Median home value: $317K (-5.1% YoY).
Limited Data
Basic Zillow data only. For stress scores, AI analysis, and trends, explore tracked metros.
Home Value$316,571
-5.1%
AFFORDABILITY6.00% 30yr, 20% down, county tax + NH ins. 28% per HUD.
Enter your income for Effingham.
$63,314 on $316,571
Stretch — 35.1% of income
Above 28% but manageable with cuts.
PITI$2,194
P/I35.1%
Afford$253K
Gap-$64K
P&I $1,518Tax $575Ins $100
Home Buying Kit For Dummies (2025)Financing, negotiation, closing