Effingham County, Illinois

Income Data

+10% vs. Illinois average
$75,380
Median Household Income
$38,582
Per Capita Income

At a Glance

Median Household Income
$75,380
+10% vs. state avg
Per Capita Income
$38,582
-2% vs. national
Income-to-Housing Ratio
41.9%
income as % of home value
Rank in Illinois
#22 / 102
by median household income

How Effingham County Compares

Effingham County$75,380
Illinois Average$68,580
National Median$74,755

Detailed Income Statistics

$75,380
Median Household Income
$38,582
Per Capita Income
$179,800
Median Home Value
41.9%
Income-to-Housing Ratio

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

What is the median household income in Effingham County, Illinois?
The median household income in Effingham County, Illinois is $75,380, according to U.S. Census Bureau American Community Survey 2019-2023 5-Year Estimates. This represents the midpoint of all household incomes in the county.
How much do people earn in Effingham County?
The per capita income in Effingham County is $38,582, which represents the average income per person across the entire county population. The median household income — which accounts for all earners in a household — is $75,380.
How does Effingham County compare to the Illinois average?
Effingham County's median household income of $75,380 is higher than the Illinois state average of $68,580. The per capita income is $38,582, compared to the state average of $36,009.
What is the per capita income in Effingham County, Illinois?
The per capita income in Effingham County, Illinois is $38,582, according to U.S. Census Bureau American Community Survey 2019-2023 5-Year Estimates. Per capita income is calculated by dividing total personal income by total population, providing an average income figure per resident.
Why is Effingham County income higher than the Illinois average?
Effingham County's median household income of $75,380 is higher than the Illinois average of $68,580. This difference of $6,800 can be attributed to factors such as local industry mix, proximity to major employment centers, educational attainment levels, and cost of living. Counties with higher incomes often have a greater concentration of professional and technical occupations.
How does Effingham County rank for income in Illinois?
Effingham County ranks #22 out of 102 counties in Illinois by median household income (1 = highest). With a median household income of $75,380 and per capita income of $38,582, it falls in the top third of counties statewide.

Income Comparison Calculator

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County median: $75,380 per year

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Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.