Effingham County, Illinois Housing Market Prices
Effingham County Home Prices and Rent at a Glance
The median home price (often called the average home price), rent costs, affordability metrics, and housing stock characteristics for this housing market.
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Median home price 47% above the Illinois median More expensive than 89% of counties in Illinois$219,711
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Median rent 42% below the Illinois median Cheaper than 82% of counties in Illinois$732
Median Home Price Map: Nearby Counties
Housing Market Overview
| Metric | Effingham County | Illinois Avg | US Average |
|---|---|---|---|
| Median Home Price | $219,711 | $149,936 | $248,835 |
| Price Trend (Annual %) | 22.5% | 2.5% | 7.5% |
| Median Gross Rent | $732 | $1,274 | $1,407 |
| Rent Trend (Annual %) | 2.6% | 4.1% | 5.1% |
| Household Income Trend (Annual %) | — | — | — |
The median home price in Effingham County is about 47% higher than in Illinois. Rent is about 42% lower than the Illinois average.
Median Home and Rent Price Trends
Median Home Prices, 2015-2024
Median Rent Prices, 2015-2024
Both home prices and rent are rising in Effingham County, up about 22.5% and 2.6% a year respectively. Home prices are changing faster.
Median rent in Effingham County rose about 26.3% between 2015 and 2024, from $580 to $732. Over the same span, rent in Illinois rose about 40.4%.
Affordability
On average, housing unit costs 2.7 yearly household incomes in Effingham County.
Buying the median-priced home in Effingham County costs roughly 25.0 years of rent at the median monthly rate. That is a relatively high price-to-rent ratio, which tends to favor renting over buying in Effingham County. The price-to-rent ratio in Illinois is about 9.8.
| Metric | Effingham County | Illinois Avg | US Average |
|---|---|---|---|
| Median Home Price | $219,711 | $149,936 | $248,835 |
| Median Household Income | $81,070 | $84,042 | $80,455 |
| Price-to-Income Ratio | 2.7 | 1.8 | 3.1 |
Home Prices vs Income Over Time
Between 2015 and 2024, the median home price in Effingham County fell about 14.8%, while median household income rose about 58.2% between 2009 and 2025 — income grew faster than the home price.
Income Growth vs Housing Cost Growth (Year-over-Year %)
Compare income and housing cost trends.
Occupancy & Tenure
| Metric | Effingham County | Illinois Avg | US Average |
|---|---|---|---|
| Homeownership Rate | 70.8% | 61.9% | 58.5% |
| Rental Rate | 19.7% | 30.4% | 31.2% |
| Vacancy Rate | 9.5% | 7.7% | 10.2% |
| Median Tenure (years) | 17.0 | 16.0 | 15.0 |
| Median Year Moved In | 2009 | 2010 | 2011 |
Effingham County has a homeownership rate of 70.8%, higher than the Illinois average of 61.9%. Its housing vacancy rate is 9.5%, compared with 7.7% in Illinois.
Housing Stock
| Metric | Effingham County | Illinois Avg | US Average |
|---|---|---|---|
| Average Household Size | 2.44 people | 2.46 people | 2.53 people |
| Median Structure Built Year | 1977 | 1969 | 1978 |
| Median Number of Rooms | 6.0 | 5.6 | 5.5 |
The typical housing unit in Effingham County was built around 1977. On average, 2.4 people live in a home with about 6.0 rooms, staying for about 17.0 years on average.
Effingham County, IL Housing Compared With Nearby Counties
How Effingham County, IL compares with the 1 counties closest to it.
| Area | Population | Median home price | Median rent | Homeownership |
|---|---|---|---|---|
| Effingham County, IL | 34,520 | $219,711 #1/2 | $732 #2/2 | 78.2% #2/2 |
| Shelby County, IL | 20,718 | $54,174 | $814 | 78.4% |
Frequently Asked Questions
Common questions about the housing market in Effingham County, Illinois.
What is the median home price in Effingham County, Illinois?
The median home price in Effingham County, Illinois is $219,711, higher than the Illinois average of $149,936.
What is the average home price in Effingham County, Illinois?
The typical home price in Effingham County, Illinois, reported as the median sale price, is $219,711. The median is used instead of a mathematical average because it is not skewed by a small number of very expensive or very cheap homes, so it better reflects what a typical buyer pays.
What is the median rent in Effingham County, Illinois?
The median gross rent in Effingham County, Illinois is $732 per month, lower than the Illinois average of $1,274.
What was the median gross rent in Effingham County in 2020?
In 2020, the median gross rent in Effingham County, Illinois was $654 per month.
What is the price-to-rent ratio in Effingham County, Illinois?
The price-to-rent ratio in Effingham County, Illinois is about 25.0, meaning it would take roughly 25.0 years of rent payments at the median rent to equal the median home price. That is a relatively high price-to-rent ratio, which tends to favor renting over buying in Effingham County.
Are home prices or rent rising faster in Effingham County, Illinois?
Both home prices and rent are rising in Effingham County, up about 22.5% and 2.6% a year respectively. Home prices are changing faster.
What is the homeownership rate in Effingham County, Illinois?
70.8% of households in Effingham County, Illinois own their home, higher than the Illinois average of 61.9%.
What is the vacancy rate in Effingham County, Illinois?
The housing vacancy rate in Effingham County, Illinois is 9.5%, higher than the Illinois average of 7.7%.
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