Effort, Pennsylvania.
Typical home $316,161 (+1.4% in a year). East Stroudsburg, PA metro.
to buy the typical home at today's mortgage rate — +$963 (+138%) since Jan 2020.
- 1 year
- Up $4,322 +1%
- $311,839$316,161 since Sep 2025
- 5 years
- Up $57,513 +22%
- $258,648$316,161 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Effort$1,659
- Pennsylvania$1,507
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 17 years.
Typical home values in Effort, PA rose 1.4% over the past year — in step with the nation.
Living in Effort, Monroe County, Pennsylvania
Effort, in Monroe County, had 1,965 people in the 2020 census. 91% of its homes are lived in by their owners and 9% are rented. Unemployment in Monroe County was 4.8% in August 2026, and the county had 0.3% more jobs in 2025 than the year before. The most people in Monroe County work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Effort is a small community in Monroe County where nearly all homes are lived in by their owners, and poverty is uncommon. Winters are cold, with a good deal of snow, and summers are warm. A typical household here has an income below the county's, and a typical home is valued at a good deal more than the county's median income would suggest.
Work. Residents work mostly in schools, hospitals and social care, with shops, professional and business services, and manufacturing also employing many. Across Monroe County, some of the largest workplaces are Tobyhanna Army Depot, Pocono Mountain Schools and Pocono Medical Center. Commutes tend to be long, and a modest number of people work from home.
Things to do. Pocono Raceway, a race track, is a short drive away. Big Pocono State Park, a protected area, and Cherry Valley National Wildlife Refuge are also a short drive away. For more of the outdoors, Hickory Run State Park is a longer drive.
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- 27%of adults have a degree
- 4%below the poverty line
- 41 mintypical commute
- 11%work from home
What people in Monroe County work in
Employed residents by industry, from the Census survey. Monroe County had 57,138 jobs in 2025, 0.3% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 36° and lows near 19°; warmest in July, with highs near 84° and lows near 61°. About 42 inches of snow and 54 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the East Stroudsburg weather station, 13 miles away (NOAA).
Largest workplaces in Monroe County
- Tobyhanna Army DepotCommunication equipment repair and maintenance services2,000
- Pocono Mountain SDSchool district1,435FTE
- Klaahari ResortsHotels with golf courses, tennis courts, and/or other health spa facilities1,348
- East Stroudsburg Area SDSchool district1,161FTE
- Pocono Medical CenterGeneral hospital1,030FTE
- WalmartGeneral warehousing and storage973
- St. Lukes Hospital - Monroe CampusGeneral hospital939FTE
- Mount Airy Casino ResortCasino hotels817
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 94 workplaces with 20 or more staff, 16,211 people in all across the county; Effort has one of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- LightningRelatively high
- Cold wavesRelatively high
- Winter weatherRelatively high
- Strong windRelatively moderate
- Inland floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Effort’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Monroe County and the East Stroudsburg, PA metro.
Effort home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Effort$316,161
- Pennsylvania$287,078
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Effort listings — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Effort28.55%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Effort40
New listings per month
Sellers arriving at the market.
- Effort12
Zip codes with a Effort address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Effort — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.