Median home value in zip code 62401 (Effingham, IL) is $225,619, up 4.5% year over year. Part of the Effingham, IL metropolitan area.

Home Value$225,619

YoY Change

+4.5%

Prices rising — worse for buyers.

Affordability

Enter your income for 62401 (Effingham).

Income (annual)

Down Payment

$45,124 on $225,619

Example: $75,000 household income. Change it above to see your own.

Affordable27.4% of income

Under the 28% guideline.

PITI$1,710

P/I27.4%

Afford$231K

Room+$5K

P&I $1,141Tax $419Ins $150

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

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

Metro Analysis

62401 is part of the Effingham, IL metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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