Investor-grade market analytics for Effingham, Illinois. Data from Zillow ZHVI, FRED, Census ACS, and FEMA NRI. Data through July 2026.
$224,308
+3.0% year-over-year
+3.0%
base case (Zillow ZHVF)
+3.0% year-over-year
25/100
LowNet migration: Top 47% nationally
In-migrants avg $40,274 AGI vs out-migrants $44,173
Opportunity Zone Market
2 ZIP codes in Effingham are designated Qualified Opportunity Zones (IRC 1400Z-2), eligible for capital gains tax deferral on qualifying investments. Learn more →
Effingham, IL shows steady growth at 3.0% year-over-year appreciation, reflecting balanced market conditions with moderate demand. Affordability remains favorable with a price-to-income ratio of 3.02x, below the national average of 4.8x. Modest net positive migration (+11 returns/year) provides steady demand support. Climate risk remains low (25/100), favorable for long-term investment stability.
12-month projection (Zillow ZHVF model)
Effingham, IL's primary climate exposure is wind storms (50/100). The composite climate risk score of 25/100 (Low) indicates overall risk reflecting favorable conditions for long-term real estate investment. This market benefits from relatively low natural hazard exposure compared to coastal and wildfire-prone regions.
Source: FEMA National Risk Index
Migration flows, ZIP-level neighborhood data, full demographics, price history, and the Market Screener.