Habersham County, Georgia: commercial real estate data.
Habersham County, Georgia has a population of 47,793 across 277 square miles, up 7.9 percent since the 2020 census base. County output reached $2.11 bn in 2024, 951 establishments operate here, and the SBA record carries 34 7(a) approvals worth $42.7 m.
127 sourced county values · tier FULL · 12 sections
Habersham County
How many people live in Habersham County
- Population47,793
- Households16,753
- Average household size2.85
- Median household income$67,309
- Median age39.4
- Median gross rent$974 per month
- Median owner-occupied home value$238,300
- Home value to household income3.5 times
- Annual rent as a share of median income17.4 percent
- Adults 25 and over with a bachelor degree or higher24.6 percent
- Adults 25 and over with a graduate degree10.3 percent
- Adults 25 and over32,671
- Population under 1810,428
- Share under 1821.8 percent
- Population 65 and over9,246
- Share 65 and over19.3 percent
- Working age population, 18 to 6428,119
- Civilian labor force21,570
- Unemployment rate2.7 percent
- Labor force participation, adults 18 and over57.7 percent
- Rank by population among Georgia counties44th of 159
- Rank by population among US county-equivalents1045th
Habersham County is the 44th largest of 159 Georgia counties by population. A median home costs 3.5 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 21.8 percent against 19.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Habersham County
Is Habersham County growing
- Population change since the 2020 census base7.90 percent
- Census 2020 base population46,029
- Births, 2024519
- Deaths, 2024572
- Natural change, 2024-53
- Net domestic migration, 2024677
- Net international migration, 2024188
- Total net migration, 2024865
- Cumulative net domestic migration, 2021 to 20243,187
- Rank by growth among US county-equivalents244th
The county has grown 7.90 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.
Habersham County
Where people moving to Habersham County come from
- Tax returns filed by households arriving1,431
- People arriving, from those returns2,742
- Adjusted gross income arriving$86.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$60,468
- Largest single originHabersham County Non-migrants (15,466 households)
- Largest single destination (15,466 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Habersham County Non-migrants | 15,466 | 33,079 | $1.05 bn |
| Other flows - Different State | 369 | 662 | $22.8 m |
| Other flows - Same State | 263 | 507 | $18.1 m |
| Other flows - South | 250 | 450 | $14.8 m |
| Hall County | 247 | 485 | $15.3 m |
| White County | 127 | 273 | $5.8 m |
| Banks County | 88 | 177 | $4.0 m |
| Gwinnett County | 87 | 164 | $6.9 m |
The largest single source of arrivals is Habersham 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.
Habersham County
What the Habersham County economy runs on
- County GDP, 2024$2.11 bn
- County GDP, 2023$1.90 bn
- GDP change, 2023 to 202411.0 percent
- GDP change over five years38.5 percent
- Rank by GDP among Georgia counties52nd
- Rank by GDP among US county-equivalents1232nd
- GDP per resident$44,066
Output grew 11.0 percent in the latest year and 38.5 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.
Habersham County
Who employs people in Habersham County
- Covered employment, annual average15,000
- Establishments reporting1,149
- Average annual pay$48,929
- Average weekly wage$941
- Sector 31-33, employment3,586
- Sector 31-33, average annual pay$62,087
- Sector 44-45, employment2,114
- Sector 44-45, average annual pay$30,855
- Sector 72, employment1,776
- Sector 72, average annual pay$21,596
- Sector 62, employment1,187
- Sector 62, average annual pay$61,017
- Sector 56, employment770
- Sector 61, employment559
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 3,586 | 65 | $62,087 |
| Sector 44-45 | 2,114 | 186 | $30,855 |
| Sector 72 | 1,776 | 101 | $21,596 |
| Sector 62 | 1,187 | 105 | $61,017 |
| Sector 56 | 770 | 74 | $46,106 |
| Sector 61 | 559 | 12 | $48,053 |
| Sector 42 | 410 | 43 | $57,722 |
| Sector 23 | 409 | 108 | $53,685 |
The largest sector is the biggest private employer group at 3,586 jobs, 23.9 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.
Habersham County
What businesses operate in Habersham County
- Establishments, all industries951
- Employment at those establishments11,474
- Annual payroll$527.5 m
- Establishments per 1,000 residents19.9
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.
Habersham County
What is being built in Habersham County
- Housing units authorised by permit, 2024241
- Declared construction value permitted$85.2 m
- Single family units authorised232
- Multifamily units authorised9
- Multifamily share of units3.7 percent
- Average declared value per unit$353,477
- Units authorised per 1,000 households14.4
Multifamily is 3.7 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Habersham County
How much SBA lending happens in Habersham County
- 7(a) approvals recorded34
- 7(a) gross approval dollars$42.7 m
- Average 7(a) approval$1,254,718
- Median 7(a) approval$545,000
- 10th percentile approval$100,000
- 90th percentile approval$5,000,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)895
- Jobs per approval26.3
- Distinct 7(a) lenders active22
- Distinct industries receiving approvals21
- Median 7(a) term126 months
- Share of loans on real estate terms, 240 months or longer41.2 percent
- Loans on real estate terms14
- Loans on working capital terms, 120 months or shorter16
- Franchise loans9
- Franchise share of approvals26.5 percent
- Leading industry by approval countGasoline Stations with Convenience Stores (6)
- Most active lenderVallant Bank (4)
- 504 approvals recorded18
- 504 gross approval dollars$18.1 m
- Average 504 approval$1,006,333
- Median 504 approval$789,000
- Distinct CDCs active7
- 504 jobs per approval7.4
- 504 jobs per million dollars approved7.4
- Most active CDCSmall Business Access Partners, Inc. (8)
- 7(a) share of SBA approvals65.4 percent
- Combined SBA approval dollars$60.8 m
The average approval of $1,254,718 sits well above the median of $545,000, 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. 41.2 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.
Habersham County
Do SBA loans in Habersham County get paid back
- Loans with a final outcome recorded4
- Paid in full3
- Charged off1
- Status: Exempt from disclosure25
- Status: Cancelled2
- Status: Charged off1
- Status: Paid in full3
- Status: Committed, not yet disbursed3
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.
Habersham County
Which parts of Habersham County get the lending
- Places in the county with recorded lending7
- CORNELIA, approvals11
- CLARKESVILLE, approvals7
- Demorest, approvals6
- ALTO, approvals6
- JEFFERSON, approvals2
- Mount Airy, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| CORNELIA | 11 | $15,928,000 |
| CLARKESVILLE | 7 | $3,434,400 |
| Demorest | 6 | $3,326,000 |
| ALTO | 6 | $17,580,000 |
| JEFFERSON | 2 | $1,575,000 |
| Mount Airy | 1 | $331,000 |
| BALDWIN | 1 | $486,000 |
CORNELIA accounts for 11 approvals against 7 in CLARKESVILLE. 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.
Habersham County
How big is Habersham County
- Land area277 sq mi
- Rank by land area among Georgia counties109th of 159
- Width, east to west19.6 mi
- Height, north to south27 mi
- Geographies sharing a boundary6
- Residents per square mile of land173
- Establishments per square mile3.43
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.
Habersham County
What hazards affect Habersham County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book8
- Of those, participating in the NFIP7
- NFIP participation rate87.5 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 Habersham 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 Habersham County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population47,793
- Households16,753
- Average household size2.85
- Median household income$67,309
- Median age39.4
Common questions
Habersham County questions, answered from the record.
How many people live in Habersham County, Georgia?
47,793, in 16,753 households, ranking 44th of 159 Georgia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Habersham County growing?
The population has grown 7.90 percent since the 2020 census base. In 2024 there were 519 births against 572 deaths, with net migration of 865. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Habersham County?
$67,309. The median owner-occupied home is valued at $238,300, which is 3.5 times income, and median gross rent is $974 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Habersham County?
951 establishments, employing 11,474 people with an annual payroll of $527.5 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 Habersham County?
Average annual pay is $48,929, or $941 a week, across 15,000 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Habersham County?
34 7(a) approvals totalling $42.7 m since FY2020, across 22 lenders, with a median approval of $545,000, plus 18 504 approvals worth $18.1 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Habersham County?
241 housing units were authorised by permit in 2024, with a declared construction value of $85.2 m. Multifamily was 3.7 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Habersham 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 Habersham County come from?
The largest single origin is Habersham County Non-migrants, with 15,466 households. Arriving households report an average income of $60,468 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 Habersham 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 Habersham 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.