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Effingham city, KS

ZIP 66023 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 66023

Median Home Value
$108,400
Median Rent
$510
Affordability Snapshot
$30,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$696/mo PITI).

11%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.7 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 66023 in Effingham city, KS, a household would need roughly $30,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $696. That sits below the local median household income ($54,955), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
81.0%+24% vs US avg
x
Vacancy Rate
9.7%-6% vs US avg
x
Broadband Access
88.4%+2% vs US avg
x
4+ Bedrooms
2.1%-86% vs US avg
x
Built Pre-1939
4.0%-69% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
4.4%-91% vs US avg
x
Mortgage-Free
70.1%+84% vs US avg
x
$108,400
Home Value
$510
Rent
1970
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached88.4%
  • 1-unit attached0.0%
  • 2-9 units3.8%
  • 10+ units1.5%
  • Mobile home & other6.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$108,400
Median rent$510
Owner-occupied81.0%
Vacant9.7%
Price-to-income2.0x
Est. income to buy$30,000