Effingham County offers building opportunities in Southern Illinois, though some factors need consideration.
📊58/100AcreScore
💰$6KLand $/acre
🏠$135KHome Value
👥34,008Population
📈+0%Growth (10yr)
🌊3%Flood RiskLow
🌡️Cold HumidClimateZone 5A
🏗️ Can You Build Here?
Effingham County has local zoning regulations. Check with the county building department for specific rules on your parcel. Barndominiums may require conditional use permits in some zones.
Zone
Min Lot
Barndo OK?
Residential
Varies
⚠️ Conditional
Agricultural
None
✅ Yes
Commercial
Varies
❌ No
Effingham County has local zoning. Contact the county building department for specific regulations.
📋 What Permits Do You Need?
Most states allow owner-builders to act as their own general contractor for personal residences. Check Illinois requirements — licensed subs are typically needed for electrical, plumbing, and HVAC.
Required Permits
• Building permit (residential)
• Septic permit (if no public sewer)
• Electrical permit
• Plumbing permit
Permit Office
Effingham County Building Department
Effingham, IL
Contact county clerk for current hours and requirements
🌊 What's the Flood & Soil Risk?
Very low flood risk. Only 3% of Effingham County land falls within FEMA-designated flood zones — well below the national average.
3%
In Flood Zone
Good
Soil Drainage
Good
Septic Viability
Source: FEMA National Flood Hazard Layer, USDA Web Soil Survey
💰 What Does It Cost?
Affordable land market. At roughly $5,500 per acre, Effingham County offers good value for builders looking for rural acreage.
$6K
Median $/acre
$135K
Median Home Value
$120–200
Build Cost $/sqft
1.95%
Property Tax Rate
Source: U.S. Census Bureau ACS 2024, Effingham County Assessor
🏔️ Why People Love Living Here
Effingham County sits in the heart of Southern Illinois. Effingham is 0 min away. Illinois has a state income tax — factor that into your cost-of-living calculations.
🏗️
Affordable Land
Median land at $5,500/acre means you can buy more, build bigger, and still stay under budget.
🏠
Established Community
Zoning provides predictability — you know what your neighbors can and can't build. Good for long-term property value.
At a Glance
Population34,008
10-Year Growth0%
County SeatEffingham
State Income TaxYes
ClimateCold Humid (Zone 5A)
How Close Is Everything?
Effingham0 min
CMI70 min
Austinvaries
💧 Utilities & Infrastructure
Most rural Effingham County land uses well water and septic systems. Municipal utilities are available near Effingham. Check with local utility providers for your specific parcel.
Electric ProviderLocal Co-op / TXU
WaterWell or Municipal
SewerSeptic (most rural)
InternetVaries by location
Cell CoverageVariable
Natural GasPropane common in rural areas
🏦 Financing & Incentives
Effingham County qualifies for USDA Rural Development loans — zero-down-payment financing for eligible buyers in most areas.
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❓ Frequently Asked Questions
Can I build a barndominium in Effingham County?
Check with the Effingham County Building Department for specific zoning rules on your parcel. Some zones allow barndominiums outright, others may require conditional use permits.
How much does land cost in Effingham County?
Median price is approximately $5,500 per acre, though prices vary by location, road access, and improvements. USDA Rural Development loans may be available for eligible buyers.
Is Effingham County eligible for USDA Rural Development loans?
Yes — most of Effingham County qualifies for USDA Rural Development programs, including zero-down-payment home loans for eligible buyers.
What is the property tax rate in Effingham County?
The effective property tax rate is approximately 1.95%. Check with the county assessor for the most current rates and any available homestead exemptions.
Do I need a licensed contractor to build in Effingham County?
Most states allow owner-builders to act as their own general contractor for personal residences, though requirements vary by state and county. In Illinois, check local building codes for specific licensing requirements. You'll typically need licensed professionals for electrical, plumbing, and HVAC work.