Renters insurance and housing data for Effingham County, IL

Name: HomeCover HQ Rates Index: Effingham County, IL
Creator: HomeCover HQ
Published: 2026-08-17
License: https://homecoverhq.com/terms

The Census counts 3,076 renter households in Effingham County.

The figures below are that county's own ACS records; state premium averages sit one level up.

renter households: 3,076
median gross rent, monthly: $734
median home value: $179,800

How this compares to Illinois

Effingham County3,076
Illinois1,658,870

Table view

Row	Value
Effingham County	3,076
Illinois	1,658,870

How this compares to Illinois

Illinois overall: 1,658,870 renter households across the state, average renters premium $151.

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Sources, citation and related pages

Cite or embed this figure

Cite as: "HomeCover HQ Rates Index: Effingham County, IL", updated 2026-08-17, https://homecoverhq.com/rates/illinois/effingham-county-il/.

Source: NAIC Homeowners Report average premiums (2022 data year) and US Census ACS 5-year (2023) county housing records, computed 2026-08-17.

content.naic.org NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance Report (2022 data) (NAIC public report)

www2.census.gov US Census Bureau ACS 5-year (2023) tables B25003/B25064/B25077 (US Government public domain)
www2.census.gov Census 2023 Gazetteer, counties (US Government public domain)

Methodology: State average premiums by policy form (HO-3 owner-occupied, HO-4 tenant/renters, HO-6 condo, plus HO-2/HO-5 where published) are the NAIC Dwelling Fire/Homeowners report's 2022 data year, transcribed per state and cross-checked against the countrywide row; the NAIC does not publish county premiums, so county rows carry Census ACS 5-year (2023) records instead: total households, renter-occupied households, median gross rent and median home value per county FIPS. County names and centroids come from the Census 2023 Gazetteer. Puerto Rico and territory counties are excluded (no NAIC premium row). Figures describe published filings and Census records, never quotes: your premium depends on carrier, coverage and property.

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