The story of this market
The typical home in Effingham County, Georgia sells for about $338,300, or $180 per square foot.
Prices are up +2.1% from a year ago, so sellers still have some momentum. Homes take about 72 days to sell, which is slow. Over the long run, values in this county have grown 150% since 2000. Last year 12 of 16 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is hurricane, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $1,679 a month.
HUD sets the fair market rent for a 2-bedroom at $1,679 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Low.
Price climate
Every year of price change, 2000–2025
+0.8%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+21.1%). Worst: 2010 (-8.3%). Hover to read a year.
Monthly price momentum
Home values since 2015
+1.1%
GA · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$2,185
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+0.8%
2025 change
FHFA repeat-sales index, median of 16 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
51
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $25,102,296.
Mortgage activity
Home lending in this county
76.8%
2019 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 3885 | 1932 | 77.1% | 2.3% | $195,000 |
| 2019 | 4387▲ | 2172▲ | 76.8% | 1.6% | $210,000▲ |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Effingham County, Georgia
The Effingham County housing market is currently balanced, with home values showing modest year-over-year growth. High demand driven by regional economic expansion is tempered by rising inventory levels, resulting in a stable market environment for both buyers and sellers.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: median price corroborated by the published ten-year series (2025) (within 12.5%).
Select a city to expand its ZIP intel reports beneath · 7 cities · 7 ZIP reports
Median prices moved up 0.9% year over year.
Homes spend a median of 9 days on market with 0.0 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 0.55% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 2.6% · poverty 7.5% — a stable, low-distress profile.
Deterministic aggregate of 6 researched ZIP reports of 7 — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Effingham County, Georgia — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.7%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 16
researched Sep 16
researched Sep 16
researched Sep 16
researched Oct 21
researched Sep 17
researched Sep 20
| 31302 | Bloomingdale | $303,000 | $242 | +10.1% | 43 | — | — | — | 192 | $1,157 | researched Sep 16 |
| 31303 | Clyo | $303,000 | $155 | +10.1% | 19 | — | — | — | 316 | $948 | researched Sep 16 |
| 31307 | Eden | $765,000 | $407 | +5.5% | 54 | — | — | — | 61 | $1,679 | researched Sep 16 |
| 31312 | Guyton | $348,896 | $186 | -9.8% | 76 | 98.5% | — | — | 384 | $1,537 | researched Sep 16 |
| 31318 | Meldrim | $244,000 | $132 | — | 79 | — | — | — | 79 | $1,520 | researched Oct 21 |
| 31326 | Rincon | $528,708 | $182 | 0% | 6 | — | — | — | 12 | $1,175 | researched Sep 17 |
| 31329 | Springfield | $259,000 | $189 | 0% | 59 | — | — | 4.9 | 5 | $1,123 | researched Sep 20 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
The county is served by the Effingham County School District, which generally maintains a positive reputation within the region for its academic performance and facilities.
The area faces standard regional risks for wind and storm events common to coastal Georgia, with insurance premiums reflecting these environmental exposures.
The county benefits from its proximity to the Savannah industrial and logistics corridor, driving residential demand and infrastructure expansion to support a growing workforce.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Georgia) — Homestead Exemption: Provides a reduction in the assessed value of the property; the state standard exemption is $2,000, which is subtracted from the assessed value before the millage rate is applied. State (Georgia) — Ad Valorem Property Tax Assessment: Taxable tangible property is assessed at 40 percent of its fair market value. The formula for tax due is: ((Fair Market Value * 0.40) - Exemptions) * Millage Rate.
The rental market is characterized by steady demand and rising rents, with a vacancy rate of approximately 6.7% reflecting a relatively tight supply.
The economy is anchored by logistics, manufacturing, and services, heavily influenced by the nearby Port of Savannah and regional industrial growth.
The county is served by major corridors including GA-21 and GA-119, providing primary access to the Savannah metropolitan area.
The Effingham County Tax Assessor manages property valuations, conducting annual assessments to determine fair market value for tax purposes.
The county is served by the Effingham County School District and various local utility and fire districts that manage essential services.
Property insurance markets in the region are sensitive to coastal weather patterns, with premiums trending upward due to regional hazard exposure.
- Splash in the Boro Waterpark - Statesboro, Bulloch County4.621.3 mi
- Fun Zone4.720.7 mi
- Sky Zone Trampoline Park4.126.6 mi
- The Clubhouse3.824.2 mi
- Chuck E. Cheese3.729.7 mi
- Savannah Convention Center4.526.7 mi
- Enmarket Arena4.326.4 mi
- Vic's On the River4.426.7 mi
- Grayson Stadium4.829.2 mi
- Common Restaurant4.426.9 mi
- Royal Cinemas 14 & World’s Tallest IMAX4.517.7 mi
- Pooler Cinemas4.518.4 mi
- Dave & Buster's Pooler4.318.8 mi
- Savannah National Wildlife Refuge4.618.9 mi
- Georgia South Carolina State Line Bridge4.716.8 mi
- Chippewa Square4.726.9 mi
- SCAD Museum of Art4.526.6 mi
- Owens-Thomas House & Slave Quarters4.527 mi
- American Prohibition Museum4.626.6 mi
- Mercer Williams House Museum4.627.1 mi
- Savannah National Wildlife Refuge4.618.9 mi
- Savannah Lakes RV Resort4.719.7 mi
- Macomber Park Complex: Rincon Rec4.410.2 mi
- Sergeant Jasper Park4.719.9 mi
- McCall Park4.512.8 mi
- Safe Harbor Savannah Yacht Center4.625.1 mi
- Crosswinds Golf Club4.419 mi
- Lost Plantation Golf Club4.212 mi
- Tanger Outlets Savannah4.518.7 mi
- Publix Super Market at Pooler Marketplace4.618.5 mi
- T.J. Maxx4.318.1 mi
- Ross Dress for Less4.118.1 mi
- Publix Super Market at The Market at Rice Hope4.615.5 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
Provides extensive athletic fields and community programming that serves as a central hub for youth and adult sports.
Data retrieved from US Census Bureau and local market reports.
applies when — Owner must occupy the property as their legal residence and have owned the property on January 1 of the tax year.
Provides a reduction in the assessed value of the property; the state standard exemption is $2,000, which is subtracted from the assessed value before the millage rate is applied.
O.C.G.A. § 48-5-40
Sellers are required to truthfully answer questions posed by buyers regarding the property's condition, though specific liability protections exist for non-disclosure of certain psychological impacts or non-material facts.
O.C.G.A. § 44-1-16
Allows lenders to foreclose on property without a court order provided the security deed contains a power of sale clause; requires specific notice and advertising procedures.
O.C.G.A. Title 44, Chapter 14, Article 7
Taxable tangible property is assessed at 40 percent of its fair market value. The formula for tax due is: ((Fair Market Value * 0.40) - Exemptions) * Millage Rate.
O.C.G.A. § 48-5-7
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.