Effingham ZIP codes — Effingham County, Georgia

Effingham County is a small city in Georgia, with 67,265 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates. The median age here is 36.6 years against 39.1 nationally, a slightly younger profile than the country as a whole. At this size the Census also publishes one-year estimates; the five-year values used here are steadier and let you compare against smaller neighbours on the same basis.

Households in Effingham County earn a median of $85,465 a year, 8.8% above the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 7.4% of residents here, below the 12.4% national rate.

The typical owner-occupied home in Effingham County is valued at $245,300, 19.1% below the national figure, while median gross rent runs $1,116 a month, 20.6% below the national figure, or roughly $13,392 across a full year. A household on the local median income would put about 15.7% 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 2.9×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 78.5% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

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.