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Home values, rents and more in Effingham, IL

September 2026 figures from Zillow and the U.S. Census Bureau · updated 2026-11-07

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Typical home value
$235,000
Metro: $218,000 · U.S.: $366,000
Home values, past year
+2.9%
Metro: +3.5% · U.S.: +1.2%
Population
12,342
ACS 2020–24
Median household income
$72,377
Metro: $79,157 · U.S.: $80,734
ZIP codes around Effingham, IL, shaded by typical home valueEffingham62401
  • Under $180k
  • $180k–$220k
  • $220k–$230k
  • $230k–$240k
  • $240k+
  • No data
ZIP codes around Effingham, IL, shaded by typical home value (Zillow, ZIP codes). Dashed lines are county borders. Effingham is outlined.

How Effingham compares

The typical home in Effingham, IL is worth about $235,000, according to the Zillow Home Value Index for September 2026. Home values in Effingham are 8% above the typical value in the Effingham metro area ($218,000) and 36% below the U.S. typical value ($366,000).

Over the past year, home values in Effingham rose 2.9%, compared with +3.5% in the Effingham metro area and +1.2% nationally.

The median household income is $72,377, against $79,157 in the Effingham metro area and $80,734 in the U.S. (Census Bureau, American Community Survey 2020–24).

About 12,342 people live in Effingham (American Community Survey 2020–24).

Effingham has the 3rd-highest typical home value of the 14 cities in the Effingham metro area and the 381st-highest of 1,005 in Illinois with Zillow figures.

Part of: Effingham County, IL · Effingham metro area · Illinois

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  • 5- and 10-year price changes
  • Days on market and months of supply
  • Price cuts and sale-to-list ratio
  • Price-to-income and monthly cost to buy
  • Crime rates
  • Homeowners insurance premiums
  • Commute time to downtown
  • Flood, wildfire and natural hazard risk
  • Property-tax rate
  • 2024 presidential vote
  • Age, education and household make-up
  • Amenities and transit nearby
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Nearby cities

ZIP codes in Effingham, IL

Sources

Home values: Zillow Home Value Index (ZHVI), all homes, middle tier, smoothed and seasonally adjusted, September 2026. Rents: Zillow Observed Rent Index (ZORI), seasonally adjusted. Population: Census population estimates (July 2025) for states, metros and counties; ACS 2020–24 for cities and ZIP codes. Income: U.S. Census Bureau, ACS 2020–24 5-year estimates. Boundaries: U.S. Census Bureau cartographic boundary files. Compiled by Home Economics.

"Typical" is Zillow's middle-tier value (homes between the 35th and 65th percentiles), not a median sale price. Changes are over the 12 months to September 2026.

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