Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$334,444−1.7% YoY · prices are falling
Market right nowBuyer's marketMore homes for sale than last year, 24% have cut their price
Income needed to buy, per year$72,500About 0.8× the local median income ($92,674): affordable for a typical household
Days on market84 daysSlower than a year ago: buyers have time to negotiate
Next 12 months−0.6%Zillow expects prices to dip slightly
The typical home in Effingham County, GA is worth $334,444, down 1.7% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $309,077, so the area is 8.2% overvalued. It is a buyer's market: homes take about 84 days to sell, listings are up 10% from a year ago, 24% of listings have had a price cut. Zillow expects prices to fall about 0.6% over the next year. A household needs about $72,500 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $92,674. Typical rent is $2,117 a month, or $2,618 for a house. In the latest IRS figures, 1,329 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$334,444
Change in 1 year
−1.7%
Overvalued %
+8.2%
Show 7 more
Fair home value
$309,077
Change in 5 years
+33.8%
Zillow forecast, next 12 months
−0.6%
Home value to income
3.6×
Monthly mortgage payment (20% down)
$1,813
Income needed to afford it
$72,500
Property tax rate
0.90%
Rent and investing
Typical rent
$2,117
Typical rent for houses
$2,618
Price-to-rent ratio
13.2×
Show 3 more
HUD Fair Market Rent, 2 bedrooms
$1,679
Gross rental yield
7.60%
Cap rate (estimate)
4.94%
Market activity
Listings vs a year ago
+10.1%
Days on market
84
Listings with a price cut
24.5%
Show 3 more
Homes for sale
424
Pending sales per 100 listings
23
Asking price per sq ft
$183
People and jobs
Median household income
$92,674
Population change (1 year)
+1.4%
Unemployment rate
5.5%
Show 4 more
Population
74,397
Income adjusted for cost of living
$97,347
Net moves in (IRS)
+1,329
Cost of living (US = 100)
95.2
Schools, risk and environment
School rating (1 to 10)
8.1
FEMA hazard risk score (0 to 100)
59.1
Flood risk score
51.8
Show 3 more
Wildfire risk score
72.3
Walkability (1 to 20)
5.3
Road, rail and air noise
54 dB
Questions people ask
Is Effingham County, GA overvalued?
Home prices in Effingham County, GA are slightly above what local incomes have historically supported: fair value is about $309,077, so the area is 8.2% overvalued.
Is Effingham County, GA a buyer's or seller's market?
Effingham County, GA is a buyer's market: homes take about 84 days to sell, listings are up 10% from a year ago, 24% of listings have had a price cut.
Are home prices going down in Effingham County, GA?
Home values in Effingham County, GA are down 1.7% over the last year. Zillow's forecast for the next 12 months is −0.6%.
How much do you need to earn to buy a home in Effingham County, GA?
A household needs about $72,500 a year to afford the typical home in Effingham County, GA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $92,674.