingham
    • Illinois
    • United States

    Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$218,457
3.5% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Data from October 2026

In short

What is housing like in Effingham County today?

With an FHA loan and the minimum down payment, a typical home would cost about $1,659 a month: 25% of the typical household income here. The typical home value is 28% less than in Illinois overall. 78% of households own their home, more than in Illinois (67%). The typical property tax is $2,823 a year (about 1.49% of home value), lower than in Illinois.

33% of renter households spend 30% or more of their income on housing, less than in Illinois (48%).

Sources: U.S. Census Bureau (Average 2020–2024).

Only here

What sets Effingham County apart

  1. Effingham County has the lowest typical rent in its area: $733, less than any of its 6 neighboring counties; next is Clay County ($735).

  2. Effingham County has the highest typical home value in its area: $189,500, more than any of its 6 neighboring counties; next is Shelby County ($137,100).

  3. From 2020 to 2025, home prices in Effingham County rose 45% on FHFA's index, about the same as in Illinois (47%).

Sources: U.S. Census Bureau (Average 2020–2024); FHFA (2025 data).

The homes here

Housing in Effingham County

What homes there are in Effingham County, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses, standing on their own, make up 79% of homes here, against 58% in Illinois.

Mobile homes are 7% of homes in Effingham County, more than in Illinois (2%).

Year built

Here half of the homes date from 1978 or later; in Illinois, from 1971 or later.

There is more room for a big family here: 67% of homes have 3 bedrooms or more, against 58% in Illinois.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

By price, most homes in Effingham County sit under the FHA limit for this county ($541,287): about 92%.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for this county is $930; about 70% of rents in Effingham County are below it.

With a mortgage

$1,427 a month

Illinois: $1,987 a month

Without a mortgage

$616 a month

Illinois: $792 a month

Owners with a mortgage

53%

Illinois: 61%

In Effingham County, 53% of owners have a mortgage, and their typical cost is $1,427 a month, against $1,987 in Illinois. Without one it drops to $616.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Effingham County rose 32%; in Illinois, it rose 35%.

The typical rent in Effingham County rose 13% over the same time; in Illinois, it rose 26%.

Income in Effingham County grew faster than housing: it rose 42%, while home values changed +32% and rent +13%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureEffingham CountyIllinoisUnited States
Rental vacancy Unreliable estimate5.0%5.5%
Homeowner vacancy Unreliable estimate1.0%0.9%
More than one person per room 3.1%2.5%3.4%
People per household 2.442.462.53
Drive alone 80%66%69%
Carpool 6%8%9%
Public transit Unreliable estimate6%3%
Walk or bike 2%3%3%
Work from home 12%16%15%
Other means 1%1%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes

Much as in Illinois, 3.1% of households in Effingham County have more than one person per room.

Much as in Illinois, a household in Effingham County has 2.44 people on average.

To get to work, 80% of workers in Effingham County drive alone; in Illinois, 66%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month in Effingham County?

A typical home is within reach of the typical income

We start with a typical home of $189,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income here, which is $80,404 a year.

Your numbers

Local data
$

Starts at the typical home value in Effingham County. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $6,633 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,659

at 7.18% · 30 years

Loan amount
$186,067
Total interest
$267,707
Paid off in
November 2056

Includes $3,200 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,876 a month

    Your payment · 25%

  • Tight

    $1,876 to $2,412 a month

  • Hard

    more than $2,412 a month

Compared with the typical household income in Effingham County ($80,404 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,659
Principal & interest$1,260
Property tax$235
Home insurance$79
FHA mortgage insurance (MIP)$84

You need at least $6,633 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

Buying a home

Buying a home in Effingham County

Here you'll see how prices have changed, how Effingham County compares with Illinois and the country, and what you'd pay each month with four kinds of loans.

How have home prices changed?

According to the FHFA House Price Index, home prices in Effingham County rose 64% in the 10 years through 2025. FHFA's index follows the price of the same homes over the years.

Period Here Illinois United States
In 2025 +8.1% +5.7% +2.9%
5 years (2020–2025) +45% +47% +47%
10 years (2015–2025) +64% +65% +85%
See each year's change

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Effingham County compared with Illinois and the United States

Home value, rent and household income, side by side. "Typical" is the median: half are above it and half below.

Typical home value
  • Effingham $189,500
  • Illinois $263,300
  • United States $332,700
Typical rent a month
  • Effingham $733
  • Illinois $1,274
  • United States $1,413
Typical household income a year
  • Effingham $80,404
  • Illinois $83,390
  • United States $80,734
See the full table
Effingham compared with Illinois and the United States
MeasureHereIllinoisU.S.
Residents34,52212,694,798334,922,499
Typical home value$189,500$263,300$332,700
Typical household income$80,404$83,390$80,734
Typical rent$733$1,274$1,413
Fair Market Rent (2 bedrooms)$930$1,724$1,750
Hourly wage to rent a 2-bedroom$17.88$33.15$33.65
Typical property tax$2,823$5,298$3,119
Effective tax rate1.49%2.01%0.94%
Households that own their home78%67%65%
Renters spending 30% or more on rent33%48%51%
FHA limit (1 unit)*$541,287$541,287$541,287

FHA limit: Illinois shows the median of its counties; the United States, the national floor. Download CSV

Four ways to pay for a typical home in Effingham County

For a typical $189,500 home at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, the county's property tax, an example homeowners insurance and mortgage insurance when it applies.

Loan Monthly payment Down payment Loan amount Rate Mortgage insurance Cash to close Minimum score
FHA, 3.5% down $1,659 $6,633 $186,068 7.18% FHA MIP · $84 $12,318 580
Conventional, 5% down $1,624 $9,475 $180,025 7.18% PMI · $90 $15,160 620*
Conventional, 20% down, no PMI $1,341 $37,900 $151,600 7.18% None $43,585 620*
ITIN, 15% down (example) $1,516 $28,425 $161,075 8.18% None $34,110 Set by the lender
  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Closing costs

Loan limits

FHA loans in Effingham County use the national floor limit: it isn't a high-cost area. If the loan you need is above these amounts, it doesn't fit FHA or it becomes a "jumbo" loan.

VA loans. If you have full VA entitlement, VA doesn't cap the loan amount. If you've used part of your entitlement, the calculation uses the county limit ($832,750 for one unit). VA loan limits (va.gov)

USDA loans. They're for homes in eligible rural areas and households with incomes within USDA's limit. Check whether the address and your income qualify on the official site. USDA eligibility (usda.gov)

Home type FHA limit Conforming limit
1 unit $541,287 $832,750
2 units $693,050 $1,066,250
3 units $837,700 $1,288,800
4 units $1,041,125 $1,601,750

Source: HUD, 2026 data · Source: FHFA, 2026 data

Taxes and risks

Property tax and flooding in Effingham County

Two costs that change a lot from place to place and that a house payment does include: property tax and, in risk zones, flood insurance.

Property tax

In Effingham County, the typical owner pays $2,823 a year: about 1.49% of the home's value. That is less than the rest of Illinois and more than the national average.

  • Effingham 1.49%
  • Illinois 2.01%
  • United States 0.94%

What Illinois publishes General Homestead Exemption (Illinois Department of Revenue)

Exemptions and deadlines in Illinois

Is there a flood risk?

FEMA’s maps count no homes in high-risk flood zones in Effingham County. That does not mean there is no risk: some areas have no map. Check your address.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. (44 CFR 59.1)
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. (42 U.S.C. 4012a)
  • Most homeowners insurance does not cover flood damage. (FEMA, FloodSmart)

Source: FEMA, As of August 3, 2026

Look up your address on FEMA’s map

Owning a home here

Owning a home in Effingham County

The natural hazards FEMA measures in Effingham County, a maintenance plan for your climate and what the trades earn in your area.

Risks to your home

FEMA, National Risk Index 1.20.0 (December 2025)

FEMA rates the natural hazard risk in Effingham County as relatively low.

FEMA builds that rating from three parts: expected loss, social vulnerability and community resilience.

In Effingham County, FEMA expects natural hazards to cause $20.4 million in losses a year, counting buildings, people and crops.

The hazard that would do the most damage to homes and buildings here is inland flooding: about $7.1 million a year.

Loss FEMA expects each year to homes and buildings, by hazard
  1. Inland floodingRelatively low $7.1 million a year
  2. EarthquakeRelatively low $3.1 million a year
  3. TornadoRelatively low $1.2 million a year
  4. Winter weatherRelatively moderate $25,401 a year
  5. HurricaneVery low $15,226 a year

What it means for your home

The ratings are FEMA's own. FEMA says its data is meant for planning and does not replace a local study. Drought is not shown: FEMA counts its loss in crops only.

National Risk Index, version 1.20.0 (December 2025), retrieved November 6, 2026

FEMA notice: This product uses the Federal Emergency Management Agency's National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).

Climate and upkeep

Department of Energy (PNNL), 2021 IECC zones

The home energy code (IECC) puts Effingham County in zone 4A: mixed and humid.

The zone's number says how hot or cold it gets; the letter says how humid: A is moist, B is dry and C is marine.

  • Spring

    • Book the air conditioner's check-up before the heat: ENERGY STAR advises checking the cooling system in the spring, because contractors get busy once summer comes. ENERGY STAR (EPA)
    • Clean and repair the roof gutters. EPA

  • Summer

    • Keep indoor humidity below 60 % (ideally between 30 % and 50 %). A humidity meter is inexpensive and sold at hardware stores. EPA
    • Keep the air conditioner's drip pan clean and its drain line flowing: a plugged drain can cause water damage in the house. ENERGY STAR (EPA)

  • Fall

    • Book the heating check-up in the fall. If it runs on gas or oil, the technician should check the connections: faulty ones are a fire hazard. ENERGY STAR (EPA)
    • Look for drafts at windows and doors: close the window on a piece of paper; if it moves back and forth easily, it needs thicker weather stripping. ENERGY STAR (EPA)

  • Winter

    • Get the house ready for the cold with insulation, caulking and weather stripping, and learn how to keep pipes from freezing. Ready.gov (FEMA)
    • Seal the air ducts that run through the attic, crawlspace, basement or garage with duct mastic or foil tape, then wrap them in insulation. ENERGY STAR (EPA)

All year

  • Check the air filter every month, especially in heavy-use months. If it looks dirty, change it; change it at least every 3 months. ENERGY STAR (EPA)
  • Test the smoke alarms every month and replace their batteries at least once a year. USFA (FEMA)

Each task comes from the official page beside it. The spring air-conditioning and fall heating check-ups are the timing ENERGY STAR advises; the rest is a suggested order.

Climate zones by county, 2021 IECC

What the trades charge here

BLS, wages for May 2025

TradeTypical hourly wage8 in 10 earn between
Electricians$38.06$21.88 and $50.42
Plumbers, pipefitters and steamfitters$37.89$21.81 and $62.37
Heating, air conditioning and refrigeration mechanics$29.41$21.67 and $41.94
Roofers$22.21$16.60 and $36.99
Carpenters$29.36$18.26 and $48.58
Painters, construction and maintenance$26.43$18.63 and $45.02
Maintenance and repair workers, general$25.62$17.00 and $37.70

In the East Central Illinois nonmetropolitan area, half of electricians earn more than $38.06 an hour and half earn less; for a plumber, the typical figure is $37.89.

These are workers' hourly wages, not the price of a job.

Need help paying for a repair?

Renting

Renting in Effingham County

The typical rent in Effingham County is $733 a month. HUD also publishes a “fair market rent” by unit size: it's the one programs like Section 8 use.

33% of renter households in Effingham County spend 30% or more of their income on housing. 13% spend half or more.

Fair market rent by size

To pay the fair market rent without spending more than 30% of income, working full time (40 hours a week).

Size Fair rent a month Hourly wage Income needed per year
Studio $764 $14.69 $30,560
1 bedroom $792 $15.23 $31,680
2 bedrooms $930 $17.88 $37,200
3 bedrooms $1,231 $23.67 $49,240
4 bedrooms $1,434 $27.58 $57,360

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

Free help in Effingham County

Programs and counseling in Effingham County

There are 2 HUD-approved housing counseling agencies in Effingham County. They can help you get ready to buy, with your credit, with rent, or if you've fallen behind on payments.

Official programs for the down payment and loans for buyers. Check which ones you might qualify for with your income and your county.

A man and two girls read a book together on the sofa.

HUD counseling is free or low-cost

Illinois down payment programs

  1. IHDAccess Home

    Limited funds remain, per the source

    IHDA second loan with deferred payments for first-time buyers in Illinois

    First-time buyers only. Run by Illinois Housing Development Authority (IHDA).

    Deferred Verified November 5, 2026

  2. IHDAccess Forgivable

    Limited funds remain, per the source

    IHDA second loan forgiven little by little over ten years, for the down payment in Illinois

    The source does not say whether you must be a first-time buyer. Run by Illinois Housing Development Authority (IHDA).

    Forgivable Verified November 5, 2026

  3. IHDAccess Deferred

    Limited funds remain, per the source

    IHDA second loan with no payments until you sell or refinance, for the down payment in Illinois

    The source does not say whether you must be a first-time buyer. Run by Illinois Housing Development Authority (IHDA).

    Deferred Verified November 5, 2026

Which programs do I qualify for? See all Illinois programs

Help in Spanish in Effingham County

None of the 2 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Public housing agencies

They run public housing and Section 8 vouchers (Housing Choice Vouchers) in this county.

Free legal help

If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.

Find legal aid (lsc.gov)

Housing counseling nearby

These agencies have an office in Effingham County. The full list is on the Illinois counselors page. Official HUD list. Confirm hours and fees with the agency before you go.

  • C.e.f.s. Economic Opportunity Corporation

    1805 S Banker St, Effingham

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (217) 342-2193

  • C.e.f.s. Effingham County Outreach Office

    1010 W Jefferson Ave, Effingham

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (217) 347-7514
See every agency in Illinois

Places

Cities in Effingham County

This site has no city pages of Effingham County. The neighboring counties are below.

See all 1 cities of Effingham County

Nearby counties

Each row compares its typical value, typical rent and FHA limit with Effingham County.

Read next

Guides that help here

We picked them by this county's numbers: what weighs most here is what's worth understanding first.

Frequently asked questions

What is the FHA loan limit in Effingham County in 2026?

Effingham County has an FHA limit of $541,287 for a one-unit home. For 2 units it's $693,050, for 3 it's $837,700 and for 4 it's $1,041,125. It's the national floor limit.

What is the conforming loan limit in Effingham County?

Effingham County has a conforming limit of $832,750 for one-unit conventional loans in 2026. A bigger loan is a “jumbo” loan.

How much does a typical home cost in Effingham County?

The typical home value in Effingham County is $189,500 (Average 2020–2024, U.S. Census). Across Illinois it's $263,300.

How much does it cost to rent in Effingham County?

Effingham County has a typical rent of $733 a month (Average 2020–2024, U.S. Census). HUD's fair market rent for a 2-bedroom apartment is $930 (Fiscal year 2027).

How much do you need to earn to rent a 2-bedroom apartment in Effingham County?

About $17.88 an hour working full time (2,080 hours a year), or $37,200 a year, so the fair market rent of $930 stays under 30% of income.

Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); Income Limits (Fiscal year 2026); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (As of November 5, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); National Risk Index (2025 data); IECC climate zones by county (2021 data); Occupational Employment and Wage Statistics (2025 data); Census Bureau cartographic boundary files (2024 data).