What it's like to live in Effingham
Effingham is a small city in Illinois with rent below the national average, home prices that remain within reach, county unemployment below the national average, and commutes that run shorter than most cities. Those factors carry real weight for anyone weighing where to move next.
The tradeoffs are worth naming plainly. Effingham deals with cold winters, fewer dining and entertainment options than a bigger city, and a car-dependent commute, with few people using transit.
The good
- Rent below the national average
- Affordable home prices
- Low unemployment in the county
- Short commutes
- Low student-teacher ratio
The not so good
- Cold winters
- Smaller place — fewer dining and entertainment options
- Car-dependent — few commuters use transit
How Effingham compares
Median household income
Median rent (per month)
Median home value
What it takes to move to Effingham
Based on Effingham's median rent, home value and household income
To rent
$1,450
up front: first month plus a typical one-month deposit
- Income to keep rent under 30%: $29,000 a year
- 32% of Effingham renters spend 30% or more of their income on rent
To buy
$35,500
a 20% down payment on the median home
- With 10% down: $17,750
- Homes cost 2.5× the typical local household income (US: 4.1×)
Moving costs, closing costs and taxes not included.
The details
Cost of living▼ 49% below US
$725/mo median rent
Rent here is genuinely low, with median rent around $725 a month. Factoring in local incomes, the value gets even better. Money stretches further here than in most of the country. Home prices here are genuinely accessible, with a median around $177,500. That kind of affordability is rare in today's market.
Median home value $177,500 · 32% of renters cost-burdened
Job market
3.6% county unemployment
Unemployment in Effingham County is 3.6%, a little below the national average of 4.3%. That's the county-wide rate; BLS doesn't measure a place this size on its own.
Effingham County (county-wide)
Safety▼ 22% below US
257 violent crimes per 100k
Pretty safe, all things considered. Violent crime sits below the national average, nothing alarming, just ordinary city-life awareness.
Property crime 1525/100k · Effingham Police Department · 2025 data
Getting around▼ 49% below US
13 min average commute
Commutes run short here, averaging 13.3 minutes. That's an underrated perk of living in a smaller or well-planned city, where time isn't lost sitting in traffic. 8 in 10 workers drive to work; 13% work from home.
How workers get to work
Climate
Summers are warm, with highs around 87°F, and winters are cold, with lows around 23°F and snow a regular occurrence. Rainfall is regular throughout the year.
Average month
30-year averages, 1991–2020
Healthcare
1 hospital
There's one Medicare-certified hospital inside city limits, rated 3.0 out of 5 by Medicare. Hospitals in neighboring towns aren't counted here.
Medicare-certified hospitals
Education & workforce▼ 19% below US
29% bachelor's degree or higher
College degree attainment runs below average at 29%. That tends to reflect a more trade and working-class economy, which can be great or limiting depending on the industry.
Schools
8 public schools inside the boundary
There are 8 public schools inside the boundary and 2 private schools. The student-to-teacher ratio is 14:1, well below the national average of 16:1. Smaller class sizes are generally a positive sign for a district.
Parks & recreation
The nearest national park or historic site is George Rogers Clark National Historical Park (63 miles away). There are 4 national parks and sites within a day's drive.
Bottom line
Effingham's strongest points are rent below the national average and home prices that remain within reach; the main tradeoffs are cold winters and fewer dining and entertainment options than a bigger city. A year of median rent ($725/mo) equals 12% of the median household income here, less than the 21% typical nationwide. It tends to suit people watching their budget and people who want short commutes. It may be a harder fit for anyone who doesn't drive.
Other places near Effingham
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