Median home value: $116K (-10.8% YoY). Part of Effingham, IL.
Limited Data
Basic Zillow data only. For stress scores, AI analysis, and trends, Effingham, IL metro page.
Home Value$116,378
-10.8%
AFFORDABILITY6.00% 30yr, 20% down, county tax + IL ins. 28% per HUD.
Enter your income for Saint Elmo.
$23,276 on $116,378
Affordable — 14.8% of income
Under the 28% guideline.
PITI$924
P/I14.8%
Afford$220K
Room+$104K
P&I $558Tax $216Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing