Elbert County, Georgia: commercial real estate data.
Elbert County, Georgia has a population of 19,849 across 351 square miles, up 2.6 percent since the 2020 census base. County output reached $998.2 m in 2024, 448 establishments operate here, and the SBA record carries 24 7(a) approvals worth $26.2 m.
122 sourced county values · tier FULL · 12 sections
Elbert County
How many people live in Elbert County
- Population19,849
- Households8,376
- Average household size2.37
- Median household income$58,450
- Median age43.2
- Median gross rent$844 per month
- Median owner-occupied home value$142,000
- Home value to household income2.4 times
- Annual rent as a share of median income17.3 percent
- Adults 25 and over with a bachelor degree or higher16.3 percent
- Adults 25 and over with a graduate degree6.1 percent
- Adults 25 and over14,154
- Population under 184,380
- Share under 1822.1 percent
- Population 65 and over4,201
- Share 65 and over21.2 percent
- Working age population, 18 to 6411,268
- Civilian labor force9,449
- Unemployment rate4.6 percent
- Labor force participation, adults 18 and over61.1 percent
- Rank by population among Georgia counties91st of 159
- Rank by population among US county-equivalents1894th
Elbert County is the 91st largest of 159 Georgia counties by population. A median home costs 2.4 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 22.1 percent against 21.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Elbert County
Is Elbert County growing
- Population change since the 2020 census base2.64 percent
- Census 2020 base population19,634
- Births, 2024249
- Deaths, 2024300
- Natural change, 2024-51
- Net domestic migration, 2024193
- Net international migration, 202410
- Total net migration, 2024203
- Cumulative net domestic migration, 2021 to 2024847
- Rank by growth among US county-equivalents965th
The county has grown 2.64 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.
Elbert County
Where people moving to Elbert County come from
- Tax returns filed by households arriving557
- People arriving, from those returns1,119
- Adjusted gross income arriving$24.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$43,804
- Largest single originElbert County Non-migrants (6,614 households)
- Largest single destination (6,614 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Elbert County Non-migrants | 6,614 | 13,875 | $352.3 m |
| Other flows - Same State | 156 | 312 | $6.9 m |
| Other flows - Different State | 155 | 303 | $7.4 m |
| Other flows - South | 92 | 197 | $4.1 m |
| Hart County | 61 | 131 | $1.9 m |
| Clarke County | 60 | 109 | $1.8 m |
| Madison County | 51 | 114 | $2.2 m |
| Franklin County | 30 | 65 | $1.0 m |
The largest single source of arrivals is Elbert 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.
Elbert County
What the Elbert County economy runs on
- County GDP, 2024$998.2 m
- County GDP, 2023$886.7 m
- GDP change, 2023 to 202412.6 percent
- GDP change over five years45.2 percent
- Rank by GDP among Georgia counties81st
- Rank by GDP among US county-equivalents1843rd
- GDP per resident$50,291
Output grew 12.6 percent in the latest year and 45.2 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.
Elbert County
Who employs people in Elbert County
- Covered employment, annual average6,086
- Establishments reporting546
- Average annual pay$45,565
- Average weekly wage$876
- Sector 31-33, employment1,667
- Sector 31-33, average annual pay$48,627
- Sector 42, employment663
- Sector 42, average annual pay$58,658
- Sector 44-45, employment623
- Sector 44-45, average annual pay$27,389
- Sector 72, employment316
- Sector 72, average annual pay$18,573
- Sector 23, employment155
- Sector 56, employment148
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 1,667 | 83 | $48,627 |
| Sector 42 | 663 | 54 | $58,658 |
| Sector 44-45 | 623 | 74 | $27,389 |
| Sector 72 | 316 | 26 | $18,573 |
| Sector 23 | 155 | 44 | $45,974 |
| Sector 56 | 148 | 25 | $26,146 |
| Sector 21 | 115 | 7 | $57,084 |
| Sector 81 | 89 | 30 | $35,669 |
The largest sector is the biggest private employer group at 1,667 jobs, 27.4 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.
Elbert County
What businesses operate in Elbert County
- Establishments, all industries448
- Employment at those establishments4,908
- Annual payroll$200.0 m
- Establishments per 1,000 residents22.6
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.
Elbert County
What is being built in Elbert County
- Housing units authorised by permit, 2024218
- Declared construction value permitted$18.9 m
- Single family units authorised208
- Multifamily units authorised10
- Multifamily share of units4.6 percent
- Average declared value per unit$86,785
- Units authorised per 1,000 households26.0
Multifamily is 4.6 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Elbert County
How much SBA lending happens in Elbert County
- 7(a) approvals recorded24
- 7(a) gross approval dollars$26.2 m
- Average 7(a) approval$1,090,488
- Median 7(a) approval$980,000
- 10th percentile approval$75,000
- 90th percentile approval$2,130,000
- Largest single approval$4,658,000
- Jobs reported supported, 7(a)173
- Jobs per approval7.2
- Distinct 7(a) lenders active17
- Distinct industries receiving approvals17
- Median 7(a) term240 months
- Share of loans on real estate terms, 240 months or longer58.3 percent
- Loans on real estate terms14
- Loans on working capital terms, 120 months or shorter9
- Franchise loans4
- Franchise share of approvals16.7 percent
- Leading industry by approval countBroilers and Other Meat Type Chicken Production (3)
- Most active lenderMetro City Bank (5)
- 504 approvals recorded2
- 504 gross approval dollars$902,000
- Average 504 approval$451,000
- Median 504 approval$588,000
- Distinct CDCs active1
- 504 jobs per approval8.5
- 504 jobs per million dollars approved18.8
- Most active CDCFlorida Business Development Corporation (2)
- 7(a) share of SBA approvals92.3 percent
- Combined SBA approval dollars$27.1 m
The average approval of $1,090,488 sits close to the median of $980,000, so lending here is fairly evenly sized rather than driven by a few large deals. 58.3 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. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Elbert County
Do SBA loans in Elbert County get paid back
- Loans with a final outcome recorded4
- Paid in full4
- Charged off0
- Status: Cancelled5
- Status: Exempt from disclosure15
- Status: Paid in full4
Too few loans have reached a final outcome to publish a charge off rate. only 4 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.
Elbert County
Which parts of Elbert County get the lending
- Places in the county with recorded lending3
- ELBERTON, approvals19
- Dewy Rose, approvals4
- BOWMAN, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| ELBERTON | 19 | $16,726,700 |
| Dewy Rose | 4 | $7,230,000 |
| BOWMAN | 1 | $2,215,000 |
ELBERTON accounts for 19 approvals against 4 in Dewy Rose. 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.
Elbert County
How big is Elbert County
- Land area351 sq mi
- Rank by land area among Georgia counties75th of 159
- Width, east to west30.8 mi
- Height, north to south23.3 mi
- Geographies sharing a boundary5
- Residents per square mile of land57
- Establishments per square mile1.28
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.
Elbert County
What hazards affect Elbert County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book3
- Of those, participating in the NFIP2
- NFIP participation rate66.7 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 2, a predicted average indoor radon screening level from 2 to 4 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.
- 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 Elbert 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 Elbert County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population19,849
- Households8,376
- Average household size2.37
- Median household income$58,450
- Median age43.2
Common questions
Elbert County questions, answered from the record.
How many people live in Elbert County, Georgia?
19,849, in 8,376 households, ranking 91st of 159 Georgia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Elbert County growing?
The population has grown 2.64 percent since the 2020 census base. In 2024 there were 249 births against 300 deaths, with net migration of 203. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Elbert County?
$58,450. The median owner-occupied home is valued at $142,000, which is 2.4 times income, and median gross rent is $844 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Elbert County?
448 establishments, employing 4,908 people with an annual payroll of $200.0 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 Elbert County?
Average annual pay is $45,565, or $876 a week, across 6,086 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Elbert County?
24 7(a) approvals totalling $26.2 m since FY2020, across 17 lenders, with a median approval of $980,000, plus 2 504 approvals worth $902,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Elbert County?
218 housing units were authorised by permit in 2024, with a declared construction value of $18.9 m. Multifamily was 4.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Elbert County?
Zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Elbert County come from?
The largest single origin is Elbert County Non-migrants, with 6,614 households. Arriving households report an average income of $43,804 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 Elbert 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 Elbert 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.