Irwin County, Georgia: commercial real estate data.
Irwin County, Georgia has a population of 9,285 across 354 square miles, down 5.3 percent since the 2020 census base. County output reached $293.1 m in 2024, 113 establishments operate here, and the SBA record carries 11 7(a) approvals worth $22.3 m.
117 sourced county values · tier FULL · 12 sections
Irwin County
How many people live in Irwin County
- Population9,285
- Households3,589
- Average household size2.59
- Median household income$51,384
- Median age40.3
- Median gross rent$865 per month
- Median owner-occupied home value$105,600
- Home value to household income2.1 times
- Annual rent as a share of median income20.2 percent
- Adults 25 and over with a bachelor degree or higher15.2 percent
- Adults 25 and over with a graduate degree6.7 percent
- Adults 25 and over6,240
- Population under 182,107
- Share under 1822.7 percent
- Population 65 and over1,681
- Share 65 and over18.1 percent
- Working age population, 18 to 645,497
- Civilian labor force4,194
- Unemployment rate4.0 percent
- Labor force participation, adults 18 and over58.4 percent
- Rank by population among Georgia counties127th of 159
- Rank by population among US county-equivalents2542nd
Irwin County is the 127th largest of 159 Georgia counties by population. A median home costs 2.1 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 22.7 percent against 18.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Irwin County
Is Irwin County growing
- Population change since the 2020 census base-5.29 percent
- Census 2020 base population9,666
- Births, 202499
- Deaths, 2024139
- Natural change, 2024-40
- Net domestic migration, 202472
- Net international migration, 20241
- Total net migration, 202473
- Cumulative net domestic migration, 2021 to 2024-306
- Rank by growth among US county-equivalents3000th
The county has lost 5.29 percent of its population 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.
Irwin County
Where people moving to Irwin County come from
- Tax returns filed by households arriving246
- People arriving, from those returns528
- Adjusted gross income arriving$9.2 m
- Net adjusted gross income movement$0
- Average income of an arriving household$37,589
- Largest single originIrwin County Non-migrants (2,810 households)
- Largest single destination (2,810 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Irwin County Non-migrants | 2,810 | 5,997 | $221.8 m |
| Ben Hill County | 85 | 194 | $2.6 m |
| Other flows - Same State | 81 | 174 | $3.5 m |
| Tift County | 45 | 97 | $1.8 m |
| Other flows - Different State | 35 | 63 | $1.4 m |
| Other flows - South | 35 | 63 | $1.4 m |
The largest single source of arrivals is Irwin 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.
Irwin County
What the Irwin County economy runs on
- County GDP, 2024$293.1 m
- County GDP, 2023$281.8 m
- GDP change, 2023 to 20244.0 percent
- GDP change over five years32.7 percent
- Rank by GDP among Georgia counties132nd
- Rank by GDP among US county-equivalents2711th
- GDP per resident$31,571
Output grew 4.0 percent in the latest year and 32.7 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.
Irwin County
Who employs people in Irwin County
- Covered employment, annual average2,044
- Establishments reporting165
- Average annual pay$45,550
- Average weekly wage$876
- Sector 44-45, employment187
- Sector 44-45, average annual pay$28,098
- Sector 42, employment70
- Sector 42, average annual pay$59,991
- Sector 81, employment26
- Sector 81, average annual pay$48,578
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 187 | 29 | $28,098 |
| Sector 42 | 70 | 8 | $59,991 |
| Sector 81 | 26 | 9 | $48,578 |
The largest sector is the biggest private employer group at 187 jobs, 9.1 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.
Irwin County
What businesses operate in Irwin County
- Establishments, all industries113
- Employment at those establishments1,542
- Annual payroll$71.6 m
- Establishments per 1,000 residents12.2
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.
Irwin County
What is being built in Irwin County
- Housing units authorised by permit, 202432
- Declared construction value permitted$2.8 m
- Single family units authorised32
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$87,117
- Units authorised per 1,000 households8.9
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Irwin County
How much SBA lending happens in Irwin County
- 7(a) approvals recorded11
- 7(a) gross approval dollars$22.3 m
- Average 7(a) approval$2,029,700
- Median 7(a) approval$1,157,000
- 10th percentile approval$230,800
- 90th percentile approval$5,000,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)265
- Jobs per approval24.1
- Distinct 7(a) lenders active6
- Distinct industries receiving approvals8
- Median 7(a) term144 months
- Share of loans on real estate terms, 240 months or longer45.5 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter5
- Franchise loans2
- Franchise share of approvals18.2 percent
- Leading industry by approval countOther Farm Product Raw Material Merchant Wholesalers (3)
- Most active lenderRegions Bank (4)
- 504 approvals recorded2
- 504 gross approval dollars$2.7 m
- Average 504 approval$1,366,500
- Median 504 approval$2,033,000
- Distinct CDCs active2
- 504 jobs per approval9.0
- 504 jobs per million dollars approved6.6
- Most active CDCFlorida Business Development Corporation (1)
- 7(a) share of SBA approvals84.6 percent
- Combined SBA approval dollars$25.1 m
The average approval of $2,029,700 sits well above the median of $1,157,000, 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. 45.5 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.
Irwin County
Do SBA loans in Irwin County get paid back
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Paid in full3
- Status: Exempt from disclosure6
- Status: Cancelled2
Too few loans have reached a final outcome to publish a charge off rate. only 3 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.
Irwin County
Which parts of Irwin County get the lending
- Places in the county with recorded lending2
- OCILLA, approvals10
- Fitzgerald, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| OCILLA | 10 | $22,176,700 |
| Fitzgerald | 1 | $150,000 |
OCILLA accounts for 10 approvals against 1 in Fitzgerald. 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.
Irwin County
How big is Irwin County
- Land area354 sq mi
- Rank by land area among Georgia counties74th of 159
- Width, east to west29.6 mi
- Height, north to south19.7 mi
- Geographies sharing a boundary5
- Residents per square mile of land26
- Establishments per square mile0.32
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.
Irwin County
What hazards affect Irwin County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book2
- Of those, participating in the NFIP2
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
The EPA places the county in radon zone 3, a predicted average indoor radon screening level less than 2 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 Irwin 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 Irwin County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population9,285
- Households3,589
- Average household size2.59
- Median household income$51,384
- Median age40.3
Common questions
Irwin County questions, answered from the record.
How many people live in Irwin County, Georgia?
9,285, in 3,589 households, ranking 127th of 159 Georgia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Irwin County growing?
The population has fallen 5.29 percent since the 2020 census base. In 2024 there were 99 births against 139 deaths, with net migration of 73. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Irwin County?
$51,384. The median owner-occupied home is valued at $105,600, which is 2.1 times income, and median gross rent is $865 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Irwin County?
113 establishments, employing 1,542 people with an annual payroll of $71.6 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 Irwin County?
Average annual pay is $45,550, or $876 a week, across 2,044 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Irwin County?
11 7(a) approvals totalling $22.3 m since FY2020, across 6 lenders, with a median approval of $1,157,000, plus 2 504 approvals worth $2.7 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Irwin County?
32 housing units were authorised by permit in 2024, with a declared construction value of $2.8 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Irwin 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 Irwin County come from?
The largest single origin is Irwin County Non-migrants, with 2,810 households. Arriving households report an average income of $37,589 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 Irwin 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 Irwin 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.