Average Rent in Effingham County, IL↑ Rents rising 7.8% YoY🔻 5th cheapest in IL
HUD FY2025 · Official government data · Updated annually · Metro pop. 34,505
Market Overview
Effingham County, IL has rental prices ranging from $674/month to $1,272/month in 2025, depending on unit size. The typical 1-bedroom apartment rents for $679/month — 51% below the national average of $1,400/month. With a median household income of $75,380/year, spending $679/month on a 1-bedroom represents 11% of gross income — within the recommended 30% threshold.
How Effingham County Compares
With an average 2-bedroom rent of $870/month, Effingham County ranks #83 most expensive of the 87 cities tracked in Illinois — more affordable than 88% of all US cities in our data.
The Effingham County Rental Market
The Effingham County, IL area has a population of about 34,505 and 22% of households renting rather than owning. That renter share runs below the US average of ~34%, a more homeowner-heavy market where rental inventory can be limited.
Rent Trends
2-bedroom rents in Effingham County, IL have risen by $63/month (7.8%) over the past year, from $807 to $870. This modest growth is consistent with broader inflationary trends seen across US rental markets.
Affordability
To afford a 1-bedroom apartment in Effingham County, IL without exceeding the 30% housing cost guideline, a renter needs an annual income of approximately $27,160. The local median household income of $75,380 exceeds that threshold by $48,220, making Effingham County relatively accessible compared to local wages.
Economy & Jobs
Effingham County, IL has an unemployment rate of 2.9%, 1.0 percentage point below the national average of 3.9%. Strong employment conditions typically sustain rental demand, as workers relocate to the area and local residents maintain stable housing.
Fair Market Rents
HUD FY2025Is Effingham County, IL Affordable?
Income needed to rent or buy, price history, and how this city compares to nearby metros.
Affordability Index(30% income rule)
Nearby Cities in ILlargest metros in the state
| City | Studio | 1BR | 2BR | 3BR | Home Value |
|---|---|---|---|---|---|
| DeKalb County | $952 | $1,058 | $1,388 | $1,891 | — |
| Grundy County | $1,045 | $1,151 | $1,510 | $1,999 | — |
| Chicago | $1,458 | $1,560 | $1,761 | $2,262 | — |
| Kendall County | $1,428 | $1,438 | $1,886 | $2,643 | — |
| St. Louis | $951 | $984 | $1,215 | $1,570 | — |
| Davenport | $707 | $831 | $1,025 | $1,336 | — |
Rent or Buy in Effingham County?
Break-even analysis and mortgage estimates based on local market data.
Should I Rent or Buy?
Break-even analysis using real Effingham County data
Renting appears to be the better financial choice for this scenario.
Living in Effingham County
Cost of living, job market, crime rates, and moving cost estimates.
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Frequently Asked Questions
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💵Rent Affordability in Effingham CountySalary needed to afford rent here
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