County housing & cost profile
Effingham County, IL
Official Fair Market Rent from HUD and childcare costs from the U.S. Department of Labor for Effingham County - a 2-bedroom benchmarks at $916/month against the county's $73,181 median household income, the housing figures the federal government publishes at true county resolution.
- #53
- of 3,222 counties for affordability
- $916
- 2-BR Fair Market Rent
- $7,872
- Infant care / yr
- $73,181
- Median income
Verify: HUD FMR · DOL childcare · Census ACS
The verdict
A 2-bedroom at HUD's Fair Market Rent costs $10,992 a year in Effingham County, about 15% of the county's median household income, under the 30% line HUD uses to flag a housing-cost burden.
- $916
- 2-BR Fair Market Rent / mo
- 15%
- of median income on rent
- $73,181
- median household income
- $7,872
- infant care / yr
Rent burden in Effingham County
A 2-bedroom at HUD's Fair Market Rent takes 15% of the county's median household income, HUD flags anything above 30% as a housing-cost burden.
Nationally, that ranks Effingham County #53 of 3,222 US counties on rent-to-income affordability, more affordable than 98% of counties with comparable HUD and Census data.
Every figure here comes from official federal data, reported at the county level for the two costs that are actually measured that finely. According to the U.S. Department of Housing and Urban Development, Fair Market Rent is set each fiscal year to anchor Housing Choice Voucher payment standards across all 3,224 U.S. counties; the childcare estimates are drawn from the U.S. Department of Labor National Database of Childcare Prices, and median household income comes from the U.S. Census Bureau American Community Survey. Cost of living, wages, crime, schools and environment are published only at the state tier, read those on the state profile below.
Fair Market Rent in Effingham County
Childcare costs in Effingham County
The wider picture for Illinois
Housing and childcare are published at true county resolution. Cost of living, wages, crime, schools and environment are reported at the state tier, read those on the Illinois profile, which scores all seven dimensions on the national curve.
See the Illinois Life Score →Using Effingham County's figures
Fair Market Rent and childcare are the housing decisions a county actually controls, use them for a move, then read the state page for the rest.
- FMR is HUD’s benchmark for Housing Choice Voucher payment standards, not a market quote, a specific listing can run above or below it. How it is sourced
- Compare Effingham County head-to-head with a neighboring county on rent and childcare. Compare counties
- For crime, schools, wages and environment, read the Illinois state profile. Illinois →
County data here covers housing and childcare; the other dimensions are state-level baselines and vary within a state.
Frequently asked questions
What is the Fair Market Rent in Effingham County?
HUD's Fair Market Rent for a 2-bedroom in Effingham County, IL is $916/month (FY2026). A studio is $745, a 1-bedroom $754, a 3-bedroom $1,208 and a 4-bedroom $1,385. FMR is the benchmark HUD uses to set Housing Choice Voucher payment standards.
How much does childcare cost in Effingham County?
Center-based infant care in Effingham County runs about $7,872/year, per U.S. Department of Labor data; preschool-age center care is about $6,500/year.
Is Effingham County an affordable place to live?
A 2-bedroom at HUD's Fair Market Rent ($10,992/year) is about 15% of the county's median household income of $73,181 - below the 30% cost-burden line HUD uses. Crime, schools and wages are best read at the state level on the Illinois page.
Explore more
Every figure on PlainCompare is loaded directly from BEA, HUD, FBI UCR, BLS OEWS, NCES, DOL, EPA, and the Census Bureau, no number is typed in by an editor. This county's affordability ranking is computed directly from HUD FMR and Census ACS data. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026.