Real Estate Investing in Effingham, Kansas

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

1 ZIP codes • Population: 954 • Atchison County

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Should you buy in Effingham, KS? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (65/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • High vacancy: 12.5% of homes vacant — above national norms.

What’s happening in Effingham, KS?

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3.0/ 5

Investability

Citywide average

4.0/ 5

Appreciation

7.2% 5yr CAGR

5.0/ 5

Landlord Climate

Regulatory friendliness

🏦 30-yr Fixed Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS
Avg Investability
Avg Home Value $226,228
Avg Monthly Rent $792
ZIP Codes 1

Investing in Effingham Real Estate

Effingham (Kansas) spans 1 ZIPs and roughly a sizable population. decisively the fundamentals here skew distressed, with soft rents, soft appreciation, and structural headwinds worth respecting.

Across Effingham's 1 ZIPs, fundamentals run sluggish: thin appreciation, soft rents, and demographic trends that don't obviously reverse in the medium term.

Rent trends and price trends in Effingham are both soft, which is the uncomfortable combination that defines distressed-leaning markets in Kansas.

Effingham's population trends and income levels suggest a market where affordability is strained, which constrains how aggressively rents can rise without hurting collections.

A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Best ZIP codes in Atchison, KS

Effingham is part of this metro. Every ZIP in it, ranked. Free.

Cash Flow → Appreciation → Affordable →

Landlord Ground Truth

Real numbers from people who own or manage rentals in Effingham, KS. Anonymous, moderated, never written by AI.

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Avg Home Value
$226,228
Avg Monthly Rent
$792
1% Rule
✗ Below
Landlord Friendly (KS)

📉 Market Crash Risk Index

Based on Atchison, KS metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
0%
Days Pending
0/2
0 days

View all metro crash risk rankings →

☀️ Warm Market — Atchison, KS metro
0
Days to pending
7.5%
Listings with price cuts
0.0%
Sale-to-list ratio
📅 Data as of August 29, 2026 — updated weekly

ZIP Codes in Effingham, KS

Screen every ZIP in Effingham

Filter Effingham’s ZIPs by cap rate, vacancy, appreciation and 30+ more criteria, and export your shortlist to CSV — with the Investor plan ($19/mo).

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Frequently Asked Questions About Effingham, KS

What is the rental occupancy rate in Effingham, KS?

Effingham, KS vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.

Does Effingham, KS make sense for an investment property?

With a 3.0/5 investability score, Effingham, KS ranks as a solid market for rental property investors. Median prices of $226K and rents of $792/mo drive the underlying numbers.

What are home prices like in Effingham, KS?

The median home value in Effingham, KS is roughly $226K. That puts it reasonable relative to the KS statewide average.

Is Effingham, KS a friendly market for rental owners?

Effingham, KS falls under KS landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.

Does a duplex house hack pencil in Effingham, KS?

For house hackers, Effingham, KS is a challenging. The $792/mo rent on a unit helps defray the mortgage on a $226K property.

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