Real estate · County · Illinois
Real estate businesses in Effingham County, IL
The real estate businesses in Effingham County, IL, the household spending behind them and how the market ranks against other counties.
Groundwork market score · out of 100
Score 48 out of 100: Lower middle
Ranked #1,172 of 2,229 scored counties
#38 of 83 scored counties in Illinois
- Listings
- 29
- 4 chain locations (14%)
- Official establishments
- 16
- Businesses with payroll, 2023
- Household spending a year
- $198M
- On rent and homeowner costs · $14,192 a household
- Housing spending per listing (U.S. = 100)
- 158
- 58% above the U.S.
- Listings per 10k households
- 20.8
- 46% below the U.S.
- Population, 2025
- 34,519
- −0.5% since 2020
See the real estate businesses around any address in Effingham County
The site report maps the real estate businesses on map listings near the address, by name and distance, and sizes the households and spending around it. Or open the report at the center of Effingham County. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardSurvey estimates 2020–2024 · population estimates 2025 · official business counts 2023 · map listings September 2026 · Data credits · How we measure
What this means
Map listings as of September 2026 show 29 real estate businesses in Effingham County. Of those, 4 are chain locations, or 14%, against 6% across the U.S. That comes to 20.8 for every 10,000 households, 46% below the U.S. rate of 38.5.
Household spending on rent and homeowner costs in Effingham County comes to about $198M a year: $14,192 per household, 15% below the U.S. average. Housing spending per office is 58% above the U.S. figure. That figure is all rent and homeowner costs, used as a measure of housing demand; it is not money real estate businesses take in.
In 2023, official counts showed 16 businesses with payroll in Effingham County classed as real estate agents, property managers, mortgage lenders and inspectors. That is one for every 872 households, against one for every 414 across the U.S. Official counts list 118 one-person businesses without payroll.
Population estimates put the population change in Effingham County from 2020 to 2025 at −0.5%, against +3.1% for the U.S. The Groundwork market score for real estate businesses in Effingham County is 48 (lower middle), #1,172 of 2,229 scored counties and #38 of 83 scored counties in Illinois.
How Effingham County compares
The same measures for Illinois and the whole U.S. Housing spending per listing divides all rent and homeowner costs by the listings counted: a measure of housing demand for each business, not money any of them take in, so it is shown against the U.S. (100) only. Households per establishment divides households by the official count.
| Measure | Effingham County | Illinois | U.S. |
|---|---|---|---|
| Listings per 10k households | 20.8 | 32.7 | 38.5 |
| Housing spending per listing (U.S. = 100) | 158 | 105 | 100 |
| Households per official establishment | 872 | 543 | 414 |
| Official establishment growth, 2019–2023 | n/a | +4.1% | +15.8% |
| Population growth, 2020–2025 | −0.5% | −0.6% | +3.1% |
| Spending per household on rent and homeowner costs | $14,192 | $14,866 | $16,661 |
| Median household income | $80,404 | $83,390 | $80,734 |
| Groundwork market score | 48 | 43 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 16 → 16
- Employees, 2023
- 25
- Annual payroll, 2023
- $1.3M
- One-person businesses, 2023
- 118Businesses with no payroll
- Map listings, September 2026
- 294 chain locations
- Listings at the U.S. rate for this spending
- 46The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 0
- Amount
- $0
SBA-backed loans to businesses classed as real estate agents, property managers, mortgage lenders and inspectors in Effingham County, through June 2026, placed by the borrower’s ZIP code. Official establishments are businesses with payroll; the official counts leave out places with fewer than 3.
Population and households in Effingham County
- Population, 2025 estimate
- 34,519−0.5% since 2020
- Households
- 13,951
- Median age
- 40.4
- Homes lived in by their owners
- 78%
- Vehicles per household
- 2.1
- Land area
- 479 sq. mi.
- People per square mile
- 72
- Median household income
- $80,404+41.8% vs. 2015–2019, before inflation
- Average household income
- $99,682
- Median home value
- $189,500
- Jobs located here
- 22,599
- Daytime population
- 39,935Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Effingham County?
These figures cover the whole county. A site report draws rings around one address and counts what’s inside them: households, spending, jobs, and the real estate businesses on map listings by name and distance.
Or open the report at the center of Effingham County. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardReal estate across Illinois
Every Illinois market ranked →The highest-scoring counties in Illinois for real estate businesses, numbered among those based in Illinois, with Effingham County marked.
Top counties in Illinois
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Woodford County, IL | 70 | 10 | 6.8 | 514 | −0.8% | #199 of 2,229 |
| 2Boone County, IL | 67 | 19 | 9.8 | 348 | +0.4% | #286 of 2,229 |
| 3Douglas County, IL | 67 | 11 | 14.2 | 226 | +0.5% | #304 of 2,229 |
| 4Henry County, IL | 66 | 16 | 7.9 | 405 | −2.2% | #326 of 2,229 |
| 5Bureau County, IL | 66 | 11 | 7.8 | 394 | −2.1% | #327 of 2,229 |
| 6Randolph County, IL | 64 | 13 | 10.9 | 279 | −0.6% | #395 of 2,229 |
| 7Piatt County, IL | 64 | 12 | 17.3 | 201 | +0.6% | #414 of 2,229 |
| 8Clinton County, IL | 63 | 22 | 15.1 | 223 | +0.6% | #448 of 2,229 |
| 9Fulton County, IL | 62 | 13 | 9.4 | 314 | −2.0% | #481 of 2,229 |
| 10Shelby County, IL | 61 | 9 | 10.1 | 304 | −1.6% | #527 of 2,229 |
| 38Effingham County, IL | 48 | 29 | 20.8 | 158 | −0.5% | #1,172 of 2,229 |
Other business types in Effingham County
Each with its Groundwork market score here, out of 100, where it has one.
Food and drink
Groceries and convenience
Auto
Beauty and personal care
Fitness and classes
Health care
Child care
Clothing and laundry
Home services
Real estate
Funeral services
Questions
How many real estate businesses are in Effingham County, IL?
There are 29 real estate businesses on map listings in Effingham County as of September 2026. 4 of them (14%) are chain locations. The listings count real estate agents and brokers, property managers, mortgage brokers and lenders, and home inspectors. Official counts show 16 businesses with payroll classed as real estate agents, property managers, mortgage lenders and inspectors in 2023. Official counts also show 118 one-person businesses without payroll.
How much do households in Effingham County, IL spend on rent and homeowner costs?
About $198M a year, or $14,192 per household. That is 15% below the U.S. average (an index of 85, where 100 is the U.S. average). For the 29 real estate businesses on map listings, housing spending per office is 58% above the U.S. figure. The spending figure is all rent and homeowner costs, a measure of housing demand, not money real estate businesses take in. It is estimated from the incomes of the 13,951 households in Effingham County and national spending patterns by income.
How does Effingham County, IL compare with the U.S. for real estate businesses?
Effingham County has 20.8 real estate businesses per 10,000 households, 46% below the U.S. rate of 38.5. The index of housing spending per office is 158, where 100 is the U.S. At the national ratio of real estate businesses to household spending, Effingham County would have about 46, against 29 on map listings. There is one business with payroll in the industry for every 872 households, against one for every 414 across the U.S.
How fast is Effingham County, IL growing?
Population estimates put Effingham County at 34,519 people in 2025, down 0.5% since 2020, against +3.1% for the U.S. It has 13,951 households. The median household income in Effingham County is $80,404 a year, in line with the U.S. median of $80,734. That rose 41.8% from the 2015–2019 survey, before inflation.
What is the Groundwork market score?
The Groundwork market score runs from 0 to 100 and compares a market with others of its kind for one business type: states with states, metro areas with metro areas, small-town markets and counties with their own. It weighs household spending per competitor (35%), households per business with payroll (25%), population growth (20%) and spending power (20%), each ranked against those peers. A higher score means that, taken together, the market has more household spending and more households for each business already there, faster population growth and more spending per household than similar markets. It describes a market, not any one site or deal. Effingham County scores 48 for real estate businesses (lower middle), #1,172 of 2,229 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Effingham County. It maps the real estate businesses on map listings near the site and sizes the households and spending within the distance you choose. New accounts get 10 actions over 3 days, no card.
How the score works · Top markets for real estate businesses · All 56 business types in Effingham County
Screening a site or an acquisition in Effingham County?
A site report maps the competitors on map listings near an address and sizes the households and spending around it.
The button opens the report at the center of Effingham County. Signed out, you see a blurred preview; on an account, each report is one action.
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are estimates for research only. Not investment or real estate advice.