Cost of Living in Effingham County, Georgia
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
These figures are county medians, not a personal budget. Use them to frame rent, ownership, and income tradeoffs, then account for household size, commute, financing, insurance, taxes, debt, and local availability before making a decision.
How Effingham County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Effingham County ranks #2,665 of 3,142 counties for affordability (bottom 15%)
Sourced county brief
Effingham County Median Monthly Owner Costs Reach $1,425
According to the U.S. Census Bureau ACS 5-Year Estimates, Effingham County's median selected monthly owner costs for all owner-occupied units was estimated at $1,425. This figure is $520 higher than the Georgia unweighted county mean of $905 per month. In the rental sector, the median gross rent was $1,147 per month, which is above the state unweighted county mean of $965. The official median gross rent as a percentage of household income (GRAPI), provided in ACS table B25071, was 24.2% for the period from 2020 to 2024. This official GRAPI estimate is 4.4 percentage points lower than the Georgia unweighted county mean of 28.6%. For renter households, the median income was $57,766, while the median value for owner-occupied housing units was $276,000, compared to the unweighted state county mean of $197,933. See ACS table B25071 for the underlying estimate.
Source record
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25064 Median Gross Rent
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25071 GRAPI
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25077 Median Home Value
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25088 Selected Monthly Owner Costs
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25119 Household Income by Tenure
Data version acs5-2020-2024 · Method cost-brief-v1
Cost of Living Advisory: Effingham County
Affordability Verdict
ACS B25071 estimates median gross rent at 24.2% of renter household income in Effingham County, which is below the 30% affordability benchmark. This is a median percentage among renter-occupied units, not the share of households above a threshold.
Rent vs. Own
Median gross rent is $1,147 per month; median selected monthly owner costs are $1,425. These ACS medians describe different tenure groups and are not a personalized rent-versus-buy calculation.
Income Needed
Using the common 30% budgeting benchmark, $45,880 in annual gross income would allocate 30% to the county's median gross rent. This is a reproducible illustration, not evidence that a particular household can afford housing.
Regional Context
The Georgia unweighted mean of county median rents is $965 per month. Effingham County's $1,147 median is 18.8% above that comparison value.
Data version acs5-2020-2024 · Method cost-advisory-v2
Affordability Calculator
See how your income compares to housing costs in Effingham County
Rent Burden
15.6%
of gross income
Max Housing (28% Rule)
$2,064
per month
Owner Cost Burden
19.3%
of gross income
The median home in Effingham County may be a stretch
Median home value is $276,000. Estimated monthly cost: $2,203 vs. your max of $2,064.
Rent Affordability Guide
Income Needed Calculator
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2020-2024). Data is informational only and is not personalized financial advice.
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