The story of this market
The typical home in Effingham County, Georgia sells for about $320,319, or $180 per square foot.
Prices are down 6% from a year ago, which gives buyers more room to negotiate. Homes take about 71 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
77.1%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 3885 | 1932 | 77.1% | 2.3% | $195,000 |
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 Approval rate is approved ÷ decided (withdrawn and incomplete files excluded).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
Effingham County's residential real estate market remains fundamentally supported by steady job creation across the greater Savannah logistics and manufacturing corridor. Median home sale prices settled around $320,000 as higher mortgage rates normalized listing competition and stretched days on market to 71 days. Demand remains healthy for well-priced single-family properties due to highly regarded county schools and relative affordability compared to coastal Chatham County.
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: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 5 cities · 5 ZIP reports
Median prices moved up 0.9% year over year.
Homes spend a median of 8 days on market with 0.0 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 0.56% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.1% · poverty 8.9% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
Deterministic aggregate of 5 researched ZIP reports — 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 8.3%/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 17
researched Sep 20
| 31303 | Clyo | $303,000 | $155 | +10.1% | 19 | — | — | — | 316 | $948 | researched Sep 16 |
| 31307 | Meldrim | $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 |
| 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.
Effingham County records property and violent crime rates noticeably below both Georgia state medians and neighboring Chatham County. Law enforcement reporting indicates overall crime remains moderate to low, driven predominantly by non-violent property offenses as the suburban population expands.
Effingham County School District is widely recognized as one of the stronger public school districts in the greater Savannah metro, frequently serving as a primary draw for inbound family relocations. Both major high schools (Effingham County High and South Effingham High) achieve solid state performance and graduation benchmarks.
Hazard risks include localized low-lying riverine flooding near the Savannah and Ogeechee Rivers, alongside coastal plain convective wind and hurricane fringe vulnerabilities. Most inland parcels sit outside mandatory FEMA Special Flood Hazard Areas, preserving manageable standard property insurance rates compared to immediate coastal barrier islands.
Effingham County is experiencing rapid economic expansion driven by logistics corridors supporting the Port of Savannah and industrial supplier proximity to the Hyundai Motor Group Metaplant America in nearby Bryan County. Major industrial parks along GA-21 and I-16 feeder routes continue to attract advanced manufacturing and distribution facilities.
Property taxes are levied based on an assessment ratio of 40 percent of fair market value assessed by the Effingham County Board of Assessors. Millage rates combine the Effingham County Board of Commissioners, Effingham County Board of Education, and State/special district levies, offset by standard homestead exemptions for owner-occupants.
Commuters travel primarily via GA-21 South and GA-30 into Savannah, Pooler, and Chatham County commercial hubs, with typical drive times ranging from 25 to 45 minutes depending on departure points in Rincon, Guyton, or Springfield.
Outdoor recreation centers on public boat ramps along the Savannah and Ogeechee Rivers, local community parks, and the Clarence E. Morgan Regional Park complex featuring multi-sport fields. Residents also enjoy equestrian trails, local golf facilities, and quick highway access to coastal fishing and Atlantic beaches.
Residential permitting maintains a steady pace across southern and central Effingham County, led by single-family master-planned subdivisions in Rincon and unincorporated tracts near the Bryan and Chatham borders.
The rental market is supported by single-family detached rentals and newer garden-style suburban apartments, with steady occupancy buoyed by workforce migration tied to port operations, logistics hubs, and industrial builds.
Effingham County's economy is anchored by advanced manufacturing, warehousing, and transportation logistics closely integrated with the Port of Savannah and the Hyundai Motor Group Metaplant supply chain. Major employers include regional distribution hubs, timber and paper products manufacturing, and the county public school system.
Primary road transit revolves around GA-21, GA-30, and GA-119 connecting into Interstate 95 and Interstate 16. The Effingham Parkway project provides crucial upcoming capacity relief for commuters driving south toward Savannah employment nodes.
Planning commissions across Effingham County and its municipalities focus on managing rapid residential subdivision growth, balancing water/sewer utility extensions, and preserving roadway level-of-service along key arterial corridors.
The Effingham County Board of Tax Assessors appraises residential, commercial, and agricultural properties annually at 100 percent fair market value, establishing a 40 percent assessed tax base under Georgia statutory guidelines.
Parcels are subject to county government and Effingham County School District taxing jurisdictions; specialized water, sewer, and stormwater development districts are administered locally by municipalities or county utility authorities.
Property insurance conditions remain relatively stable compared to barrier island coastal counties, although carriers monitor coastal windstorm exposure and regional hurricane convective thunderstorm risks.
- 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.
A premier county-operated regional sports complex in Springfield offering baseball/softball diamonds, soccer fields, walking paths, and gymnasium facilities supporting youth athletics.
A scenic cypress-lined blackwater waterway popular for kayaking, fishing, and boating, anchored by the historic 1734 Salzburgers settlement and museum grounds.
An 18-hole Joe Lee-designed championship public golf course located in Rincon featuring practice amenities, clubhouse dining, and community events.
Public river access ramp situated on the Savannah River providing recreational boaters and anglers easy transit to regional waterways.
Retrieved from U.S. Census Bureau QuickFacts and ACS demographic and housing profile data tables for Effingham County, GA.
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
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
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
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.