Effingham County, Illinois: commercial real estate data.
Effingham County, Illinois has a population of 34,522 across 479 square miles, down 0.2 percent since the 2020 census base. County output reached $3.08 bn in 2024, 1,263 establishments operate here, and the SBA record carries 23 7(a) approvals worth $21.5 m.
124 sourced county values · tier FULL · 12 sections
Effingham County
How many people live in Effingham County
- Population34,522
- Households13,951
- Average household size2.47
- Median household income$80,404
- Median age40.0
- Median gross rent$733 per month
- Median owner-occupied home value$189,500
- Home value to household income2.4 times
- Annual rent as a share of median income10.9 percent
- Adults 25 and over with a bachelor degree or higher26.9 percent
- Adults 25 and over with a graduate degree8.9 percent
- Adults 25 and over23,843
- Population under 188,265
- Share under 1823.9 percent
- Population 65 and over6,501
- Share 65 and over18.8 percent
- Working age population, 18 to 6419,756
- Civilian labor force17,850
- Unemployment rate2.1 percent
- Labor force participation, adults 18 and over68.0 percent
- Rank by population among Illinois counties41st of 102
- Rank by population among US county-equivalents1351st
Effingham County is the 41st largest of 102 Illinois counties by population. A median home costs 2.4 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 23.9 percent against 18.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Effingham County
Is Effingham County growing
- Population change since the 2020 census base-0.22 percent
- Census 2020 base population34,679
- Births, 2024423
- Deaths, 2024357
- Natural change, 202466
- Net domestic migration, 20248
- Net international migration, 202477
- Total net migration, 202485
- Cumulative net domestic migration, 2021 to 2024-369
- Rank by growth among US county-equivalents1917th
The county has lost 0.22 percent of its population since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Effingham County
Where people moving to Effingham County come from
- Tax returns filed by households arriving679
- People arriving, from those returns1,111
- Adjusted gross income arriving$39.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$58,125
- Largest single originEffingham County Non-migrants (14,036 households)
- Largest single destination (14,036 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Effingham County Non-migrants | 14,036 | 29,320 | $1.29 bn |
| Other flows - Different State | 215 | 355 | $16.6 m |
| Other flows - Same State | 189 | 295 | $11.9 m |
| Other flows - Midwest | 88 | 152 | $7.6 m |
| Other flows - South | 85 | 134 | $5.6 m |
| Coles County | 58 | 94 | $2.3 m |
| Shelby County | 56 | 99 | $2.3 m |
| Fayette County | 52 | 83 | $1.9 m |
The largest single source of arrivals is Effingham County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Effingham County
What the Effingham County economy runs on
- County GDP, 2024$3.08 bn
- County GDP, 2023$2.91 bn
- GDP change, 2023 to 20245.9 percent
- GDP change over five years40.5 percent
- Rank by GDP among Illinois counties28th
- Rank by GDP among US county-equivalents960th
- GDP per resident$89,340
Output grew 5.9 percent in the latest year and 40.5 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Effingham County
Who employs people in Effingham County
- Covered employment, annual average23,242
- Establishments reporting1,237
- Average annual pay$53,064
- Average weekly wage$1,020
- Sector 62, employment3,776
- Sector 62, average annual pay$60,053
- Sector 72, employment2,993
- Sector 72, average annual pay$20,955
- Sector 31-33, employment2,957
- Sector 31-33, average annual pay$59,728
- Sector 44-45, employment2,957
- Sector 44-45, average annual pay$31,474
- Sector 23, employment1,323
- Sector 42, employment1,298
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 3,776 | 127 | $60,053 |
| Sector 72 | 2,993 | 116 | $20,955 |
| Sector 31-33 | 2,957 | 61 | $59,728 |
| Sector 44-45 | 2,957 | 172 | $31,474 |
| Sector 23 | 1,323 | 150 | $68,200 |
| Sector 42 | 1,298 | 53 | $69,128 |
| Sector 48-49 | 1,268 | 55 | $65,045 |
| Sector 81 | 954 | 125 | $45,853 |
The largest sector is the biggest private employer group at 3,776 jobs, 16.2 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Effingham County
What businesses operate in Effingham County
- Establishments, all industries1,263
- Employment at those establishments32,183
- Annual payroll$1.64 bn
- Establishments per 1,000 residents36.6
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Effingham County
What is being built in Effingham County
- Housing units authorised by permit, 202430
- Declared construction value permitted$10.8 m
- Single family units authorised30
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$361,483
- Units authorised per 1,000 households2.2
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Effingham County
How much SBA lending happens in Effingham County
- 7(a) approvals recorded23
- 7(a) gross approval dollars$21.5 m
- Average 7(a) approval$934,170
- Median 7(a) approval$414,000
- 10th percentile approval$110,000
- 90th percentile approval$2,400,000
- Largest single approval$2,780,000
- Jobs reported supported, 7(a)277
- Jobs per approval12.0
- Distinct 7(a) lenders active15
- Distinct industries receiving approvals13
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer34.8 percent
- Loans on real estate terms8
- Loans on working capital terms, 120 months or shorter13
- Franchise loans7
- Franchise share of approvals30.4 percent
- Leading industry by approval countGeneral Freight Trucking, Local (6)
- Most active lenderPeoples Bank & Trust (6)
- 504 approvals recorded11
- 504 gross approval dollars$12.1 m
- Average 504 approval$1,103,364
- Median 504 approval$940,000
- Distinct CDCs active2
- 504 jobs per approval37.7
- 504 jobs per million dollars approved34.2
- Most active CDCSmall Business Growth Corporation (7)
- 7(a) share of SBA approvals67.6 percent
- Combined SBA approval dollars$33.6 m
The average approval of $934,170 sits well above the median of $414,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. 34.8 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Effingham County
Do SBA loans in Effingham County get paid back
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Exempt from disclosure19
- Status: Paid in full3
- Status: Cancelled1
Too few loans have reached a final outcome to publish a charge off rate. only 3 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Effingham County
Which parts of Effingham County get the lending
- Places in the county with recorded lending5
- EFFINGHAM, approvals13
- Altamont, approvals5
- Teutopolis, approvals2
- Dieterich, approvals2
- MASON, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| EFFINGHAM | 13 | $12,995,900 |
| Altamont | 5 | $4,733,000 |
| Teutopolis | 2 | $905,000 |
| Dieterich | 2 | $2,742,000 |
| MASON | 1 | $110,000 |
EFFINGHAM accounts for 13 approvals against 5 in Altamont. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Effingham County
How big is Effingham County
- Land area479 sq mi
- Rank by land area among Illinois counties57th of 102
- Width, east to west24 mi
- Height, north to south21.1 mi
- Geographies sharing a boundary5
- Residents per square mile of land72
- Establishments per square mile2.64
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Effingham County
What hazards affect Effingham County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book10
- Of those, participating in the NFIP5
- NFIP participation rate50.0 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L.
US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001. FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
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.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Effingham County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Effingham County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population34,522
- Households13,951
- Average household size2.47
- Median household income$80,404
- Median age40.0
Common questions
Effingham County questions, answered from the record.
How many people live in Effingham County, Illinois?
34,522, in 13,951 households, ranking 41st of 102 Illinois counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Effingham County growing?
The population has fallen 0.22 percent since the 2020 census base. In 2024 there were 423 births against 357 deaths, with net migration of 85. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Effingham County?
$80,404. The median owner-occupied home is valued at $189,500, which is 2.4 times income, and median gross rent is $733 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Effingham County?
1,263 establishments, employing 32,183 people with an annual payroll of $1.64 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Effingham County?
Average annual pay is $53,064, or $1,020 a week, across 23,242 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Effingham County?
23 7(a) approvals totalling $21.5 m since FY2020, across 15 lenders, with a median approval of $414,000, plus 11 504 approvals worth $12.1 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Effingham County?
30 housing units were authorised by permit in 2024, with a declared construction value of $10.8 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Effingham County?
Zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Effingham County come from?
The largest single origin is Effingham County Non-migrants, with 14,036 households. Arriving households report an average income of $58,125 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Effingham County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Effingham County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.