Effingham County Housing Authority — Income-Restricted Housing in Effingham, IL 62401
215 N Banker St, Effingham, IL 62401
103 units · 1–3 BR
- Apply through Effingham County Housing Authority
- Residents waited about 6 months to move in (HUD, Oct 2026)
Housing authority: (217) 342-3520Directions
How to apply
- Apply through Effingham County Housing Authority. They run this development and take applications.
- Call the housing authority at (217) 342-3520.
- These records do not show openings — call to confirm vacancies and waiting lists.
At this building
- Bedrooms (estimated)
- 50 1 bedroom · 22 2 bedrooms · 31 3 bedrooms
- Average tenant rent
- $500/mo
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Nearby income-restricted buildings
Effingham Village Effingham
504 N Henrietta St, Effingham, IL 62401
0.7 mi away
48 units · 1–2 BR
- 3 vacant units reported (Oct 2026) — call to confirm
Parkway Manor
504 E Hendelmeyer Ave, Effingham, IL 62401
1.4 mi away
15 units · 2 BR
- Affordability period may have ended — call to confirm
Village Apts. of Effingham
103 E Hendelmeyer Ave, Effingham, IL 62401
1.4 mi away
24 units · 1–2 BR
- 5 vacant units reported (Oct 2026) — call to confirm
Slate Creek Apartments
2301 S Veterans Dr, Effingham, IL 62401
1.5 mi away
113 units · 1 BR · People with disabilities
Rents and income limits in 62401
- Fair market rent, 2 bedrooms
- $930/mo
- Income needed to pay it at 30% of income
- $37,200/yr
- Renters in 62401 paying 30% or more of income on rent
- 31%
Income limits (2026)
Effingham County, IL area · median family income $104,900. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $22,050 | $36,750 | $58,750 |
| 2 | $25,200 | $42,000 | $67,150 |
| 3 | $28,350 | $47,250 | $75,550 |
| 4 | $33,000 | $52,450 | $83,900 |
| 5 | $38,680 | $56,650 | $90,650 |
| 6 | $44,360 | $60,850 | $97,350 |
| 7 | $50,040 | $65,050 | $104,050 |
| 8 | $55,720 | $69,250 | $110,750 |
Section 8 vouchers: up to the 50% limit, and most go to households under 30%. Public housing: up to 80%. Tax-credit apartments: usually up to 60% of median income, between the 50% and 80% columns.
Fair market rents (2027)
HUD's estimate of rent plus utilities for a modest home. Housing authorities set Section 8 voucher limits from it.
| Size | 62401 | Wider area |
|---|---|---|
| Studio | $760 | $764 |
| 1 bedroom | $790 | $792 |
| 2 bedrooms | $930 | $930 |
| 3 bedrooms | $1,230 | $1,231 |
| 4 bedrooms | $1,430 | $1,434 |
Wider area = Effingham County, IL. Two-bedroom fair market rents in 5 nearby ZIPs range from $930 (62473) to $1,090 (62461).
Census figures for 62401 (2020–2024 average): median rent $735. Median household income $82,374. 25% of homes are rented. 31% of renters pay 30% or more of their income on rent, and 11% pay half or more.
Census median rent is what renters here actually pay, including long-term leases. Fair market rent is HUD's estimate for a modest apartment available now.
Sources: HUD income limits FY2026; HUD Fair Market Rents FY2027 (Small Area FMR for ZIP figures); U.S. Census Bureau American Community Survey 5-year 2020–2024. Each program and building can set its own limits — confirm with the property.
Estimate your Section 8 rent share
Project-based Section 8 is on the buildings above. A Housing Choice Voucher is different: you apply with the housing authority, then find a landlord who takes it. Your share of rent is based on income — not always 30%. The calculator uses 62401's fair market rent.
Estimate your Section 8 rent share for 62401Frequently Asked Questions
How do I apply to Effingham County Housing Authority?
Apply through Effingham County Housing Authority, which runs Effingham County Housing Authority. Call (217) 342-3520. Do not treat a walk-up at the building as the application. These records do not show openings.
Is Effingham County Housing Authority Section 8 housing?
Effingham County Housing Authority is public housing, not a project-based Section 8 contract. Apply with the housing authority. A Housing Choice Voucher is a separate program.
How many units are at Effingham County Housing Authority?
Public records list 103 units at Effingham County Housing Authority in Effingham, IL 62401. That is a building size, not a count of open apartments.
Are there other affordable apartments near Effingham County Housing Authority?
Yes — this page lists other income-restricted buildings in 62401 and nearby ZIP codes. Open a nearby card for the address and phone. Lists still do not show vacancies.
People Also Ask
How do I get into Effingham County Housing Authority?
Call the number on this page and ask about the waiting list or how to apply at Effingham County Housing Authority in Effingham, IL 62401. Public housing is through the housing authority. Bring ID and income documents when they tell you to. This site cannot submit an application for you.
How do I qualify for affordable housing in Effingham, IL 62401?
Most income-restricted buildings in Effingham, IL 62401 serve households at or below 50% or 80% of area median income. HUD's 2026 very low-income (50%) limit for a 1-person household is $36,750, and $52,450 for a 4-person household. Public housing can go up to 80% ($58,750 for 1 person). Each building sets its own cap — call to confirm before you apply. Citizenship, household size, and local preferences can also apply.
What is the income limit for low-income housing in Effingham, IL 62401?
For many programs in Effingham, IL 62401, the 2026 HUD very low-income (50%) limit is $36,750 a year for 1 person and $52,450 for 4 people. The low-income (80%) limit is $58,750 for 1 person. Tax-credit buildings often use 60% of median income. Confirm with the property — they can be stricter.
How much rent do you pay for low-income housing in Effingham, IL 62401?
In public housing and most Section 8 in Effingham, IL 62401, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Effingham, IL 62401 is $930 a month (rent plus utilities for a modest unit). Tax-credit apartments use set rents below market, not always 30% of income. Call the building for the actual rent; this site is not a vacancy or price list.
Does Effingham County Housing Authority take Section 8 vouchers?
This file does not say that Effingham County Housing Authority has a project-based Section 8 contract. Some landlords in Effingham, IL 62401 accept Housing Choice Vouchers; you have to ask. Apply for a voucher with the housing authority, then call Effingham County Housing Authority.
Sources: HUD LIHTC database, 2024 (released Apr 2026); HUD Multifamily Assisted Properties, Oct 2026; HUD Public Housing Developments, Oct 2026; USDA Rural Development multifamily, Oct 2026. Not affiliated with HUD or USDA. Details can be out of date — confirm with the property before applying. Report a correction. To add a different building, use the suggestion rubric.