Effingham, KS population, income and ZIP codes

Effingham city is a very small community in Kansas, with 644 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #260 of 740 ranked by population — larger than 64% of them. The median age here is 56.3 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Effingham city earn a median of $63,750 a year, 18.8% below the national figure of $78,538 and within a couple of points of the $63,750 median for the 200 Kansas cities we cover. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 3.9% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in Effingham city is valued at $99,900, 67.1% below the national figure and 24% below the $131,300 peer median, while median gross rent runs $846 a month, 39.8% below the national figure, or roughly $10,152 across a full year. A household on the local median income would put about 15.9% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 1.6×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 80.9% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

A median age of 56.3 puts Effingham city well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages. With 644 residents, a handful of survey responses moves every median on this page. Compare Effingham city against its county rather than against national figures.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.