Chattooga County, Georgia: commercial real estate data.
Chattooga County, Georgia has a population of 25,036 across 313 square miles, up 1.3 percent since the 2020 census base. County output reached $735.7 m in 2024, 319 establishments operate here, and the SBA record carries 12 7(a) approvals worth $8.3 m.
113 sourced county values · tier FULL · 12 sections
Chattooga County
How many people live in Chattooga County
- Population25,036
- Households9,154
- Average household size2.73
- Median household income$50,285
- Median age41.1
- Median gross rent$790 per month
- Median owner-occupied home value$115,600
- Home value to household income2.3 times
- Annual rent as a share of median income18.9 percent
- Adults 25 and over with a bachelor degree or higher12.0 percent
- Adults 25 and over with a graduate degree5.3 percent
- Adults 25 and over17,623
- Population under 185,501
- Share under 1822.0 percent
- Population 65 and over4,676
- Share 65 and over18.7 percent
- Working age population, 18 to 6414,859
- Civilian labor force9,975
- Unemployment rate5.4 percent
- Labor force participation, adults 18 and over51.1 percent
- Rank by population among Georgia counties77th of 159
- Rank by population among US county-equivalents1663rd
Chattooga County is the 77th largest of 159 Georgia counties by population. A median home costs 2.3 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 22.0 percent against 18.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Chattooga County
Is Chattooga County growing
- Population change since the 2020 census base1.34 percent
- Census 2020 base population24,971
- Births, 2024257
- Deaths, 2024400
- Natural change, 2024-143
- Net domestic migration, 2024202
- Net international migration, 202470
- Total net migration, 2024272
- Cumulative net domestic migration, 2021 to 2024806
- Rank by growth among US county-equivalents1382nd
The county has grown 1.34 percent since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Chattooga County
Where people moving to Chattooga County come from
- Tax returns filed by households arriving556
- People arriving, from those returns1,107
- Adjusted gross income arriving$29.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$53,099
- Largest single originChattooga County Non-migrants (7,635 households)
- Largest single destination (7,635 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Chattooga County Non-migrants | 7,635 | 16,281 | $386.8 m |
| Other flows - Same State | 197 | 365 | $11.6 m |
| Other flows - Different State | 141 | 279 | $9.4 m |
| Other flows - South | 108 | 215 | $6.9 m |
| Walker County | 101 | 226 | $3.8 m |
| Floyd County | 91 | 181 | $4.0 m |
| Other flows - West | 33 | 64 | $2.4 m |
| Cherokee County | 26 | 56 | $793,000 |
The largest single source of arrivals is Chattooga County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Chattooga County
What the Chattooga County economy runs on
- County GDP, 2024$735.7 m
- County GDP, 2023$660.4 m
- GDP change, 2023 to 202411.4 percent
- GDP change over five years36.3 percent
- Rank by GDP among Georgia counties94th
- Rank by GDP among US county-equivalents2094th
- GDP per resident$29,384
Output grew 11.4 percent in the latest year and 36.3 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Chattooga County
Who employs people in Chattooga County
- Covered employment, annual average4,989
- Establishments reporting388
- Average annual pay$43,955
- Average weekly wage$845
- Sector 31-33, employment1,377
- Sector 31-33, average annual pay$49,155
- Sector 44-45, employment734
- Sector 44-45, average annual pay$27,932
- Sector 23, employment298
- Sector 23, average annual pay$56,178
- Sector 42, employment132
- Sector 42, average annual pay$55,237
- Sector 52, employment87
- Sector 81, employment70
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 1,377 | 21 | $49,155 |
| Sector 44-45 | 734 | 80 | $27,932 |
| Sector 23 | 298 | 44 | $56,178 |
| Sector 42 | 132 | 10 | $55,237 |
| Sector 52 | 87 | 22 | $63,801 |
| Sector 81 | 70 | 23 | $35,312 |
| Sector 11 | 63 | 11 | $51,957 |
| Sector 54 | 60 | 18 | $53,015 |
The largest sector is the biggest private employer group at 1,377 jobs, 27.6 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Chattooga County
What businesses operate in Chattooga County
- Establishments, all industries319
- Employment at those establishments4,462
- Annual payroll$163.9 m
- Establishments per 1,000 residents12.7
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Chattooga County
What is being built in Chattooga County
- Housing units authorised by permit, 20242
- Declared construction value permitted$506,434
- Single family units authorised2
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$253,217
- Units authorised per 1,000 households0.2
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Chattooga County
How much SBA lending happens in Chattooga County
- 7(a) approvals recorded12
- 7(a) gross approval dollars$8.3 m
- Average 7(a) approval$691,417
- Median 7(a) approval$511,000
- 10th percentile approval$75,000
- 90th percentile approval$1,800,000
- Largest single approval$2,331,000
- Jobs reported supported, 7(a)71
- Jobs per approval5.9
- Distinct 7(a) lenders active8
- Distinct industries receiving approvals8
- Median 7(a) term300 months
- Share of loans on real estate terms, 240 months or longer83.3 percent
- Loans on real estate terms10
- Loans on working capital terms, 120 months or shorter2
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countGasoline Stations with Convenience Stores (4)
- Most active lenderPromiseOne Bank (3)
The average approval of $691,417 sits close to the median of $511,000, so lending here is fairly evenly sized rather than driven by a few large deals. 83.3 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Chattooga County
Do SBA loans in Chattooga County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Cancelled3
- Status: Exempt from disclosure8
- Status: Paid in full1
Too few loans have reached a final outcome to publish a charge off rate. only 1 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Chattooga County
Which parts of Chattooga County get the lending
- Places in the county with recorded lending4
- SUMMERVILLE, approvals7
- MENLO, approvals2
- LYERLY, approvals2
- TRION, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| SUMMERVILLE | 7 | $4,581,000 |
| MENLO | 2 | $555,000 |
| LYERLY | 2 | $2,311,000 |
| TRION | 1 | $850,000 |
SUMMERVILLE accounts for 7 approvals against 2 in MENLO. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Chattooga County
How big is Chattooga County
- Land area313 sq mi
- Rank by land area among Georgia counties94th of 159
- Width, east to west23.9 mi
- Height, north to south20.9 mi
- Geographies sharing a boundary2
- Residents per square mile of land80
- Establishments per square mile1.02
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Chattooga County
What hazards affect Chattooga County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book5
- Of those, participating in the NFIP5
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L.
US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001. FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- No 504 approvals recorded in this county in the FOIA release covering FY2010 onward.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Chattooga County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Chattooga County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population25,036
- Households9,154
- Average household size2.73
- Median household income$50,285
- Median age41.1
Common questions
Chattooga County questions, answered from the record.
How many people live in Chattooga County, Georgia?
25,036, in 9,154 households, ranking 77th of 159 Georgia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Chattooga County growing?
The population has grown 1.34 percent since the 2020 census base. In 2024 there were 257 births against 400 deaths, with net migration of 272. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Chattooga County?
$50,285. The median owner-occupied home is valued at $115,600, which is 2.3 times income, and median gross rent is $790 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Chattooga County?
319 establishments, employing 4,462 people with an annual payroll of $163.9 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Chattooga County?
Average annual pay is $43,955, or $845 a week, across 4,989 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Chattooga County?
12 7(a) approvals totalling $8.3 m since FY2020, across 8 lenders, with a median approval of $511,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Chattooga County?
2 housing units were authorised by permit in 2024, with a declared construction value of $506,434. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Chattooga County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Chattooga County come from?
The largest single origin is Chattooga County Non-migrants, with 7,635 households. Arriving households report an average income of $53,099 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Chattooga County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Chattooga County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.