Effingham County, Georgia: commercial real estate data.
Effingham County, Georgia has a population of 69,143 across 478 square miles, up 12.9 percent since the 2020 census base. County output reached $3.03 bn in 2024, 987 establishments operate here, and the SBA record carries 66 7(a) approvals worth $34.2 m.
128 sourced county values · tier FULL · 12 sections
Effingham County
How many people live in Effingham County
- Population69,143
- Households24,287
- Average household size2.85
- Median household income$88,438
- Median age37.0
- Median gross rent$1,147 per month
- Median owner-occupied home value$276,000
- Home value to household income3.1 times
- Annual rent as a share of median income15.6 percent
- Adults 25 and over with a bachelor degree or higher27.2 percent
- Adults 25 and over with a graduate degree8.2 percent
- Adults 25 and over45,665
- Population under 1818,257
- Share under 1826.4 percent
- Population 65 and over8,631
- Share 65 and over12.5 percent
- Working age population, 18 to 6442,255
- Civilian labor force35,010
- Unemployment rate5.5 percent
- Labor force participation, adults 18 and over68.8 percent
- Rank by population among Georgia counties35th of 159
- Rank by population among US county-equivalents794th
Effingham County is the 35th largest of 159 Georgia counties by population. A median home costs 3.1 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 26.4 percent against 12.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Effingham County
Is Effingham County growing
- Population change since the 2020 census base12.90 percent
- Census 2020 base population64,792
- Births, 2024763
- Deaths, 2024578
- Natural change, 2024185
- Net domestic migration, 20241,363
- Net international migration, 202462
- Total net migration, 20241,425
- Cumulative net domestic migration, 2021 to 20246,931
- Rank by growth among US county-equivalents89th
The county has grown 12.90 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Effingham County
Where people moving to Effingham County come from
- Tax returns filed by households arriving2,776
- People arriving, from those returns5,833
- Adjusted gross income arriving$172.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$62,097
- Largest single originEffingham County Non-migrants (22,418 households)
- Largest single destination (22,418 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Effingham County Non-migrants | 22,418 | 50,693 | $1.70 bn |
| Other flows - Different State | 1,049 | 2,378 | $72.2 m |
| Chatham County | 1,015 | 2,073 | $62.4 m |
| Other flows - South | 531 | 1,195 | $34.3 m |
| Other flows - Same State | 274 | 501 | $14.9 m |
| Other flows - West | 184 | 444 | $14.7 m |
| Other flows - Northeast | 174 | 376 | $12.1 m |
| Other flows - Midwest | 160 | 363 | $11.2 m |
The largest single source of arrivals is Effingham 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.
Effingham County
What the Effingham County economy runs on
- County GDP, 2024$3.03 bn
- County GDP, 2023$3.02 bn
- GDP change, 2023 to 20240.2 percent
- GDP change over five years35.9 percent
- Rank by GDP among Georgia counties41st
- Rank by GDP among US county-equivalents974th
- GDP per resident$43,754
Output grew 0.2 percent in the latest year and 35.9 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.
Effingham County
Who employs people in Effingham County
- Covered employment, annual average13,926
- Establishments reporting1,189
- Average annual pay$54,201
- Average weekly wage$1,042
- Sector 31-33, employment2,612
- Sector 31-33, average annual pay$72,409
- Sector 44-45, employment1,689
- Sector 44-45, average annual pay$32,380
- Sector 72, employment1,135
- Sector 72, average annual pay$19,902
- Sector 23, employment1,022
- Sector 23, average annual pay$62,253
- Sector 62, employment790
- Sector 56, employment606
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 2,612 | 52 | $72,409 |
| Sector 44-45 | 1,689 | 134 | $32,380 |
| Sector 72 | 1,135 | 84 | $19,902 |
| Sector 23 | 1,022 | 161 | $62,253 |
| Sector 62 | 790 | 84 | $69,132 |
| Sector 56 | 606 | 76 | $36,970 |
| Sector 48-49 | 551 | 78 | $64,919 |
| Sector 81 | 525 | 79 | $44,321 |
The largest sector is the biggest private employer group at 2,612 jobs, 18.8 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.
Effingham County
What businesses operate in Effingham County
- Establishments, all industries987
- Employment at those establishments10,876
- Annual payroll$544.6 m
- Establishments per 1,000 residents14.3
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.
Effingham County
What is being built in Effingham County
- Housing units authorised by permit, 2024836
- Declared construction value permitted$189.3 m
- Single family units authorised790
- Multifamily units authorised46
- Multifamily share of units5.5 percent
- Average declared value per unit$226,473
- Units authorised per 1,000 households34.4
Multifamily is 5.5 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Effingham County
How much SBA lending happens in Effingham County
- 7(a) approvals recorded66
- 7(a) gross approval dollars$34.2 m
- Average 7(a) approval$517,821
- Median 7(a) approval$250,000
- 10th percentile approval$25,000
- 90th percentile approval$1,170,000
- Largest single approval$3,925,000
- Jobs reported supported, 7(a)422
- Jobs per approval6.4
- Distinct 7(a) lenders active32
- Distinct industries receiving approvals53
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer15.2 percent
- Loans on real estate terms10
- Loans on working capital terms, 120 months or shorter49
- Franchise loans10
- Franchise share of approvals15.2 percent
- Leading industry by approval countFreight Transportation Arrangement (4)
- Most active lenderThe Huntington National Bank (6)
- 504 approvals recorded10
- 504 gross approval dollars$10.5 m
- Average 504 approval$1,051,000
- Median 504 approval$507,000
- Distinct CDCs active5
- 504 jobs per approval11.8
- 504 jobs per million dollars approved11.2
- Most active CDCSmall Business Assistance Corporation (6)
- 7(a) share of SBA approvals86.8 percent
- Combined SBA approval dollars$44.7 m
The average approval of $517,821 sits well above the median of $250,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 15.2 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Effingham County
Do SBA loans in Effingham County get paid back
- Loans with a final outcome recorded8
- Paid in full7
- Charged off1
- Status: Paid in full7
- Status: Cancelled8
- Status: Exempt from disclosure48
- Status: Charged off1
- Status: Committed, not yet disbursed2
Too few loans have reached a final outcome to publish a charge off rate. only 8 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.
Effingham County
Which parts of Effingham County get the lending
- Places in the county with recorded lending6
- Rincon, approvals37
- GUYTON, approvals14
- SPRINGFIELD, approvals11
- Atlanta, approvals2
- Eden, approvals1
- Bloomingdale, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Rincon | 37 | $16,825,400 |
| GUYTON | 14 | $7,808,700 |
| SPRINGFIELD | 11 | $8,308,600 |
| Atlanta | 2 | $740,000 |
| Eden | 1 | $193,500 |
| Bloomingdale | 1 | $300,000 |
Rincon accounts for 37 approvals against 14 in GUYTON. 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.
Effingham County
How big is Effingham County
- Land area478 sq mi
- Rank by land area among Georgia counties31st of 159
- Width, east to west25 mi
- Height, north to south34.5 mi
- Geographies sharing a boundary4
- Residents per square mile of land145
- Establishments per square mile2.06
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.
Effingham County
What hazards affect Effingham County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book4
- Of those, participating in the NFIP4
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 7
- Communities carrying a CRS class1
The EPA places the county in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The best Community Rating System class in the county is 7, which carries a flood insurance premium discount for properties in the participating community.
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.
- 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 Effingham 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 Effingham County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population69,143
- Households24,287
- Average household size2.85
- Median household income$88,438
- Median age37.0
Common questions
Effingham County questions, answered from the record.
How many people live in Effingham County, Georgia?
69,143, in 24,287 households, ranking 35th of 159 Georgia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Effingham County growing?
The population has grown 12.90 percent since the 2020 census base. In 2024 there were 763 births against 578 deaths, with net migration of 1,425. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Effingham County?
$88,438. The median owner-occupied home is valued at $276,000, which is 3.1 times income, and median gross rent is $1,147 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Effingham County?
987 establishments, employing 10,876 people with an annual payroll of $544.6 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 Effingham County?
Average annual pay is $54,201, or $1,042 a week, across 13,926 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Effingham County?
66 7(a) approvals totalling $34.2 m since FY2020, across 32 lenders, with a median approval of $250,000, plus 10 504 approvals worth $10.5 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Effingham County?
836 housing units were authorised by permit in 2024, with a declared construction value of $189.3 m. Multifamily was 5.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Effingham 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 Effingham County come from?
The largest single origin is Effingham County Non-migrants, with 22,418 households. Arriving households report an average income of $62,097 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 Effingham 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 Effingham 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.