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Learn about the people, housing, costs and businesses in Effingham County County
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FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Effingham County.
Estimate payments for homes in Effingham County.
People, housing & businesses in Effingham County.
Find and compare lenders active near Effingham County.
Homeowners, flood & wildfire estimates for Effingham County.
Income, rent and all-in ownership costs for Effingham County.
FEMA flood zones and flood insurance estimates for Effingham County.
Seismic risk and earthquake insurance estimates for Effingham County.
Wildfire exposure and insurance estimates for Effingham County.
As of today, the 30-year fixed mortgage rate for Effingham County is approximately 7.020% (7.046% 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 Effingham CountyThe median home value in Effingham County is $280k. The median monthly rent is $1,239. Annual property taxes average $2k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Effingham County have increased 26.8% 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 $1,354/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $58k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Effingham County is $88k/year.
Calculate your buying powerThe largest employment sectors in Effingham County are retail (19%) and public administration (19%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.
Adjacent counties and areas