Effingham County, GA

Comprehensive housing, income, and cost of living data for Effingham County, Georgia. Population: 65.3K.

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Median Home Price

$318.7K

Based on 7 cities

Median Household Income

$85.5K

Annual household income

Price-to-Income Ratio

3.7x

Moderately affordable

Salary Needed to Buy

$83.1K

30-yr mortgage, 6.5% rate, 20% down

Housing & Finance

Annual Property Tax

$2,344

Average annual amount

Effective Tax Rate

0.74%

Property tax / home value

Monthly Housing Costs

Mortgage (P&I)$1,611

Property Tax$195

Insurance$133

Total Monthly$1,939

Historical Home Prices

2015

$173.1K

2016

$177.6K

+2.6%%

2017

$180.2K

+1.4%%

2018

$191.2K

+6.1%%

2019

$206.1K

+7.8%%

2020

$219.1K

+6.3%%

2021

$258.2K

+17.8%%

2022

$292.5K

+13.3%%

2023

$318.5K

+8.9%%

2024

$336.9K

+5.8%%

2025

$337.5K

+0.2%%

Source: County price history data via Zillow ZHVI

Demographics & Economics

Unemployment Rate

3.5%%

Below national average

Population Density

136

People per square mile

Homicide Rate

5.3

Low (per 100K residents)

Political Lean (2020)

Competitive

R+0

Racial Demographics

White

74.1%

Black

14.2%

Hispanic

6.1%

Asian

0.7%

Two or More Races

4.2%

Source: Census ACS 2023. Hispanic/Latino ethnicity counted separately from race.

Climate & Environment

Average Temperature

66°F

Annual average

Sunny Days

212

Days per year

Annual Rainfall

48.2"

Inches per year

Natural Disaster Risk

Moderate Risk

Score: 59/100

January Low

9°F

Average winter low

July High

82°F

Average summer high

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