HomeIllinoisEffingham CountyEffingham city
Effingham city, Illinois: commercial real estate data.
Effingham city is a Census city of 12,342 people across 10.79 square miles of land, in Effingham County. Median household income is $72,377, 66.1 percent of occupied homes are owned, and the SBA record carries 13 7(a) approvals to borrowers here worth $13.0 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Effingham
What Effingham is
- Census place typecity
- Land area10.79 sq mi
- Water area0.07 sq mi
- Population per square mile of land1,144
- County holding the largest share of its areaEffingham County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Effingham
How many people live in Effingham
- Population12,342
- Median age39.6
- Population under 182,630
- Share under 1821.3 percent
- Population 65 and over2,602
- Share 65 and over21.1 percent
- Households5,423
- Family households3,002
- Share of households that are families55.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Effingham
Income and work in Effingham
- Median household income$72,377
- Per capita income$38,328
- Civilian labor force6,502
- Employed6,335
- Unemployed167 plus or minus 93
- Unemployment rate2.6 percent plus or minus 1.4
- Adults 25 and over8,546
- Adults 25 and over with a high school diploma or higher93.3 percent
- Adults 25 and over with a bachelor degree or higher29.1 percent
- Adults 25 and over with a graduate degree11.7 percent plus or minus 2.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Effingham
Housing in Effingham
- Housing units5,892
- Occupied units5,423
- Vacant units469 plus or minus 195
- Vacancy rate8.0 percent plus or minus 3.3
- Owner occupied3,585
- Renter occupied1,838
- Ownership rate66.1 percent
- Median owner-occupied home value$177,500
- Median gross rent, monthly$725
- Annual rent as a share of median income12.0 percent
- Single family units4,160
- Share single family70.6 percent
- Units in buildings of two or more1,512
- Share in buildings of two or more25.7 percent
- Mobile homes220 plus or minus 91
- Median year structure built1974
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Effingham
How Effingham gets to work
- Workers 16 and over who commute5,459
- Commuting under 15 minutes3,859
- Share commuting under 15 minutes70.7 percent
- Commuting 30 minutes or more730 plus or minus 222
- Share commuting 30 minutes or more13.4 percent plus or minus 3.9
- Drove alone78.6 percent
- Carpooled5.7 percent plus or minus 2.2
- Public transport0.3 percent plus or minus 0.5
- Walked1.8 percent plus or minus 1.0
- Worked from home12.5 percent plus or minus 3.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Effingham
SBA loans in Effingham (7(a))
- Approvals13
- Gross approval$12,995,900
- Average approval$999,685
- Median approval$414,000
- Ninetieth percentile approval$2,400,000
- Largest approval$2,780,000
- Jobs supported124
- Jobs per approval9.5
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term300 months
- Share on real estate terms of 20 years or more61.5 percent
- Share to franchises38.5 percent
- Distinct lenders11
- Distinct industries by NAICS9
A charge-off rate is not published here. only 2 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Effingham
SBA loans in Effingham (504)
- Approvals8
- Gross approval$10,194,000
- Average approval$1,274,250
- Median approval$1,367,000
- Largest approval$2,520,000
- Jobs supported387
- Loans with a final outcome5
- Charged off2
- Median term240 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Effingham
Flood risk in Effingham
- Listed NFIP communities1
- Of those, participating1
- NFIP community number170229
- Currently effective map date01/17/25
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Effingham County, not Effingham
Effingham County context, not Effingham figures
These are Effingham County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Effingham measurements.
- Establishments in Effingham County1,263
- Employment at those establishments, Effingham County32,183
- Covered employment, Effingham County23,242
- Average annual pay, Effingham County$53,064
- Average weekly wage, Effingham County$1,020
- Housing units permitted, Effingham County30
- Of those, single family, Effingham County30
- County product, 2024, Effingham County$3,084,193,000
- County product change over the prior year, Effingham County5.9 percent
- Average income of an arriving household, Effingham County$58,125
Every figure in this section is published for Effingham County as a whole and is not a measurement of Effingham. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Effingham questions, answered from the record.
How many people live in Effingham, Illinois?
12,342, in 5,423 households. Effingham city covers 10.79 square miles of land, which is 1,144 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Effingham in?
Effingham County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Effingham?
$72,377. The median owner-occupied home is valued at $177,500. Median gross rent is $725 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Effingham businesses?
13 7(a) approvals totalling $13.0 m, across 11 lenders, median approval $414,000, plus 8 504 approvals worth $10.2 m. These count approvals to borrowers whose address is in Effingham, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Effingham borrowers get paid back?
No rate is published for Effingham. only 2 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Effingham in the National Flood Insurance Program?
Yes. Effingham appears in the FEMA Community Status Book as community 170229, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Effingham figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Effingham County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Effingham.
Is zoning published for Effingham?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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