Oconee County, Georgia: commercial real estate data.
Oconee County, Georgia has a population of 43,551 across 184 square miles, up 7.0 percent since the 2020 census base. County output reached $2.56 bn in 2024, 1,458 establishments operate here, and the SBA record carries 51 7(a) approvals worth $27.0 m.
126 sourced county values · tier FULL · 12 sections
Oconee County
How many people live in Oconee County
- Population43,551
- Households14,994
- Average household size2.90
- Median household income$121,217
- Median age41.1
- Median gross rent$1,462 per month
- Median owner-occupied home value$461,600
- Home value to household income3.8 times
- Annual rent as a share of median income14.5 percent
- Adults 25 and over with a bachelor degree or higher55.9 percent
- Adults 25 and over with a graduate degree28.3 percent
- Adults 25 and over28,501
- Population under 1811,299
- Share under 1825.9 percent
- Population 65 and over7,306
- Share 65 and over16.8 percent
- Working age population, 18 to 6424,946
- Civilian labor force22,066
- Unemployment rate3.0 percent
- Labor force participation, adults 18 and over68.4 percent
- Rank by population among Georgia counties49th of 159
- Rank by population among US county-equivalents1136th
Oconee County is the 49th largest of 159 Georgia counties by population. A median home costs 3.8 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 25.9 percent against 16.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Oconee County
Is Oconee County growing
- Population change since the 2020 census base7.05 percent
- Census 2020 base population41,804
- Births, 2024357
- Deaths, 2024356
- Natural change, 20241
- Net domestic migration, 2024392
- Net international migration, 2024110
- Total net migration, 2024502
- Cumulative net domestic migration, 2021 to 20242,472
- Rank by growth among US county-equivalents307th
The county has grown 7.05 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Oconee County
Where people moving to Oconee County come from
- Tax returns filed by households arriving1,452
- People arriving, from those returns3,125
- Adjusted gross income arriving$215.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$148,093
- Largest single originOconee County Non-migrants (14,149 households)
- Largest single destination (14,149 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Oconee County Non-migrants | 14,149 | 34,886 | $2.28 bn |
| Clarke County | 448 | 918 | $48.3 m |
| Other flows - Different State | 335 | 714 | $48.0 m |
| Other flows - Same State | 205 | 416 | $51.2 m |
| Other flows - South | 205 | 445 | $33.1 m |
| Gwinnett County | 70 | 222 | $17.6 m |
| Barrow County | 67 | 151 | $5.8 m |
| Walton County | 67 | 168 | $11.0 m |
The largest single source of arrivals is Oconee 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.
Oconee County
What the Oconee County economy runs on
- County GDP, 2024$2.56 bn
- County GDP, 2023$2.30 bn
- GDP change, 2023 to 202411.5 percent
- GDP change over five years53.8 percent
- Rank by GDP among Georgia counties45th
- Rank by GDP among US county-equivalents1090th
- GDP per resident$58,884
Output grew 11.5 percent in the latest year and 53.8 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.
Oconee County
Who employs people in Oconee County
- Covered employment, annual average16,112
- Establishments reporting1,615
- Average annual pay$51,898
- Average weekly wage$998
- Sector 44-45, employment2,645
- Sector 44-45, average annual pay$38,586
- Sector 62, employment2,316
- Sector 62, average annual pay$53,355
- Sector 72, employment1,922
- Sector 72, average annual pay$20,022
- Sector 54, employment992
- Sector 54, average annual pay$79,465
- Sector 56, employment937
- Sector 23, employment896
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 2,645 | 121 | $38,586 |
| Sector 62 | 2,316 | 224 | $53,355 |
| Sector 72 | 1,922 | 94 | $20,022 |
| Sector 54 | 992 | 230 | $79,465 |
| Sector 56 | 937 | 114 | $57,983 |
| Sector 23 | 896 | 158 | $70,502 |
| Sector 61 | 790 | 31 | $36,061 |
| Sector 31-33 | 756 | 43 | $61,253 |
The largest sector is the biggest private employer group at 2,645 jobs, 16.4 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.
Oconee County
What businesses operate in Oconee County
- Establishments, all industries1,458
- Employment at those establishments16,843
- Annual payroll$784.2 m
- Establishments per 1,000 residents33.5
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.
Oconee County
What is being built in Oconee County
- Housing units authorised by permit, 2024334
- Declared construction value permitted$173.6 m
- Single family units authorised334
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$519,748
- Units authorised per 1,000 households22.3
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Oconee County
How much SBA lending happens in Oconee County
- 7(a) approvals recorded51
- 7(a) gross approval dollars$27.0 m
- Average 7(a) approval$529,951
- Median 7(a) approval$350,000
- 10th percentile approval$80,000
- 90th percentile approval$1,135,000
- Largest single approval$3,557,000
- Jobs reported supported, 7(a)482
- Jobs per approval9.5
- Distinct 7(a) lenders active24
- Distinct industries receiving approvals35
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer21.6 percent
- Loans on real estate terms11
- Loans on working capital terms, 120 months or shorter35
- Franchise loans18
- Franchise share of approvals35.3 percent
- Leading industry by approval countFitness and Recreational Sports Centers (7)
- Most active lenderOconee State Bank (6)
- 504 approvals recorded18
- 504 gross approval dollars$16.7 m
- Average 504 approval$927,333
- Median 504 approval$492,000
- Distinct CDCs active3
- 504 jobs per approval6.5
- 504 jobs per million dollars approved7.0
- Most active CDCCSRA Local Development Corporation (11)
- 7(a) share of SBA approvals73.9 percent
- Combined SBA approval dollars$43.7 m
The average approval of $529,951 sits well above the median of $350,000, 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 21.6 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.
Oconee County
Do SBA loans in Oconee County get paid back
- Loans with a final outcome recorded5
- Paid in full5
- Charged off0
- Status: Exempt from disclosure41
- Status: Paid in full5
- Status: Cancelled2
- Status: Committed, not yet disbursed3
Too few loans have reached a final outcome to publish a charge off rate. only 5 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.
Oconee County
Which parts of Oconee County get the lending
- Places in the county with recorded lending6
- Watkinsville, approvals27
- BOGART, approvals8
- ATHENS, approvals7
- Winder, approvals4
- BISHOP, approvals3
- STATHAM, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Watkinsville | 27 | $13,788,300 |
| BOGART | 8 | $4,305,700 |
| ATHENS | 7 | $5,289,400 |
| Winder | 4 | $3,191,300 |
| BISHOP | 3 | $287,800 |
| STATHAM | 2 | $165,000 |
Watkinsville accounts for 27 approvals against 8 in BOGART. 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.
Oconee County
How big is Oconee County
- Land area184 sq mi
- Rank by land area among Georgia counties146th of 159
- Width, east to west21.3 mi
- Height, north to south18.5 mi
- Geographies sharing a boundary6
- Residents per square mile of land237
- Establishments per square mile7.92
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.
Oconee County
What hazards affect Oconee 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 Oconee 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 Oconee County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population43,551
- Households14,994
- Average household size2.90
- Median household income$121,217
- Median age41.1
Common questions
Oconee County questions, answered from the record.
How many people live in Oconee County, Georgia?
43,551, in 14,994 households, ranking 49th of 159 Georgia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Oconee County growing?
The population has grown 7.05 percent since the 2020 census base. In 2024 there were 357 births against 356 deaths, with net migration of 502. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Oconee County?
$121,217. The median owner-occupied home is valued at $461,600, which is 3.8 times income, and median gross rent is $1,462 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Oconee County?
1,458 establishments, employing 16,843 people with an annual payroll of $784.2 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 Oconee County?
Average annual pay is $51,898, or $998 a week, across 16,112 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Oconee County?
51 7(a) approvals totalling $27.0 m since FY2020, across 24 lenders, with a median approval of $350,000, plus 18 504 approvals worth $16.7 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Oconee County?
334 housing units were authorised by permit in 2024, with a declared construction value of $173.6 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Oconee 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 Oconee County come from?
The largest single origin is Oconee County Non-migrants, with 14,149 households. Arriving households report an average income of $148,093 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 Oconee 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 Oconee 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.