Lumpkin County, Georgia: commercial real estate data.
Lumpkin County, Georgia has a population of 34,505 across 283 square miles, up 7.5 percent since the 2020 census base. County output reached $1.36 bn in 2024, 603 establishments operate here, and the SBA record carries 34 7(a) approvals worth $28.2 m.
123 sourced county values · tier FULL · 12 sections
Lumpkin County
How many people live in Lumpkin County
- Population34,505
- Households11,669
- Average household size2.96
- Median household income$77,448
- Median age36.5
- Median gross rent$1,142 per month
- Median owner-occupied home value$307,900
- Home value to household income4.0 times
- Annual rent as a share of median income17.7 percent
- Adults 25 and over with a bachelor degree or higher31.6 percent
- Adults 25 and over with a graduate degree12.7 percent
- Adults 25 and over21,534
- Population under 185,855
- Share under 1817.0 percent
- Population 65 and over6,419
- Share 65 and over18.6 percent
- Working age population, 18 to 6422,231
- Civilian labor force16,460
- Unemployment rate5.7 percent
- Labor force participation, adults 18 and over57.5 percent
- Rank by population among Georgia counties56th of 159
- Rank by population among US county-equivalents1352nd
Lumpkin County is the 56th largest of 159 Georgia counties by population. A median home costs 4.0 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 18.6 percent against 17.0 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.
Lumpkin County
Is Lumpkin County growing
- Population change since the 2020 census base7.55 percent
- Census 2020 base population33,487
- Births, 2024315
- Deaths, 2024372
- Natural change, 2024-57
- Net domestic migration, 2024750
- Net international migration, 202454
- Total net migration, 2024804
- Cumulative net domestic migration, 2021 to 20242,322
- Rank by growth among US county-equivalents271st
The county has grown 7.55 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.
Lumpkin County
Where people moving to Lumpkin County come from
- Tax returns filed by households arriving1,245
- People arriving, from those returns2,350
- Adjusted gross income arriving$85.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$68,824
- Largest single originLumpkin County Non-migrants (10,551 households)
- Largest single destination (10,551 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Lumpkin County Non-migrants | 10,551 | 21,656 | $789.1 m |
| Other flows - Different State | 298 | 557 | $23.2 m |
| Other flows - Same State | 229 | 407 | $15.0 m |
| Other flows - South | 185 | 332 | $14.5 m |
| Forsyth County | 176 | 353 | $12.2 m |
| Hall County | 171 | 318 | $8.7 m |
| Dawson County | 161 | 326 | $9.6 m |
| Gwinnett County | 63 | 115 | $3.6 m |
The largest single source of arrivals is Lumpkin 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.
Lumpkin County
What the Lumpkin County economy runs on
- County GDP, 2024$1.36 bn
- County GDP, 2023$1.25 bn
- GDP change, 2023 to 20249.1 percent
- GDP change over five years49.8 percent
- Rank by GDP among Georgia counties70th
- Rank by GDP among US county-equivalents1586th
- GDP per resident$39,514
Output grew 9.1 percent in the latest year and 49.8 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.
Lumpkin County
Who employs people in Lumpkin County
- Covered employment, annual average8,510
- Establishments reporting711
- Average annual pay$49,223
- Average weekly wage$947
- Sector 72, employment1,431
- Sector 72, average annual pay$23,320
- Sector 44-45, employment903
- Sector 44-45, average annual pay$35,240
- Sector 62, employment774
- Sector 62, average annual pay$59,785
- Sector 23, employment746
- Sector 23, average annual pay$71,118
- Sector 31-33, employment671
- Sector 81, employment197
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 72 | 1,431 | 80 | $23,320 |
| Sector 44-45 | 903 | 92 | $35,240 |
| Sector 62 | 774 | 73 | $59,785 |
| Sector 23 | 746 | 80 | $71,118 |
| Sector 31-33 | 671 | 36 | $56,551 |
| Sector 81 | 197 | 38 | $31,572 |
| Sector 42 | 137 | 15 | $76,797 |
| Sector 71 | 136 | 13 | $39,331 |
The largest sector is the biggest private employer group at 1,431 jobs, 16.8 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.
Lumpkin County
What businesses operate in Lumpkin County
- Establishments, all industries603
- Employment at those establishments6,011
- Annual payroll$252.7 m
- Establishments per 1,000 residents17.5
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.
Lumpkin County
What is being built in Lumpkin County
- Housing units authorised by permit, 2024277
- Declared construction value permitted$97.7 m
- Single family units authorised277
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$352,585
- Units authorised per 1,000 households23.7
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Lumpkin County
How much SBA lending happens in Lumpkin County
- 7(a) approvals recorded34
- 7(a) gross approval dollars$28.2 m
- Average 7(a) approval$830,288
- Median 7(a) approval$485,700
- 10th percentile approval$150,000
- 90th percentile approval$1,856,000
- Largest single approval$3,250,000
- Jobs reported supported, 7(a)402
- Jobs per approval11.8
- Distinct 7(a) lenders active27
- Distinct industries receiving approvals28
- Median 7(a) term126 months
- Share of loans on real estate terms, 240 months or longer35.3 percent
- Loans on real estate terms12
- Loans on working capital terms, 120 months or shorter15
- Franchise loans4
- Franchise share of approvals11.8 percent
- Leading industry by approval countDirect Mail Advertising (2)
- Most active lenderLoyal Trust Bank (3)
- 504 approvals recorded9
- 504 gross approval dollars$3.7 m
- Average 504 approval$409,556
- Median 504 approval$352,000
- Distinct CDCs active3
- 504 jobs per approval4.8
- 504 jobs per million dollars approved11.7
- Most active CDCSmall Business Access Partners, Inc. (6)
- 7(a) share of SBA approvals79.1 percent
- Combined SBA approval dollars$31.9 m
The average approval of $830,288 sits well above the median of $485,700, 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. 35.3 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.
Lumpkin County
Do SBA loans in Lumpkin County get paid back
- Loans with a final outcome recorded7
- Paid in full6
- Charged off1
- Status: Paid in full6
- Status: Exempt from disclosure25
- Status: Cancelled2
- Status: Charged off1
Too few loans have reached a final outcome to publish a charge off rate. only 7 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.
Lumpkin County
Which parts of Lumpkin County get the lending
- Places in the county with recorded lending3
- Dahlonega, approvals31
- Dawsonville, approvals2
- CLEVELAND, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Dahlonega | 31 | $27,605,300 |
| Dawsonville | 2 | $314,500 |
| CLEVELAND | 1 | $310,000 |
Dahlonega accounts for 31 approvals against 2 in Dawsonville. 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.
Lumpkin County
How big is Lumpkin County
- Land area283 sq mi
- Rank by land area among Georgia counties104th of 159
- Width, east to west19.8 mi
- Height, north to south22.3 mi
- Geographies sharing a boundary5
- Residents per square mile of land122
- Establishments per square mile2.13
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.
Lumpkin County
What hazards affect Lumpkin County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- 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 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 Lumpkin 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 Lumpkin County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population34,505
- Households11,669
- Average household size2.96
- Median household income$77,448
- Median age36.5
Common questions
Lumpkin County questions, answered from the record.
How many people live in Lumpkin County, Georgia?
34,505, in 11,669 households, ranking 56th of 159 Georgia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Lumpkin County growing?
The population has grown 7.55 percent since the 2020 census base. In 2024 there were 315 births against 372 deaths, with net migration of 804. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Lumpkin County?
$77,448. The median owner-occupied home is valued at $307,900, which is 4.0 times income, and median gross rent is $1,142 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Lumpkin County?
603 establishments, employing 6,011 people with an annual payroll of $252.7 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 Lumpkin County?
Average annual pay is $49,223, or $947 a week, across 8,510 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Lumpkin County?
34 7(a) approvals totalling $28.2 m since FY2020, across 27 lenders, with a median approval of $485,700, plus 9 504 approvals worth $3.7 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Lumpkin County?
277 housing units were authorised by permit in 2024, with a declared construction value of $97.7 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Lumpkin 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 Lumpkin County come from?
The largest single origin is Lumpkin County Non-migrants, with 10,551 households. Arriving households report an average income of $68,824 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 Lumpkin 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 Lumpkin 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.