Apartments for Rent in Effingham, IL with Utilities Included (31 Rentals)

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Apartments in Effingham where your utility payments are included in your rent.

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

Thinking about getting a co-signer for your rental application? We break down what a co-signer is, the potential benefits, and the serious risks for both parties. Find out if it's the right choice for you.

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Who Pays for Utilities? Landlord or Tenant?

Your Guide to Understanding Who is Responsible for Which Utilities for When Renting. Click Below to Read More

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Understanding Amenity Fees: Know Where You Might Be Able to Save Money

What are amenity fees and are they optional? This guide breaks down everything you need to know about apartment amenity fees, including when you can opt out and how you might be able to lower your rent.

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Newton Senior Housing
Utilities Included
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Newton Senior Housing

201 Eaton StNewton, IL 62448
Senior Living
  • Utilities Included
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Cougill Senior Apartments
Utilities Included
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Cougill Senior Apartments

500 Polk AveCharleston, IL 61920
Senior Living
  • Utilities Included
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1905 12th St
Utilities Included
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1905 12th St

1905 12th StCharleston, IL 61920
Student Housing
  • Utilities Included

How I Find the Perfect Rental for My Clients: A Real Estate Pro's Guide

Finding the right apartment starts with three things: location, cost, and amenities. Get the insider perspective from a real estate professional on how to nail all three.

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Rider Place
Utilities Included
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Rider Place

9 Wills PlArcola, IL 61910
  • Utilities Included
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Sugar Creek Crossing
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Sugar Creek Crossing

211 Joanie LnRobinson, IL 62454
Senior Living
  • Utilities Included
Showing Results 1-31, Page 1 of 1

Effingham, IL Local Guide

10 Hidden Costs of Renting You Should Budget for Before Signing a Lease

Avoid financial stress when renting. Learn about the 10 most common hidden costs—from pet fees to utilities—you must budget for before you sign a lease.

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Real Estate and Rental Term Glossary | ApartmentHomeLiving.com Renter University

From the letter A all the way to the letter Z, the Real Estate and Rental Term Glossary from the content team at ApartmentHomeLiving.com provides our visitors and shoppers with a little clarity and helpful guidance in navigating the real estate world through definitions and explainers for the top subjects and terms that someone may come across during the leasing, buying, or selling process.

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Quick Rent Budget Calculator

How much rent can you afford?

The common "Rule of Thumb" is that rent should be no more than 30% of your income. How much is that? Enter your monthly income and click "Calculate My Budget" to find out.

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Best Local Schools in
Effingham, IL

School data provided by Great Schools

Remember the 3 Rules of Real Estate:
Location, Location, Location!

Explore Effingham, IL Rentals by Map

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See the most popular apartments and homes in Effingham, IL

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Effingham, IL Area Reviews

  • Parks
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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 Effingham

How much are Studio apartments in Effingham?

There are currently 8 Studio Apartments in Effingham with rent ranges from $475 to $1,558 with an average price of $933.

What is the current price range for One Bedroom Effingham Apartments for rent?

Today's rental pricing for One Bedroom Apartments in Effingham ranges from $413 to $2,077 with an average monthly rent of $827.

What does renting a Two Bedroom Apartment in Effingham cost?

The monthly rent prices of Two Bedroom Apartments currently available in Effingham range from $527 to $1,724. Today's average rental price for Two Bedrooms here is $957.

How expensive are Effingham Three Bedroom Apartments?

There are currently 26 Three Bedroom Apartments listings available in Effingham on ApartmentHomeLiving.com. The pricing ranges from $641 to $1,684 - averaging $1,083 for the location.

Expert Rental Resources

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.

Articles, How-To's, and Tips

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Apartment Occupancy Rates: Renter Attraction vs Renter Retention

Written by: Robin Stewart

There’s a tenet in marketing about client or customer attraction and retention. Studies and data have consistently shown it costs less to keep a current customer than to attract a new one.

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How I Find the Perfect Rental for My Clients: A Real Estate Pro's Guide

Written by: Robin Stewart

Evaluating rental properties for clients draws many parallels to house-hunting. Whether an apartment, loft, townhouse, or other rental, finding the right place means finding “home” for your client.

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Pet-Friendly Renting: Everything You Need to Know Before You Move

Written by: Christine Leonard, Esq.

For so many of us, pets are the best companions and a big part of our lives. For this reason, a pet-friendly house or apartment is often a very important - and nonnegotiable - part of a move.

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Creative Ways Developers Reimagine Retail Spaces as Residential Units

Written by: Robin Stewart

Adaptive reuse is when a commercial property is converted and repurposed. The real estate industry has embraced a growing number of these projects.