Effingham County, Illinois
Income Data
U.S. Census Bureau ACSAt a Glance
Economic Indicators
How Effingham County Compares
Detailed Income Statistics
Income Advisory: Effingham County
Income Verdict
Effingham County has a median household income of $75,380 and per capita income of $38,582 — a gap of $36,798, suggesting a typical mix of dual-income and single-earner households.
Housing Affordability
With median gross rent at $734/month and a median household income of $75,380, rent consumes approximately 11.7% of monthly income — well within affordable thresholds.
Economic Context
A median household income of $75,380 suggests moderate-to-strong purchasing power, generally sufficient to cover essentials with room for discretionary spending in most markets. Per capita income of $38,582 is in line with national norms for individual earners.
Neighbor Context
Effingham County earns approximately 9.9% above the Illinois state median household income of $68,580, positioning it favorably within the state.
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?
How much do people earn in Effingham County?
How does Effingham County compare to the Illinois average?
What is the per capita income in Effingham County, Illinois?
Why is Effingham County income higher than the Illinois average?
How does Effingham County rank for income in Illinois?
Income Comparison Calculator
See how your household income compares in Effingham County
Your income is above the Effingham County median
County median: $75,380 per year
vs. County Median
+0%
vs. State Average
+10%
vs. National Median
+1%
Income Adequacy
Your monthly income ($6,282) vs. median rent ($734/mo). A ratio of 3.3x or higher means rent is under 30% of income.
Grow Your Wealth
See how your income stacks up in Effingham County, Illinois? Start investing smarter with a robo-advisor that builds a diversified portfolio for you.
Start InvestingCounties with Similar Income Levels
Compare Financial Products in Illinois
Compare savings accounts, CDs, and money market rates from top banks to make the most of your earnings.
Compare RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.