Effingham County, Illinois home prices
Typical home $218,457 · +3.5% in a year · property tax 1.49%
The typical home in Effingham County is worth $218,457, 26% less than the Illinois typical home ($295,943). Values changed +3.5% in the past year and +25.2% over five years. Homeowners here pay a median 1.49% of their home's value in property tax each year ($3,254 on the typical home), versus 1.92% statewide.
Mortgage on the typical Effingham County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $43,691 | $174,765 | $1,176 | $0 | $380 | $1,556 | $66,700 |
| 10% down | $21,846 | $196,611 | $1,323 | $82 | $380 | $1,785 | $76,500 |
| 5% down | $10,923 | $207,534 | $1,396 | $86 | $380 | $1,863 | $79,800 |
| 3.5% down (FHA) | $7,646 | $214,500 | $1,443 | $97 | $380 | $1,920 | $82,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.49% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Illinois · part of the Effingham metro area.
Illinois counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Clinton County | $225,207 | +6.4% | 1.83% |
| Winnebago County | $211,111 | +8.9% | 2.39% |
| Kankakee County | $227,163 | +6.0% | 2.21% |
| Menard County | $209,256 | +7.0% | 1.72% |
| Jersey County | $203,810 | +3.9% | 1.76% |
| Woodford County | $235,906 | +8.9% | 2.13% |
| Sangamon County | $200,144 | +7.5% | 1.99% |
| Ogle County | $238,006 | +8.4% | 2.06% |
| Calhoun County | $198,789 | +7.3% | 1.39% |
| Champaign County | $238,398 | +5.0% | 2.06% |
Frequently asked questions
What is the average home price in Effingham County, IL?
The typical home value in Effingham County is $218,457 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Effingham County?
About $66,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Effingham County?
The median effective rate is 1.49% of home value a year (Census ACS 2024 5-year estimates).