Median Income
$65,718
13% lower than US avg
Home Value
$166,700
41% lower than US avg
Violent Crime
545/100K
43% higher than US avg
Bachelor's+
27.8%
18% lower than US avg
Median Rent
$696
40% lower than US avg
Obesity Rate
35.6%
11% higher than US avg
Unemployment
1.4%
61% lower than US avg
Poverty Rate
9.4%
24% lower than US avg
How Effingham Compares to the U.S. Average (100% = U.S. avg)
People
Population12,258
Median Age36.9 yrs
Density1,136/mi²
Male / Female47% / 53%
Largest GroupWhite 94%
Veterans6.1%
Economy
A
Median Income$65,718
Per Capita$34,403
Unemployment1.4%
Poverty9.4%
County GDP$3,084M
Commute13 min
Housing
A+
Home Value$166,700
Rent$696
Ownership64.3%
Zillow$226,207
Housing Units5,538
Rent Burden22.9%
Crime
F
Violent545/100K
Property2,559/100K
Murder0.0/100K
Assault434/100K
Burglary245/100K
Health
Obesity35.6%
Uninsured8.4%
Smoking15.5%
Depression24.2%
Heart Disease5.7%
Climate
Avg Temp54°F (12°C)
AQI41 (Good)
Rain44.0 in/yr
Sunny Days293/yr
Elevation592 ft (180 m)
Education
B
Bachelor's+27.8%
High School+91.9%
Graduate+10.0%
School Score5.98
Community
2024 VoteR 79% / D 19%
Commute13 min
Broadband89.5%
EV Stations5
Libraries3
Is Effingham a Good Place to Live?
Based on current data, Effingham receives an overall livability score of 3.3 out of 5.0, earning a grade of B. Key strengths include low unemployment, affordable housing, abundant sunshine, high health insurance coverage. Areas to be aware of include elevated crime rates. Effingham offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Effingham is $65,718, 13% below the national average of $75,149. The job market is very strong with unemployment at just 1.4%. 9.4% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 13 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Effingham is $166,700, 41% below the national median / offering relatively affordable homeownership. Renters pay a median of $696 per month, below the national average / a plus for affordability. At just 2.5x median income, home prices are very affordable relative to local earnings.
Safety & Crime
The violent crime rate of 545 per 100,000 is above the national average of 380 / something for prospective residents to consider. Property crime occurs at a rate of 2,559 per 100,000, 31% above the national average.
Education
27.8% of residents hold a bachelor's degree, below the national average of 33.7%. 91.9% have completed high school. Area schools have an average test score of 6/10.
Climate & Weather
Effingham experiences four distinct seasons with an average temperature of 54°F. Winters average 29°F in January while summers reach 77°F in July. With 293 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 44.0 inches, including 14.6 inches of snow. Air quality is rated Good with a median AQI of 41.
Effingham has a population of 12,258 with a density of 1,136 people per square mile, spread across 9.9 square miles. The median age is 36.9 years, 5% younger than the national median of 38.9. The gender split is 52.9% female and 47.1% male. The city is predominantly White (94%), with 1.5% Black. English is the primary language spoken at home by 93.5% of residents, while 6.5% speak Spanish. 6.1% of the population are veterans. 18.6% of residents have a disability (above the 13.0% national average). 93.3% have health insurance coverage.
Population
36.9yrs
Median Age
5% below US avg
Race & Ethnicity
Effingham vs U.S. Average
Language Spoken at Home
English Only
93.5%
19% above US avg
Spanish
6.5%
51% below US avg
Social Characteristics
Effingham vs U.S. Average
The median household income in Effingham is $65,718, which is 13% below the national average of $75,149. Per capita income is $34,403 (below the $39,052 national figure). The average weekly wage is $1,020, 29% lower than the U.S. average. The unemployment rate is 1.4% (below the 3.6% US average). 9.4% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 1,237 business establishments, including 125 restaurants. The cost of living index is 100, roughly in line with the national average. Workers commute an average of 13 minutes (shorter than the 28-minute US average). 11.3% of workers work from home (below the 15.2% national rate).
Income: Effingham vs U.S.
Income
| Median HH Income | $65,718 |
| 13% below US avg |
| Per Capita Income | $34,403 |
| Avg Weekly Wage | $1,020 |
| IRS Avg AGI | $85,897 |
| Gini Index | 0.436 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.4% |
| 61% below US avg |
| Poverty Rate | 9.4% |
| 24% below US avg |
| Establishments (County) | 1,237 |
| County GDP | $3,084M |
Business (County)
| Restaurants | 125 |
| Healthcare | 159 |
| Retail | 195 |
| Manufacturing | 62 |
Tax & Cost of Living
| Property Tax (IRS) | $6,557 |
| 87% above US avg |
| Cost of Living | 100.00 (100=avg) |
| Effective Tax Rate | 3.93% |
Commute & Transportation
| Commute Time | 13.3 min |
| Drive Alone | 75.8% |
| Public Transit | 0.4% |
| Work from Home | 11.3% |
The median home value in Effingham is $166,700, 41% below the national median of $281,900. Zillow estimates the typical home value at $226,207, higher than the Census estimate. Homes sell for 94% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $696 (40% below the national average of $1,163). Fair market rent ranges from $754 for a one-bedroom to $916 for a two-bedroom apartment. 64.3% of housing units are owner-occupied. There are 5,538 total housing units in the city. The median year a home was built is 1974. The average annual property tax is $6,557 (higher than the $3,500 national average). 22.9% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.5x, well within the affordable range.
Home Values
| Census Median | $166,700 |
| 41% below US avg |
| Zillow ZHVI | $226,207 |
| Median List Price | $225,000 |
Real Estate Market (Redfin)
| Median List Price | $225,000 |
| $/Sq Ft | $111 |
| Homes Sold | 8 |
| Sale-to-List Ratio | 94.0% |
| Price Drops | 24.1% |
| Inventory | 29 |
Rental Costs
| Census Median Rent | $696 |
| 40% below US avg |
| Rent Burden | 22.9% |
HUD Fair Market Rent
| Studio | $745 |
| 1 Bedroom | $754 |
| 2 Bedrooms | $916 |
| 3 Bedrooms | $1,208 |
| 4 Bedrooms | $1,385 |
Ownership & Property
| Homeownership | 64.3% |
| Owner-Occupied | 64.3% |
| Renter-Occupied | 35.7% |
| Housing Units | 5,538 |
| Median Year Built | 1974 |
Property Tax
| Avg Tax (IRS) | $6,557 |
| 87% above US avg |
| Effective Rate | 3.93% |
In Effingham, 35.6% of adults are obese, above the national rate of 32.1%. 10.1% have diabetes. Heart disease affects 5.7% of residents. 31.6% have high blood pressure. 15.5% are current smokers. 20.2% report binge drinking. 23.3% are physically inactive. 24.2% report depression (above the 20.0% national average). 18.8% experience frequent mental distress. 8.4% of residents lack health insurance. The primary care physician ratio is 1:1,275. The dentist ratio is 1:563. 58.8% of residents have access to exercise opportunities. The food environment index is 8.5 out of 10.
Air Quality (Open-Meteo CAMS — 2026-05-28)
PM2.5
1.2
μg/m³
Fine particulate
PM10
1.4
μg/m³
Coarse particulate
NO₂
3.1
μg/m³
Nitrogen dioxide
SO₂
0.4
μg/m³
Sulphur dioxide
CO
163.0
μg/m³
Carbon monoxide
Health Metrics: Effingham vs U.S. Average (%)
Chronic Conditions
| Obesity | 35.6% |
| 11% above US avg |
| Diabetes | 10.1% |
| Heart Disease | 5.7% |
| High Blood Pressure | 31.6% |
| Asthma | 10.7% |
| COPD | 7.2% |
| Cancer | 7.4% |
| Stroke | 3.1% |
Behaviors & Mental Health
| Smoking | 15.5% |
| 11% above US avg |
| Binge Drinking | 20.2% |
| Physical Inactivity | 23.3% |
| Depression | 24.2% |
| Mental Distress | 18.8% |
| Physical Distress | 13.2% |
| Short Sleep | 37.0% |
Healthcare Access
| Insurance Rate | 93.3% |
| Uninsured | 8.4% |
| 2% below US avg |
| Primary Care | 1:1,275 |
| Dentists | 1:563 |
| Mental Health | 1:386 |
| Checkup Rate | 75.6% |
| Dental Visits | 59.7% |
| Premature Death | 6,573/100K |
Food & Exercise
| Food Environment | 8.5/10 |
| Exercise Access | 58.8% |
| Healthcare Facilities | 159 |
Effingham has a violent crime rate of 545 per 100,000 residents, 43% above the national average of 380. This breaks down to aggravated assault at 434.4 per 100,000, robbery at 7.9, rape at 102.7. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 2,559 per 100,000, 31% above the U.S. average. This includes larceny/theft at 2,251, burglary at 245, vehicle theft at 63 per 100,000 residents. The county recorded 7 fatal traffic crashes. Overall, Effingham receives a safety grade of F.
Crime Rates: Effingham vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 544.9/100K |
| 43% above US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 102.7/100K |
| Robbery | 7.9/100K |
| Assault | 434.4/100K |
Property Crime
| Total Property | 2,558.8/100K |
| 31% above US avg |
| Burglary | 244.8/100K |
| Theft | 2,250.8/100K |
| Vehicle Theft | 63.2/100K |
| Arson | 47.4/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 7 |
| Traffic Accidents | 140 |
| Avg Accident Severity | 2.9 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Effingham experiences four distinct seasons with an average annual temperature of 54°F (12°C). Winters average 29°F in January while summers reach 77°F in July. The area gets 293 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 44.0 inches. The area receives 14.6 inches of snow annually. Air quality is rated Good with a median AQI of 41. 90% of days have good air quality. The city sits at an elevation of 592 feet.
Temperature
29°F Jan (-2°C)
77°F Jul (25°C)
| Annual Average | 54.4°F |
| 1% above US avg |
| January Average | 29°F (-2°C) |
| July Average | 77°F (25°C) |
| Sunny Days | 293 days/yr |
Geography
| Elevation | 592 ft (180 m) |
| Area | 9.9 sq mi (25.7 km²) |
| Population Density | 1,136/sq mi |
| Coordinates | 39.1198°N, 88.5509°W |
| Timezone | America/Chicago |
| County | Effingham County County |
| Nearest Airport | Lawrenceville-Vincennes International (LWV) 56 miles away |
Precipitation & Snow
Annual Rainfall
44.0"
16% above US avg
Wettest Month (Jun)
4.13"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
| Good Days % | 90.4% |
| Unhealthy Days | 1 |
Air Pollutants (EPA 2023)
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 53.8 / 100 |
| Social Vulnerability | 23.0 / 100 |
| Community Resilience | 95.0 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Low |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
52 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M5.2. Most recent: M2.6 on Aug 9, 2025.
| Apr 18, 2008 |
7 km NNE of Bellmont, Illinois |
M5.2 |
94 km |
| Apr 18, 2008 |
9 km NNE of Bellmont, Illinois |
M4.7 |
94 km |
| Jun 18, 2002 |
6 km SW of Parkers Settlement, Indiana |
M4.6 |
142 km |
| Apr 21, 2008 |
7 km NNE of Bellmont, Illinois |
M4.0 |
95 km |
| Jun 17, 2021 |
Illinois-Indiana border region |
M3.8 |
134 km |
| Nov 11, 1991 |
3 km W of Flat Rock, Illinois |
M3.8 |
77 km |
| Sep 19, 2017 |
4 km N of Bellmont, Illinois |
M3.8 |
95 km |
| Apr 25, 2008 |
8 km NNE of Bellmont, Illinois |
M3.7 |
95 km |
| Jan 2, 2006 |
3 km NNE of Eldorado, Illinois |
M3.6 |
143 km |
| Nov 20, 2012 |
7 km N of Bellmont, Illinois |
M3.6 |
93 km |
| Jun 5, 2008 |
8 km WNW of Mount Carmel, Illinois |
M3.4 |
96 km |
| Mar 2, 1990 |
9 km NW of Vernon, Illinois |
M3.4 |
61 km |
| May 30, 2015 |
4 km ENE of Geff, Illinois |
M3.4 |
75 km |
| May 1, 2008 |
8 km NNE of Bellmont, Illinois |
M3.3 |
95 km |
| May 13, 2025 |
7 km SSW of Lerna, Illinois |
M3.3 |
33 km |
| Oct 24, 1990 |
5 km ENE of Woodlawn, Illinois |
M3.2 |
93 km |
| Jan 29, 1993 |
7 km WNW of Brownstown, Illinois |
M3.2 |
43 km |
| May 2, 2003 |
10 km ENE of Thompsonville, Illinois |
M3.2 |
129 km |
| Apr 6, 1994 |
2 km NE of Tamaroa, Illinois |
M3.2 |
122 km |
| Jul 1, 2017 |
9 km SSE of Mulberry Grove, Illinois |
M3.1 |
66 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
517 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 24 fatalities, 523 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jun 2, 1990 |
EF4 |
97 km |
1 |
| Jun 2, 1990 |
EF4 |
31 km |
0 |
| Jun 2, 1990 |
EF4 |
62 km |
0 |
| Jan 7, 1989 |
EF4 |
98 km |
0 |
| Mar 20, 1976 |
EF4 |
79 km |
0 |
| Mar 31, 2023 |
EF3 |
49 km |
6 |
| Dec 1, 2018 |
EF3 |
80 km |
0 |
| Nov 17, 2013 |
EF3 |
83 km |
0 |
| Apr 21, 2002 |
EF3 |
87 km |
1 |
| Jun 1, 1999 |
EF3 |
99 km |
1 |
| Apr 19, 1996 |
EF3 |
95 km |
0 |
| Aug 21, 1977 |
EF3 |
36 km |
6 |
| Aug 10, 1974 |
EF3 |
19 km |
0 |
| Aug 10, 1974 |
EF3 |
58 km |
0 |
| Apr 3, 1974 |
EF3 |
83 km |
1 |
| Apr 3, 1974 |
EF3 |
100 km |
1 |
| Apr 1, 1974 |
EF3 |
84 km |
0 |
| Apr 29, 1963 |
EF3 |
94 km |
0 |
| Apr 22, 1963 |
EF3 |
94 km |
0 |
| Apr 22, 1963 |
EF3 |
79 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
29°F (-2°C) |
2.1 in |
Coldest, Driest |
| February |
32°F (-0°C) |
2.2 in |
|
| March |
43°F (6°C) |
3.7 in |
|
| April |
53°F (12°C) |
3.7 in |
|
| May |
63°F (17°C) |
4.1 in |
|
| June |
73°F (23°C) |
4.1 in |
Wettest |
| July |
77°F (25°C) |
4.1 in |
Warmest |
| August |
75°F (24°C) |
3.0 in |
|
| September |
68°F (20°C) |
3.1 in |
|
| October |
56°F (13°C) |
2.8 in |
|
| November |
44°F (7°C) |
3.6 in |
|
| December |
33°F (0°C) |
3.4 in |
|
Effingham has a seasonal temperature swing of 48°F / from 29°F in January to 77°F in July. Total annual precipitation is 39.8 inches, with June being the wettest month (4.1") and January the driest (2.1").
Average costs for common services in Effingham. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$250 ($150–$400) |
| Specialist Visit |
$350 ($200–$550) |
| Urgent Care Visit |
$200 ($100–$350) |
| Emergency Room Visit |
$2,200 ($800–$5,000) |
| Dental Cleaning |
$130 ($75–$200) |
| Dental Filling |
$250 ($150–$400) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$45 ($25–$75) |
| Oil Change (Synthetic) |
$75 ($50–$120) |
| Brake Pad Replacement |
$300 ($150–$500) |
| Tire Rotation |
$40 ($20–$75) |
| New Tires (Set of 4) |
$600 ($400–$1,000) |
| Battery Replacement |
$200 ($100–$350) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$100 ($60–$150) |
| Electrician (Per Hour) |
$90 ($50–$140) |
| HVAC Repair |
$400 ($150–$800) |
| HVAC System Install |
$7,000 ($4,000–$12,000) |
| Roof Repair |
$1,000 ($400–$2,000) |
| Roof Replacement |
$9,000 ($5,500–$15,000) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,500 ($500–$3,500) |
| Divorce (Contested) |
$15,000 ($5,000–$30,000) |
| DUI Defense |
$5,000 ($2,000–$10,000) |
| Bankruptcy (Chapter 7) |
$1,500 ($800–$3,000) |
| Will Preparation |
$500 ($200–$1,000) |
| Trust Preparation |
$2,500 ($1,000–$5,000) |
View all 12 services
Personal Care
| Men's Haircut |
$25 ($15–$45) |
| Women's Haircut |
$55 ($30–$100) |
| Hair Coloring (Full) |
$150 ($75–$250) |
| Manicure |
$25 ($15–$45) |
| Pedicure |
$40 ($25–$65) |
| Massage (1 Hour) |
$80 ($50–$130) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.10 ($3.00–$5.50) |
| Dozen Eggs (per dozen) |
$3.50 ($2.50–$5.00) |
| Loaf of Bread |
$3.80 ($2.50–$5.50) |
| Chicken Breast (per lb) |
$4.50 ($3.00–$6.50) |
| Ground Beef (per lb) |
$5.50 ($4.00–$7.50) |
| Rice (per lb) |
$1.00 ($0.60–$1.80) |
View all 20 services
Utilities
| Electricity (Monthly) |
$140 ($80–$250) |
| Natural Gas (Monthly) |
$70 ($30–$150) |
| Water/Sewer (Monthly) |
$70 ($40–$120) |
| Internet (Monthly) |
$70 ($40–$100) |
| Cell Phone Plan (Monthly) |
$65 ($30–$100) |
| Cable TV (Monthly) |
$85 ($50–$150) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$200 ($75–$500) |
| Car Insurance (Annual) |
$2,000 ($1,200–$3,500) |
| Bus Pass (Monthly) |
$70 ($30–$130) |
| Taxi/Uber (5-Mile Ride) |
$15 ($8.00–$25) |
| Car Registration (Annual) |
$100 ($30–$250) |
| Driver's License Renewal |
$30 ($15–$75) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,200 ($600–$2,500) |
| Daycare (Toddler, Monthly) |
$1,000 ($500–$2,000) |
| After-School Care (Monthly) |
$400 ($200–$700) |
| Tutoring (Per Hour) |
$50 ($25–$100) |
| SAT/ACT Prep Course |
$1,000 ($400–$2,500) |
| Private School (K-12, Annual) |
$12,500 ($5,000–$30,000) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$60 ($30–$100) |
| Dog Vaccination (Annual) |
$100 ($50–$200) |
| Dog Grooming |
$60 ($30–$100) |
| Pet Boarding (Per Night) |
$40 ($20–$75) |
| Dog Spay/Neuter |
$300 ($150–$500) |
| Cat Spay/Neuter |
$200 ($100–$400) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $655 |
| Toddler | $611 |
| Preschool | $541 |
| Family Childcare (monthly) |
| Infant | $570 |
| Toddler | $570 |
| Preschool | $542 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Effingham
What is the population of Effingham?
Effingham has a population of 12,258 residents and is located in Illinois. The population density is 1,136 people per square mile, spread across 9.9 square miles. The median age of residents is 36.9 years. The population is 52.9% female and 47.1% male.
Is Effingham expensive to live in?
Effingham has a cost of living roughly in line with the national average, with an index of 100 (baseline: 100). The median household income is $65,718, 13% below the national average of $75,149. The median home value is $166,700 (41% below the U.S. median). Renters pay a median of $696 per month, below the national average of $1,163. The home price-to-income ratio is 2.5x, indicating housing is reasonably affordable relative to local income levels.
Is Effingham safe?
The violent crime rate in Effingham is 545 per 100,000 residents, above the national average of 380. Prospective residents should research specific neighborhoods, as crime rates can vary significantly within the city. Property crime occurs at a rate of 2,559 per 100,000 (above the national average). Overall, Effingham receives a safety grade of F based on combined crime data.
What is the weather like in Effingham?
Effingham has a four-season climate with an average annual temperature of 54°F (12°C). Winter temperatures average 29°F in January, while summers reach an average of 77°F in July. The area receives 293 sunny days per year, well above the national average of 205. Annual rainfall totals 44.0 inches, with 14.6 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Effingham?
The job market in Effingham is very strong, with unemployment at just 1.4% / well below the national rate of 3.6%. The average weekly wage is $1,020. There are 1,237 business establishments in the area, including 125 restaurants and food service locations. The average commute time is 13 minutes, and 11.3% of workers work from home.
How much does housing cost in Effingham?
The median home value in Effingham is $166,700. Zillow estimates the typical home value at $226,207. For renters, the median monthly rent is $696. Fair market rent is $754 for a 1-bedroom and $916 for a 2-bedroom apartment. The homeownership rate is 64.3%. The average annual property tax is $6,557.
How are the schools in Effingham?
Schools in Effingham score 6 out of 10 on standardized testing, near the national average. 27.8% of adults in Effingham hold a bachelor's degree or higher, below the national average of 33.7%. 91.9% have completed high school. 10.0% hold a graduate or professional degree.
How healthy is Effingham?
The obesity rate in Effingham is 35.6% (above the national rate of 32.1%). 15.5% of adults are smokers. 23.3% are physically inactive. 24.2% of residents report depression. 8.4% lack health insurance. 58.8% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,275.
What is transportation like in Effingham?
The average commute in Effingham is 13 minutes, shorter than the national average of 28 minutes. 75.8% of workers drive alone to work, and 11.3% work from home.
What are the demographics of Effingham?
The racial and ethnic makeup of Effingham is 94% White, 1.5% Black or African American. 93.5% of residents speak only English at home, while 6.5% speak Spanish. 6.1% of the population are military veterans. 18.6% of residents have a disability. 93.3% have health insurance coverage.