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House hunters in Effingham will find an estimated 5,363 individual houses, condominiums, and apartments. Approximately 63% of housing in the city is owner-occupied.
At least 61% of home owners in Effingham are making mortgage payments. Like 9% of homeowners in the city, you might also use your home's equity with a second mortgage or home equity loan.
Mortgage and interest rate quotes for the Effingham area (or anywhere else you choose in the US) are available, without obligation or credit checks:
| Category | Value |
|---|---|
| Homes With No Mortgage | 39% |
| With A Mortgage | 61% |
| First Mortgage Only | 52% |
| Second Mortgage or Home Equity Loan | 9% |
| Second Mortgage Only | 5% |
| Home Equity Loan Only | 4% |
| Category | Value |
|---|---|
| Owner Costs as % of Income | 16.4% |
| Median Real Estate Taxes (2000) | $1,498 |
| Category | Value |
|---|---|
| Total Occupied | 5,363 |
| 1-Person Households | 37% |
| 2-Person Households | 31% |
| 3-Person Households | 13% |
| 4-Person Households | 12% |
| 5-Person Households | 5% |
| 6-Person Households | 2% |
| 7+-Person Households | 0% |
| Category | Value |
|---|---|
| Median Year Built | 1970 |
| Median Year Built (Owner Occupied) | 1968 |
| Median Year Built (Renter Occupied) | 1973 |
| Category | Value |
|---|---|
| Using Utility Co. Gas Heat | 80% |
| Using Bottled/Tank Gas Heat | 1% |
| Using Electric Heat | 18% |
| Using Oil Heat | 0% |
| Using Coal | 0% |
| Using Wood Heating | 1% |
| Using Solar Heat | 0% |
| Other Heating | 0% |
| No Heating | 0% |
| Category | Value |
|---|---|
| No Bedrooms | 0% |
| 1 Bedroom | 1% |
| 2 Bedrooms | 22% |
| 3 Bedrooms | 55% |
| 4 Bedrooms | 18% |
| 5+ Bedrooms | 4% |
Rate quotes from multiple lenders for the Effingham area:
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