Is Effingham County, GA good for real estate investing?

Effingham County has an investment score of 62/100, rated as "Buy". The county ranks #424 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in Effingham?

The rent-to-price ratio in Effingham County is 7.79% annually, which ranks in the 89th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Effingham?

The median home price in Effingham County is $340,422. This ranks #681 in affordability among all US counties.

Can you cash flow on rental properties in Effingham?

Based on median values with 20% down at current rates, a typical rental in Effingham County would generate negative cash flow of $348/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Effingham County

GeorgiaPopulation: 65,314

/100

Buy

#424 of 1,000 counties

#36 in Georgia (159 counties)

Market Snapshot

$340,422

Median Home Price

24% above national median

$2,209/mo

Median Rent

48% above national median

7.79%

Rent-to-Price Ratio

Top 11% nationally

-$348

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$340,422

Down Payment (20%)$68,084

Loan Amount$272,338

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$2,209

Monthly P&I-$1,785

Est. Expenses (35%)-$773

Net Cash Flow-$348/mo

5.1%

Cap Rate (all cash)

-5.3%

Cash-on-Cash Return

7.79%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 5.1% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

62/100

Cash Flow(30%)

78/100

Based on 7.79% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

52/100

Based on 0.2% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

66/100

Price-to-income ratio of 4.3x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

+Above-average rent-to-price ratio (7.79%)
+Complete rent data available

Challenges

-Negative cash flow at typical financing (-$348/mo)
-Negative leverage (cap rate 5.1% < mortgage rate 6.9%)

Economic Indicators

Population

65,314

Median Income

$79,474

vs $62,400 national est.

Unemployment Rate

—

Data pending

Price-to-Income

4.3x

Moderately affordable

Compare to Nearby Counties

County					Verdict
ColumbiaGA	64	$324,832	$1,828	6.75%	Buy	View
ColquittGA	63	$162,202	Est. pending	—	Buy	View
CurrentEffinghamGA	62	$340,422	$2,209	7.79%	Buy
FloydGA	62	$227,971	$1,219	6.42%	Buy	View
WalkerGA	61	$232,549	$1,447	7.46%	Buy	View
JonesGA	61	$240,861	Est. pending	—	Buy	View

The Bottom Line

BuyEffingham offers solid investment potential with good cash flow or appreciation prospects.

Effingham County in Georgia scores 62/100, ranking #424 of 1,000 US counties (top 42%). The 7.79% rent-to-price ratio indicates moderate cash flow potential. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow

$-348/mo

Cap Rate

5.1%

Cash-on-Cash

-5.3%

Ready to Analyze a Deal in Effingham?

Use our investment calculators to run detailed numbers on specific properties.

Single Family1-4 unit rentals, BRRRR House HackOwner-occupied strategy Multifamily5+ unit properties

Explore Other Markets

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$340,422

Down Payment (20%)$68,084

Loan Amount$272,338

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$2,209

Monthly P&I-$1,785

Est. Expenses (35%)-$773

Net Cash Flow-$348/mo

5.1%

Cap Rate (all cash)

-5.3%

Cash-on-Cash Return

7.79%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 5.1% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

62/100

Cash Flow(30%)

78/100

Based on 7.79% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

52/100

Based on 0.2% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

66/100

Price-to-income ratio of 4.3x. Lower ratios indicate more affordable markets.

County

Verdict

ColumbiaGA

$324,832

$1,828

6.75%

Buy

View

ColquittGA

$162,202

Est. pending

—

Buy

View

CurrentEffinghamGA

$340,422

$2,209

7.79%

Buy

FloydGA

$227,971

$1,219

6.42%

Buy

View

WalkerGA

$232,549

$1,447

7.46%

Buy

View

JonesGA

$240,861

Est. pending

—

Buy

View

The Bottom Line

BuyEffingham offers solid investment potential with good cash flow or appreciation prospects.

Monthly Cash Flow

$-348/mo

Cap Rate

5.1%

Cash-on-Cash

-5.3%