Income needed to buy a home
Effingham County, GA
$112,524
a year in household income to buy the typical Effingham County home with 10% down.
The monthly math
Typical home value$334,584
Down payment (10%)$33,458
Loan$301,126
Principal and interest (7.40%)$2,085/mo
Property tax (0.89% a year)$248/mo
Homeowners insurance (estimate)$167/mo
Mortgage insurance$125/mo
Total monthly cost$2,626/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
A stretch
The typical household here earns $88,438 a year, 79% of what it takes.
In Georgia
Effingham County ranks #130 of 159 for the income a home takes, from least to most.
Easiest to afford in Georgia
| County | Typical home | Income needed |
|---|---|---|
| Stewart County | $79,638 | $26,914 |
| Calhoun County | $92,690 | $30,739 |
| Twiggs County | $105,851 | $33,554 |
| Randolph County | $99,709 | $33,765 |
| Macon County | $105,727 | $36,373 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.