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Learn about the people, housing, costs and businesses in Effie, Minnesota
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Effie.
True all-in cost — P&I, taxes, insurance & utilities for homes in Effie.
Find and compare lenders active near Effie.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Effie.
Seismic risk and earthquake insurance estimates for Effie.
Wildfire exposure and insurance estimates for Effie.
As of today, the 30-year fixed mortgage rate for Effie is approximately 6.922% (6.959% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for EffieThe median home value in Effie is $184k. The median monthly rent is $1,026. Annual property taxes average $1k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Effie have increased 13.6% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $938/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $40k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Effie is $47k/year.
Calculate your buying powerThe largest employment sectors in Effie are public administration (21%) and wholesale trade (13%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.