The median home in Effingham, Kansas is valued at $221,463, up 6.1% year over year. Effingham is part of the Atchison, KS metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Atchison, KS stress score, crash risk, and 12-month forecast →

Home Value$221,463

+6.1%

AFFORDABILITY

Enter your income for Effingham.

Income (annual)

Down Payment

$44,293 on $221,463

Affordable — 25.6% of income

Under the 28% guideline.

PITI$1,597

P/I25.6%

Afford$243K

Room+$21K

P&I $1,120Tax $260Ins $217

6.50% 30yr, 20% down, county tax + KS ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Kansas

Compare Effingham with other housing markets across Kansas.

Mission Hills$1543K Lake Quivira$902K Mission Woods$865K Leawood$748K Bucyrus$639K Westwood Hills$609K Fairway$594K Eastborough$473K

Full Atchison, KS analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Atchison, KS metro.

View Atchison, KS metro →

EFFINGHAM, KS