Gilmer County, Georgia: commercial real estate data.
Gilmer County, Georgia has a population of 32,426 across 427 square miles, up 6.3 percent since the 2020 census base. County output reached $1.44 bn in 2024, 707 establishments operate here, and the SBA record carries 36 7(a) approvals worth $27.0 m.
123 sourced county values · tier FULL · 12 sections
Gilmer County
How many people live in Gilmer County
- Population32,426
- Households13,015
- Average household size2.49
- Median household income$74,499
- Median age50.0
- Median gross rent$998 per month
- Median owner-occupied home value$314,000
- Home value to household income4.2 times
- Annual rent as a share of median income16.1 percent
- Adults 25 and over with a bachelor degree or higher24.9 percent
- Adults 25 and over with a graduate degree9.0 percent
- Adults 25 and over24,384
- Population under 185,936
- Share under 1818.3 percent
- Population 65 and over8,766
- Share 65 and over27.0 percent
- Working age population, 18 to 6417,724
- Civilian labor force14,240
- Unemployment rate2.7 percent
- Labor force participation, adults 18 and over53.8 percent
- Rank by population among Georgia counties58th of 159
- Rank by population among US county-equivalents1411th
Gilmer County is the 58th largest of 159 Georgia counties by population. A median home costs 4.2 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 27.0 percent against 18.3 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.
Gilmer County
Is Gilmer County growing
- Population change since the 2020 census base6.33 percent
- Census 2020 base population31,342
- Births, 2024300
- Deaths, 2024424
- Natural change, 2024-124
- Net domestic migration, 2024562
- Net international migration, 202421
- Total net migration, 2024583
- Cumulative net domestic migration, 2021 to 20242,419
- Rank by growth among US county-equivalents367th
The county has grown 6.33 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.
Gilmer County
Where people moving to Gilmer County come from
- Tax returns filed by households arriving1,050
- People arriving, from those returns1,880
- Adjusted gross income arriving$93.2 m
- Net adjusted gross income movement$0
- Average income of an arriving household$88,722
- Largest single originGilmer County Non-migrants (10,887 households)
- Largest single destination (10,887 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Gilmer County Non-migrants | 10,887 | 22,473 | $761.0 m |
| Other flows - Different State | 397 | 697 | $36.4 m |
| Other flows - South | 297 | 546 | $28.5 m |
| Other flows - Same State | 231 | 408 | $17.2 m |
| Cherokee County | 103 | 194 | $9.2 m |
| Pickens County | 84 | 175 | $4.8 m |
| Cobb County | 77 | 120 | $6.1 m |
| Fannin County | 47 | 89 | $4.1 m |
The largest single source of arrivals is Gilmer 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.
Gilmer County
What the Gilmer County economy runs on
- County GDP, 2024$1.44 bn
- County GDP, 2023$1.28 bn
- GDP change, 2023 to 202412.6 percent
- GDP change over five years71.3 percent
- Rank by GDP among Georgia counties66th
- Rank by GDP among US county-equivalents1552nd
- GDP per resident$44,390
Output grew 12.6 percent in the latest year and 71.3 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.
Gilmer County
Who employs people in Gilmer County
- Covered employment, annual average8,067
- Establishments reporting825
- Average annual pay$44,051
- Average weekly wage$847
- Sector 31-33, employment1,505
- Sector 31-33, average annual pay$45,503
- Sector 44-45, employment1,421
- Sector 44-45, average annual pay$32,408
- Sector 72, employment1,247
- Sector 72, average annual pay$26,115
- Sector 62, employment529
- Sector 62, average annual pay$51,544
- Sector 23, employment400
- Sector 81, employment236
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 1,505 | 52 | $45,503 |
| Sector 44-45 | 1,421 | 114 | $32,408 |
| Sector 72 | 1,247 | 92 | $26,115 |
| Sector 62 | 529 | 72 | $51,544 |
| Sector 23 | 400 | 102 | $71,220 |
| Sector 81 | 236 | 45 | $35,647 |
| Sector 54 | 235 | 69 | $58,218 |
| Sector 51 | 189 | 9 | $75,536 |
The largest sector is the biggest private employer group at 1,505 jobs, 18.7 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.
Gilmer County
What businesses operate in Gilmer County
- Establishments, all industries707
- Employment at those establishments6,742
- Annual payroll$271.0 m
- Establishments per 1,000 residents21.8
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.
Gilmer County
What is being built in Gilmer County
- Housing units authorised by permit, 202498
- Declared construction value permitted$13.2 m
- Single family units authorised24
- Multifamily units authorised74
- Multifamily share of units75.5 percent
- Average declared value per unit$134,330
- Units authorised per 1,000 households7.5
Multifamily is 75.5 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Gilmer County
How much SBA lending happens in Gilmer County
- 7(a) approvals recorded36
- 7(a) gross approval dollars$27.0 m
- Average 7(a) approval$750,811
- Median 7(a) approval$603,000
- 10th percentile approval$50,000
- 90th percentile approval$1,893,000
- Largest single approval$3,750,000
- Jobs reported supported, 7(a)182
- Jobs per approval5.1
- Distinct 7(a) lenders active20
- Distinct industries receiving approvals23
- Median 7(a) term186 months
- Share of loans on real estate terms, 240 months or longer47.2 percent
- Loans on real estate terms17
- Loans on working capital terms, 120 months or shorter14
- Franchise loans5
- Franchise share of approvals13.9 percent
- Leading industry by approval countBroilers and Other Meat Type Chicken Production (7)
- Most active lenderMetro City Bank (4)
- 504 approvals recorded7
- 504 gross approval dollars$7.0 m
- Average 504 approval$995,714
- Median 504 approval$747,000
- Distinct CDCs active2
- 504 jobs per approval9.1
- 504 jobs per million dollars approved9.2
- Most active CDCCapital Partners Certified Development Company (5)
- 7(a) share of SBA approvals83.7 percent
- Combined SBA approval dollars$34.0 m
The average approval of $750,811 sits close to the median of $603,000, so lending here is fairly evenly sized rather than driven by a few large deals. 47.2 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.
Gilmer County
Do SBA loans in Gilmer County get paid back
- Loans with a final outcome recorded9
- Paid in full9
- Charged off0
- Status: Paid in full9
- Status: Exempt from disclosure24
- Status: Cancelled1
- Status: Committed, not yet disbursed2
Too few loans have reached a final outcome to publish a charge off rate. only 9 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.
Gilmer County
Which parts of Gilmer County get the lending
- Places in the county with recorded lending3
- Ellijay, approvals29
- East Ellijay, approvals5
- CRANDALL, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Ellijay | 29 | $25,432,200 |
| East Ellijay | 5 | $1,424,000 |
| CRANDALL | 2 | $173,000 |
Ellijay accounts for 29 approvals against 5 in East Ellijay. 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.
Gilmer County
How big is Gilmer County
- Land area427 sq mi
- Rank by land area among Georgia counties48th of 159
- Width, east to west26.2 mi
- Height, north to south21.2 mi
- Geographies sharing a boundary5
- Residents per square mile of land76
- Establishments per square mile1.66
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.
Gilmer County
What hazards affect Gilmer 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 NFIP3
- 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 Gilmer 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 Gilmer County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population32,426
- Households13,015
- Average household size2.49
- Median household income$74,499
- Median age50.0
Common questions
Gilmer County questions, answered from the record.
How many people live in Gilmer County, Georgia?
32,426, in 13,015 households, ranking 58th of 159 Georgia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Gilmer County growing?
The population has grown 6.33 percent since the 2020 census base. In 2024 there were 300 births against 424 deaths, with net migration of 583. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Gilmer County?
$74,499. The median owner-occupied home is valued at $314,000, which is 4.2 times income, and median gross rent is $998 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Gilmer County?
707 establishments, employing 6,742 people with an annual payroll of $271.0 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 Gilmer County?
Average annual pay is $44,051, or $847 a week, across 8,067 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Gilmer County?
36 7(a) approvals totalling $27.0 m since FY2020, across 20 lenders, with a median approval of $603,000, plus 7 504 approvals worth $7.0 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Gilmer County?
98 housing units were authorised by permit in 2024, with a declared construction value of $13.2 m. Multifamily was 75.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Gilmer 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 Gilmer County come from?
The largest single origin is Gilmer County Non-migrants, with 10,887 households. Arriving households report an average income of $88,722 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 Gilmer 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 Gilmer 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.