Fannin County, Georgia: commercial real estate data.
Fannin County, Georgia has a population of 25,742 across 387 square miles, up 2.1 percent since the 2020 census base. County output reached $1.30 bn in 2024, 740 establishments operate here, and the SBA record carries 28 7(a) approvals worth $18.1 m.
126 sourced county values · tier FULL · 12 sections
Fannin County
How many people live in Fannin County
- Population25,742
- Households11,890
- Average household size2.17
- Median household income$57,073
- Median age54.0
- Median gross rent$900 per month
- Median owner-occupied home value$306,600
- Home value to household income5.4 times
- Annual rent as a share of median income18.9 percent
- Adults 25 and over with a bachelor degree or higher24.2 percent
- Adults 25 and over with a graduate degree9.8 percent
- Adults 25 and over20,072
- Population under 183,989
- Share under 1815.5 percent
- Population 65 and over7,965
- Share 65 and over30.9 percent
- Working age population, 18 to 6413,788
- Civilian labor force11,250
- Unemployment rate3.7 percent
- Labor force participation, adults 18 and over51.7 percent
- Rank by population among Georgia counties76th of 159
- Rank by population among US county-equivalents1626th
Fannin County is the 76th largest of 159 Georgia counties by population. A median home costs 5.4 times median household income, which is a stretched ownership market and usually shows up as rental demand. Residents 65 and over outnumber those under 18, at 30.9 percent against 15.5 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Fannin County
Is Fannin County growing
- Population change since the 2020 census base2.11 percent
- Census 2020 base population25,320
- Births, 2024184
- Deaths, 2024462
- Natural change, 2024-278
- Net domestic migration, 2024222
- Net international migration, 2024-4
- Total net migration, 2024218
- Cumulative net domestic migration, 2021 to 20241,554
- Rank by growth among US county-equivalents1145th
The county has grown 2.11 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.
Fannin County
Where people moving to Fannin County come from
- Tax returns filed by households arriving875
- People arriving, from those returns1,572
- Adjusted gross income arriving$88.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$101,390
- Largest single originFannin County Non-migrants (9,105 households)
- Largest single destination (9,105 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Fannin County Non-migrants | 9,105 | 18,024 | $717.9 m |
| Other flows - Different State | 393 | 671 | $38.6 m |
| Other flows - South | 282 | 468 | $27.3 m |
| Other flows - Same State | 151 | 291 | $12.0 m |
| Gilmer County | 69 | 121 | $6.4 m |
| Union County | 58 | 117 | $2.3 m |
| Other flows - West | 53 | 103 | $4.4 m |
| Fulton County | 41 | 64 | $9.7 m |
The largest single source of arrivals is Fannin 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.
Fannin County
What the Fannin County economy runs on
- County GDP, 2024$1.30 bn
- County GDP, 2023$1.17 bn
- GDP change, 2023 to 202411.4 percent
- GDP change over five years62.8 percent
- Rank by GDP among Georgia counties72nd
- Rank by GDP among US county-equivalents1631st
- GDP per resident$50,442
Output grew 11.4 percent in the latest year and 62.8 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.
Fannin County
Who employs people in Fannin County
- Covered employment, annual average7,441
- Establishments reporting828
- Average annual pay$44,667
- Average weekly wage$859
- Sector 44-45, employment1,485
- Sector 44-45, average annual pay$34,377
- Sector 72, employment1,399
- Sector 72, average annual pay$30,582
- Sector 62, employment916
- Sector 62, average annual pay$51,712
- Sector 23, employment401
- Sector 23, average annual pay$78,909
- Sector 42, employment316
- Sector 56, employment277
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 1,485 | 138 | $34,377 |
| Sector 72 | 1,399 | 108 | $30,582 |
| Sector 62 | 916 | 71 | $51,712 |
| Sector 23 | 401 | 85 | $78,909 |
| Sector 42 | 316 | 23 | $57,060 |
| Sector 56 | 277 | 47 | $51,305 |
| Sector 81 | 254 | 47 | $47,342 |
| Sector 71 | 240 | 20 | $31,876 |
The largest sector is the biggest private employer group at 1,485 jobs, 20.0 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.
Fannin County
What businesses operate in Fannin County
- Establishments, all industries740
- Employment at those establishments6,371
- Annual payroll$251.4 m
- Establishments per 1,000 residents28.7
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.
Fannin County
What is being built in Fannin County
- Housing units authorised by permit, 2024390
- Declared construction value permitted$115.5 m
- Single family units authorised376
- Multifamily units authorised14
- Multifamily share of units3.6 percent
- Average declared value per unit$296,218
- Units authorised per 1,000 households32.8
Multifamily is 3.6 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Fannin County
How much SBA lending happens in Fannin County
- 7(a) approvals recorded28
- 7(a) gross approval dollars$18.1 m
- Average 7(a) approval$647,182
- Median 7(a) approval$435,000
- 10th percentile approval$50,000
- 90th percentile approval$1,639,500
- Largest single approval$1,980,000
- Jobs reported supported, 7(a)380
- Jobs per approval13.6
- Distinct 7(a) lenders active15
- Distinct industries receiving approvals22
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer17.9 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter21
- Franchise loans2
- Franchise share of approvals7.1 percent
- Leading industry by approval countFull-Service Restaurants (5)
- Most active lenderUnited Community Bank (6)
- 504 approvals recorded4
- 504 gross approval dollars$3.6 m
- Average 504 approval$897,750
- Median 504 approval$1,031,000
- Distinct CDCs active2
- 504 jobs per approval13.0
- 504 jobs per million dollars approved14.5
- Most active CDCFlorida Business Development Corporation (2)
- 7(a) share of SBA approvals87.5 percent
- Combined SBA approval dollars$21.7 m
The average approval of $647,182 sits well above the median of $435,000, 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 17.9 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.
Fannin County
Do SBA loans in Fannin County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Exempt from disclosure15
- Status: Paid in full1
- Status: Cancelled9
- Status: Committed, not yet disbursed3
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.
Fannin County
Which parts of Fannin County get the lending
- Places in the county with recorded lending6
- Blue Ridge, approvals18
- MORGANTON, approvals3
- MINERAL BLUFF, approvals2
- MC CAYSVILLE, approvals2
- Mccaysville, approvals2
- KINGSTON, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Blue Ridge | 18 | $11,261,100 |
| MORGANTON | 3 | $2,135,000 |
| MINERAL BLUFF | 2 | $1,789,500 |
| MC CAYSVILLE | 2 | $1,695,000 |
| Mccaysville | 2 | $284,500 |
| KINGSTON | 1 | $956,000 |
Blue Ridge accounts for 18 approvals against 3 in MORGANTON. 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.
Fannin County
How big is Fannin County
- Land area387 sq mi
- Rank by land area among Georgia counties62nd of 159
- Width, east to west30 mi
- Height, north to south26.6 mi
- Geographies sharing a boundary5
- Residents per square mile of land67
- Establishments per square mile1.91
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.
Fannin County
What hazards affect Fannin County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book4
- Of those, participating in the NFIP4
- NFIP participation rate100.0 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 Fannin 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 Fannin County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population25,742
- Households11,890
- Average household size2.17
- Median household income$57,073
- Median age54.0
Common questions
Fannin County questions, answered from the record.
How many people live in Fannin County, Georgia?
25,742, in 11,890 households, ranking 76th of 159 Georgia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Fannin County growing?
The population has grown 2.11 percent since the 2020 census base. In 2024 there were 184 births against 462 deaths, with net migration of 218. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Fannin County?
$57,073. The median owner-occupied home is valued at $306,600, which is 5.4 times income, and median gross rent is $900 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Fannin County?
740 establishments, employing 6,371 people with an annual payroll of $251.4 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 Fannin County?
Average annual pay is $44,667, or $859 a week, across 7,441 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Fannin County?
28 7(a) approvals totalling $18.1 m since FY2020, across 15 lenders, with a median approval of $435,000, plus 4 504 approvals worth $3.6 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Fannin County?
390 housing units were authorised by permit in 2024, with a declared construction value of $115.5 m. Multifamily was 3.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Fannin 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 Fannin County come from?
The largest single origin is Fannin County Non-migrants, with 9,105 households. Arriving households report an average income of $101,390 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 Fannin 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 Fannin 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.