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USDA Eligibility Boundaries for Effingham, Illinois 
There are no geographical USDA loan restrictions in this county. 100% of Effingham County is eligible for rural development USDA home loans.
The United States Department of Agriculture has rated the natural amenities of this region. On a scale of one to seven, Effingham county is rated a 2. The average temperature during the month of June is 76.5℉ and the average temperature in January is 29.4℉. The typical humidity of this area is approximately 58% and the area covered by water is 0.25%. The overall influence score for Effingham is 7.
The map below displays geographic boundaries of Effingham, Illinois with a blue border. There are no significant USDA regional restrictions in this county. For higher resolution imagery click the map to zoom in or search for specific postal (zip) codes, city names or even counties. You can also search for specific addresses using the power search feature here.
Select from the above list of cities in Effingham County. Cities most likely to have USDA loan eligible properties are highlighted in the drop down list. Alternatively, use the search form to find your favorite counties, cities and zip codes in Illinois.
Effingham County, Illinois is located in the east-central part of the state, approximately 2.5 hours south of Chicago. As of 2019, the county has an estimated population of 34,814 people.
The racial makeup of Effingham County is 89.4% White, 6.7% Hispanic or Latino, 1.7% African American, 0.6% Asian, and 0.2% Native American. The median household income for the county is around $50,000 per year and the poverty rate is estimated to be at 10.9%.
The county has a mix of both rural and urban areas. The majority of the population lives in small towns and villages surrounded by farmlands and wooded areas. The largest city in Effingham County is Effingham, which has a population of 12,245 people.
The cost of living in Effingham County is slightly lower than the national average, with housing costs below average. There are a variety of housing options available ranging from single family homes to apartments and condos.
Overall, Effingham County is a safe and affordable place to live for families looking for a slower pace of life away from the hustle and bustle of bigger cities.
Effingham, Illinois
Loan officers and realtors can answer your questions about USDA home loan programs.
For direct assistance with Illinois USDA program details you can also contact:
Illinois State Office USDA Rural DevelopmentFeatured Property from USDA Loan Eligible Regions of Illinois
2118 West Park Court, Suite A
Champaign, IL 61821
TEL: 217-403-6200
TTY: 217-403-6240
