Find USDA Eligible Properties in Effingham County


IL State Flag  Effingham County Seal

Realtors in Effingham browse list of realtors working in Effingham County
Effingham county has 1 usdaproperties.com realtor ready to help with your search!

March Featured Agent
Brian Henning   from   Full Circle Realty

USDAProperties Agent Contact Page Contact an Agent for Help  

Looking to buy in Effingham County, Illinois?

There are 580 USDA backed residential loans in Effingham county with an average loan balance of $89,358. Over 73% of the loans helped first time home buyers. Borrowers were an average age of 36 years old. The typical appraised home value was around $91,959. On average the rural home size purchased with this loan was approximately 1,345 SqFt. Effingham county applies the standard USDA income limits to determine loan eligibility. For a household of upto 4 people the income limit is $90,300. For a household of between 5 and 8 people the income limit is increased to $119,200.

The size of Effingham County is roughly 1,244 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for Effingham County is 7. Look below for the interactive county level map illustration below for more details.


Select from the list of cities below or use the search feature to find active property listings in a city where you would like to live.

Start your search for USDA loan eligible properties in the cities of Effingham County, IL   Effingham QR code
* cities most likely to have USDA loan eligible properties for sale.

*Altamont   •   *Beecher City   •   Dexter   •   *Dieterich   •   Eberle   •   *Edgewood   •   *Effingham   •   Elliottstown   •   Evers   •   Funkhouser   •   Gilmore   •   Green Creek   •   Hill   •   Holland   •   Keptown   •   *Mason   •   Moccasin   •   *Montrose   •   *Shumway   •   *Teutopolis   •   *Watson   •   Winterrowd

A USDA loan is a mortgage option available to eligible homebuyers that is sponsored by the United States Department of Agriculture to promote homeownership in rural communities. USDA Loans, sometimes called "RD Loans," offer 100% financing options on eligible rural properties. USDAProperties can help you find USDA properties in Effingham County.

Interested in the geographic boundaries that define USDA Loan eligibility?
View the detailed USDA boundaries and read about general conditions of
Effingham County, Illinois
USDA Boundary Details
.

Effingham County, located in the great state of Illinois, was established on February 15, 1831. It was named in honor of Thomas Howard, the 3rd Earl of Effingham, who was an advocate for American colonists' rights during the build-up to the American Revolutionary War. The county's seat is the city of Effingham.

In its early years, the county was inhabited by Native American tribes, followed by European settlers in the early 1800s. Primarily an agricultural region, the industry began to thrive with the development of the railroad system during the 19th century. This brought economic growth and prosperity to the county, with a focus on corn and wheat.

Throughout its history, Effingham County has grown and evolved into a hub for transportation and commerce, thanks to its location at the intersection of two major highways Interstate 57 and Interstate 70. The county has a diverse economic base that includes manufacturing, healthcare, retail, and other sectors, reflecting its spirit of resilience and adaptability.

One fun fact about Effingham County is its landmark, the Cross at the Crossroads. Standing at 198 feet tall, this monumental cross is one of the largest in the United States and attracts thousands of visitors each year, symbolizing faith and unity.


Featured Cities of Illinois
Dexter Winterrowd
Featured Properties from USDA Loan Eligible Regions of Effingham County