Affordable Housing In Effingham County
Illinois

11 Low Income Apartment Communities In Effingham County

Effingham Village Apartments

504 N Henrietta St
Effingham, IL
Call For Rent
1-2 BR
Subsidized

Village Apartments of Effingham I

103 E Hendelmeyer Ave
Effingham, IL
Call For Rent
1-2 BR
Subsidized

Village Apartments of Effingham II

101 E Hendelmeyer Ave
Effingham, IL
Call For Rent
1-2 BR
HCV Welcome

Colonnade Apartments

512 E Hendelmeyer Ave
Effingham, IL
Subsidized

Lake Pointe Apartments

1706 Ford Avenue
Effingham, IL
Subsidized

Slate Creek Apartments

2301 S Veterans Dr
Effingham, IL
Subsidized

Burton - Devore Apartments

610 N Henrietta St
Effingham, IL
Subsidized

Village Apartments of Effingham Hr - 175

4th And Hendelmeyer
Effingham, IL
HCV Welcome

215 N Banker St

215 N Banker St
Effingham, IL

Zink Apartments Altamont Watson

10 W Zink Dr
Altamont, IL
Subsidized

There are 11 low income housing apartment complexes which contain 645 affordable apartments for rent in Effingham County. Many of these rental apartments are income based housing with 581 apartments that set rent based on your income. In Effingham County, HUD housing programs support 369 rental assistance apartments through programs like Project-based Section 8. There are 64 other low income apartments that don't have rental assistance but are cheaper than market rate rents.

Housing Authorities that serve Effingham County

Housing Authority Programs
Effingham County Housing Authority Public Housing

Guide To Affordable Housing in Effingham County, Illinois

Effingham County, IL Affordable Housing Snapshot

Total Affordable Apartment Properties 11
Total Low Income Apartments 645
Total Rent Assisted Apartments 581
Percentage of Housing Units Occupied By Renters 20.9%
Average Renter Household Size 2.17
Total Population 34,332
Housing Units 13,330
Average Household Size 2.54
Median Household Income $52,224 ±$2,392
Median Rent $581 ±$36
Percentage Of Renters Overburdened 30.08% ± 5.83pp

Population and Household Demographics

Effingham County is a County in Illinois with a population of 34,332. There are 13,330 households in the county with an average household size of 2.54 persons. 20.9% of households in Effingham County are renters.

Income and Rent Overburden in Effingham County

The median gross income for households in Effingham County is $52,224 a year, or $4,352 a month. The median rent for the county is $581 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Effingham County, a household making less than $1,937 a month would be considered overburdened when renting an apartment at or above the median rent. 30.08% of households who rent are overburdened in Effingham County.1

Area Median Income In Effingham County

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.

In Effingham County, HUD calculates the Area Median Income for a family of four as $72,400

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 County

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 Effingham County HUD Rental Assistance in Effingham County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $15,200 $17,400 $21,330 $25,750 $30,170 $34,590 $39,010 $43,430
50% of Median $25,350 $29,000 $32,600 $36,200 $39,100 $42,000 $44,900 $47,800
80% of Median $40,550 $46,350 $52,150 $57,900 $62,550 $67,200 $71,800 $76,450
Low Income Housing Tax Credits in Effingham County

The Low-Income Housing Tax Credit (LIHTC) program aims to create affordable rental housing for low and very low income families.

From 1991 to 1998, 3 low income apartment communities containing 88 rental apartments have been constructed and made affordable to low income persons in Effingham County by the Low Income Housing Tax Credit Program.

If your income is less than 60% of the Area Median Income (AMI), you should not expect to pay more than the rent value for a unit in the table below. However, Affordable apartment communities that receive funding through the Low Income Housing Tax Credit program may have rental units that are not subject to income and rent limits.

Rent limits for the LIHTC Program are determined so that a household making the maximum income for the expected household size of the unit would only pay 30% of their income for rent.

Income Qualifications for Low Income Housing Tax Credit Apartments in Effingham County

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
60% of Median $30,420 $34,800 $39,120 $43,440 $46,920 $50,400 $53,880 $57,360

For example, the expected household size for a two bedroom apartment is 3 people. Using the table above, the maximum income for a 3 person household at 60% of the AMI in Effingham County is $39,120 a year, or $3,260 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $3,260 by 30% to get a maximum rent of $978 a month.

Rent for units in the LIHTC Program include a utility allowance which is determined by the average monthly cost of utilities paid directly by residents. This allowance has not been subtracted from the rents in the table below. These utility allowances are set on a property by property basis.

% of AMI Studio 1 Bed 2 Bed 3 Bed 4 Bed 5 Bed
50% $634 $679 $815 $941 $1,050 $1,159
60% $761 $815 $978 $1,130 $1,260 $1,391
Fair Market Rents in Effingham County

Fair Market Rents, often abbreviated as FMR, can be used to better understand the average housing costs of an area. Notably, Fair Market Rents are used to establish the payment standards for the Housing Choice Voucher Program, maximum rents in HOME financed rental projects and initial rents for Section 8 project based assistance.

2019 Fair Market Rents
Studio One BR Two BR Three BR Four BR
$534 $538 $697 $1,008 $1,129

Cities In Effingham County

Select A City to View its Apartment Communities and Waiting Lists.

City Listings Served By
Effingham 10 The HUD funded Public Housing Agency that serves Effingham is the Effingham County Housing Authority.
Altamont 1 The HUD funded Public Housing Agency that serves Altamont is the Effingham County Housing Authority.
Beecher City 0 The HUD funded Public Housing Agency that serves Beecher City is the Effingham County Housing Authority.
Dieterich 0
Edgewood 0
Mason 0
Shumway 0
Teutopolis 0
Watson 0