3 Bedroom Apartments for Rent in Effingham, IL (31 Rentals)

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property at 107 N Oak St

107 N Oak St

EffinghamIL62401
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Villages
3 Bedroom Apartments

Villages

101 E Hendelmeyer AveEffingham, IL 62401

Don't Settle: How to Negotiate Your Apartment Lease and Save Money

Discover the insider tips from an attorney and real estate agent on how to negotiate your next apartment lease. Find out what's on the table and what's not, so you can save money and get the best terms possible.

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Roommate Matching: Finding the Right Fit and Avoiding Pitfalls

When searching for a roommate, follow this list of essential steps and set clear expectations to create a solid foundation for a harmonious living situation.

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The Ultimate Long-Distance Moving Checklist: Tips from a Real Estate Pro

Moving is tough, especially long-distance. Learn how to minimize stress & expenses with proven strategies from a real estate pro, covering everything from logistics to finances.

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Cash or credit? Understanding the Importance of Credit Score in Real Estate and Renting

Discover how your credit score impacts your ability to lease or buy a home. Learn how credit scores are determined, how to check yours, and strategies to improve it for real estate success.

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Highland
3 Bedroom Apartments

Highland

1526 Edgar DrCharleston, IL 61920
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McKay Manor
3 Bedroom Apartments

McKay Manor

1 McKay Manor DrBreese, IL 62230
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Effingham, IL Local Guide

Largest Available Effingham and Nearby 3 Bedroom Apartments

The largest available 3 Bedroom apartment unit in Effingham, IL is found at Panther Heights and is 1,400 square feet priced from $1,350. Westmont Apartments has the second largest 3 Bedroom, which is sized at 1,300 square feet and currently listed start at $1,450. Here is today’s list of the largest available 3 Bedroom units in Effingham:

Apartment ListingModel NameSquare FootagePriced From
Panther Heights3 Bed 2.5 Bath1,400 Sq Ft$1,350
Westmont Apartments3x1.51,300 Sq Ft$1,450
Roosevelt School Apartments3 Bedroom1,285 Sq Ft$613
McKay Manor3 Bedroom1,266 Sq Ft$583
The Millennium Apartments3 Bedroom1,240 Sq Ft$505
Centralia EstatesUnit 711,216 Sq Ft$1,099
Charleston Pointe Apartments3 Bedroom 3bathroom - Non Furnished1,188 Sq Ft$1,200
Capitol Pointe3 Beds, 2 baths1,103 Sq Ft$490
Rider Place3 Bedroom1,100 Sq Ft$675

Cheapest Available Effingham and Nearby 3 Bedroom Apartments

As of October 14, 2025 the lowest priced 3 Bedroom apartment unit in Effingham, IL is the 3 Beds, 2 baths Model starting from $490 at Capitol Pointe . The second most affordable Effingham 3 Bedroom is the 3 Bedroom Model at The Millennium Apartments starting at $505 . The average price for all 3 Bedroom apartments in Effingham is currently $1,040. Here is today’s list of the cheapest available 3 Bedroom options in Effingham:

Apartment ListingModel NamePriced From
Capitol Pointe3 Beds, 2 baths$490
The Millennium Apartments3 Bedroom$505
McKay Manor3 Bedroom$583
Roosevelt School Apartments3 Bedroom$613
Rider Place3 Bedroom$675
OldeTowne Apartments3 Bed/1.5 Bath$799
Royal HeightsRoyal Heights 2 Bed w/ Study & 1.5 Bath$835
Centralia EstatesUnit 71$1,099
Charleston Pointe Apartments3 Bedroom 3bathroom - Non Furnished$1,200
Panther Heights3 Bed 2.5 Bath$1,350

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Best Local Schools in
Effingham, IL

School data provided by Great Schools

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Getting Around Effingham, IL

Walk Score®

39 / 100

Car-Dependent

Most errands require a car

Bike Score®

44 / 100

Somewhat Bikeable

Minimal bike infrastructure

What Are Walk Score®, Transit Score®, and Bike Score® Ratings?

  • Walk Score® measures the walkability of any address.
  • Transit Score® measures access to public transit.
  • Bike Score® measures the bikeability of any address.

Effingham, IL Area Reviews

  • Parks
  • Entertainment
  • Local Vibes
  • Restaurants
  • Location
  • Traffic
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  • Outdoor Access
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  • Safety

Kathy • 2+ years in Effingham

September 24, 2025

There are a lot of parks, bars, and churches. And doctors! It’s a super tiny town but it’s got more like tiny town vibes.

Frequently Asked Questions about 3 Bedroom Effingham Apartments

How much is the average rent for a 3 Bedroom Effingham Apartment?

The average rent for a 3 Bedroom Apartment in Effingham is $1,040.

What is the largest available 3 Bedroom Effingham Apartment for rent?

Today's apartment with the most square footage in Effingham is a 1,400 square feet unit starting from $1,350 at Panther Heights.

What is the average size for Effingham 3 Bedroom Apartments for rent?

The average size for a 3 Bedroom rental in Effingham is currently 1,263 sq ft.

Expert Rental Resources

Helpful Apartment Articles, How-To's and Tips

The rental experts at ApartmentHomeLiving.com provide you with top advice, tools, and tips for understanding the leasing process and finding the perfect rental. Here are a few helpful rental and leasing articles from our experts to guide you on your search.

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How to Negotiate Your Apartment Lease and Save Money

Written by: Christine Leonard, Esq.

Everything is a negotiation in real estate! 

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The Rental Move-In Inspection Checklist: A Guide for Renters

Written by: Trey Huguley

The move-in inspection checklist is a crucial tool for both tenants and landlords. This checklist, provided by the team at ApartmentHomeLiving.com, helps document the condition of an apartment at the time of move-in.

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Your Guide to Co-Signers: The Risks, Rewards, and Everything in Between

Written by: Christine Leonard, Esq.

For many people, obstacles can arise during the rental application process for a variety of issues.

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The Ultimate Long-Distance Moving Checklist: Tips from a Real Estate Pro

Written by: Christine Leonard, Esq.

Hard truth. Moving is never easy. I’ve done it all – from local moves to cross-country relocations From packing to unpacking the last box, I have found moving to be an exhausting, expensive and stressful experience every time.