Effingham County, Illinois
Income Data
At a Glance
How Effingham County Compares
Detailed Income Statistics
Data Story
About Household Income in Effingham County, Illinois
Effingham edges ahead nationally
Effingham County's median household income of $75,380 sits just above the national median of $74,755, placing it in the upper-middle tier across the country. This puts the county among approximately the 55th percentile of U.S. counties, a solid position for a rural Illinois community.
Strong performer in Illinois
At $75,380, Effingham County ranks in the top third of Illinois counties for household income, beating the state average of $68,580 by nearly $7,000. The county's per capita income of $38,582 also exceeds Illinois' state average of $36,009, signaling broad-based earning strength.
Outpacing the surrounding region
Effingham County households earn $75,380 compared to neighboring Ford County ($60,782) and Greene County ($60,976), reflecting a 24% income advantage over peers. This premium suggests stronger local employment opportunities or higher-wage industries anchoring the county economy.
Housing costs remain manageable here
Effingham County's rent-to-income ratio of 11.7% is well below the national affordability threshold, meaning housing remains accessible on local incomes. A median home value of $179,800 paired with $75,380 household income indicates stable housing markets without severe affordability strain.
Build on Effingham's income foundation
With incomes above national and state averages, Effingham County households have meaningful capacity to invest in retirement accounts, education funds, or home equity. Consider maximizing employer 401(k) matches and opening a Roth IRA to compound wealth over time.
Frequently Asked Questions
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Compare RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.