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There are 79 low-income apartments in Effingham that offer reduced rents to eligible households.
Rental assistance programs support 544 low-income homes in Effingham where households pay rent based on how much they earn.
Affordable rent data for some communities last confirmed on April 23rd, 2021. Subdsidized rents typically change once a year based on federal guidance.
Public Housing Agencies Serving Effingham, Illinois
Public Housing Agencies operate federally assisted affordable housing programs at local levels on behalf of HUD. Notably, housing agencies are responsible for managing Section 8 Housing Choice Voucher, Public Housing, and Project-Based Voucher waiting lists within their jurisdiction.
| Housing Authority | Programs |
|---|---|
| Effingham County Housing Authority | Public Housing |
Effingham, Illinois Affordable Housing Data
Income Based Apartments in Effingham, Illinois
Effingham features 544 income based apartments. Tenants of income based apartments typically pay no more than 30% of their income towards rent and utilities.
Low Rent Apartments in Effingham, Illinois
There are 79 rent subsidized apartments that do not provide direct rental assistance but remain affordable to low income households in Effingham.
Housing Choice Vouchers in Effingham, Illinois
On average, Section 8 Housing Choice vouchers pay Effingham landlords $0 per month towards rent. The average voucher holder contributes $0 towards rent in Effingham.
The maximum amount a voucher would pay on behalf of a low-income tenant in Effingham, Illinois for a two-bedroom apartment is between $726 and $888.
2024 Effingham, Illinois Fair Market Rents and Housing Choice Voucher Payment Standards
Fair Market Rents can be used to better understand the average housing costs of an area. Fair Market Rents are used by HUD to establish payment and rent standards for federal rental assistance programs like the Section 8 Housing Choice Voucher Program.
| Studio | One BR | Two BR | Three BR | Four BR | |
|---|---|---|---|---|---|
| Effingham, Illinois Fair Market Rent | $625 | $629 | $807 | $1,125 | $1,173 |
| Effingham, Illinois Payment Standard Range | $563 to $688 | $566 to $692 | $726 to $888 | $1,013 to $1,238 | $1,056 to $1,290 |
Sourced from federal housing data and AffordableHousingOnline.com research.
Effingham, IL Affordable Housing Snapshot
| Total Affordable Apartment Properties | 11 |
|---|---|
| Total Low Income Apartments | 624 |
| Total Housing Units with Rental Assistance | 544 |
| Percentage of Housing Units Occupied By Renters | 34.18% |
| Average Renter Household Size | 2.00 |
| Average Household Size | 2.30 |
| Median Household Income | $43,760 ±$3,617 |
| Median Rent | $542 ±$40 |
| Percentage Of Renters Overburdened | 30.88% ± 7.34pp |
| Total Population | 12,513 |
Population and Household Demographics
Effingham is a city in Effingham County, Illinois with a population of 12,513. There are 5,278 households in the city with an average household size of 2.30 persons. 34.18% of households in Effingham are renters.
Income and Rent Overburden in Effingham
The median gross income for households in Effingham is $43,760 a year, or $3,647 a month. The median rent for the city is $542 a month.
Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Effingham, a household making less than $1,807 a month would be considered overburdened when renting an apartment at or above the median rent. 30.88% of households who rent are overburdened in Effingham.
Area Median Income In Effingham
Affordable housing program eligibility is always determined by one's income. Each household's income is compared to the incomes of all other households in the area. This is accomplished through a statistic established by the government called the Area Median Income, most often referred to as AMI. The AMI is calculated and published each year by HUD.
HUD often uses an area larger than a city to determine the AMI because HUD anticipates those searching for housing will look beyond individual cities during their housing search. For Effingham, the AMI is calculated from all households within Effingham County.
In Effingham, HUD calculates the Area Median Income for a family of four as $90,100
Most affordable housing programs determine eligibility based on the percent of AMI a given household's income is. Among the programs that determine eligibility based on the AMI are Section 8, HOME, LIHTC, Section 515, 202 and 811.
Rental Assistance in Effingham
Rental assistance is a type of housing subsidy that pays for a portion of a renter’s monthly housing costs, including rent and tenant paid utilities. This housing assistance can come in the form of Section 8 Housing Choice Vouchers, project-based Section 8 contracts, public housing, USDA Rental Assistance (in Section 515 properties) as well as HUD Section 202 and 811 properties for elderly and disabled households.
Income Qualifications for HUD Rental Assistance in Effingham
| 1 Person | 2 Person | 3 Person | 4 Person | 5 Person | 6 Person | 7 Person | 8 Person | |
|---|---|---|---|---|---|---|---|---|
| 30% AMI Income Limits Renters earning up to 30% of the Effingham AMI may qualify for rental assistance programs that target Extremely Low Income households. |
$18,100 | $20,700 | $24,860 | $30,000 | $35,140 | $40,280 | $45,420 | $50,560 |
| 50% AMI Income Limits Renters earning up to 50% of the Effingham AMI may qualify for rental assistance programs that target Very Low Income households. |
$30,200 | $34,500 | $38,800 | $43,100 | $46,550 | $50,000 | $53,450 | $56,900 |
| 80% AMI Income Limits Renters earning up to 80% of the Effingham AMI may qualify for rental assistance programs that target Low Income households. |
$48,300 | $55,200 | $62,100 | $68,950 | $74,500 | $80,000 | $85,500 | $91,050 |
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