Oglethorpe County, Georgia: commercial real estate data.
Oglethorpe County, Georgia has a population of 15,509 across 439 square miles, up 9.1 percent since the 2020 census base. County output reached $517.6 m in 2024, 182 establishments operate here, and the SBA record carries 9 7(a) approvals worth $4.3 m.
124 sourced county values · tier FULL · 12 sections
Oglethorpe County
How many people live in Oglethorpe County
- Population15,509
- Households5,411
- Average household size2.87
- Median household income$75,034
- Median age43.2
- Median gross rent$913 per month
- Median owner-occupied home value$231,600
- Home value to household income3.1 times
- Annual rent as a share of median income14.6 percent
- Adults 25 and over with a bachelor degree or higher25.3 percent
- Adults 25 and over with a graduate degree10.6 percent
- Adults 25 and over11,028
- Population under 183,332
- Share under 1821.5 percent
- Population 65 and over2,969
- Share 65 and over19.1 percent
- Working age population, 18 to 649,208
- Civilian labor force7,553
- Unemployment rate3.1 percent
- Labor force participation, adults 18 and over62.0 percent
- Rank by population among Georgia counties107th of 159
- Rank by population among US county-equivalents2125th
Oglethorpe County is the 107th largest of 159 Georgia counties by population. A median home costs 3.1 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 21.5 percent against 19.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Oglethorpe County
Is Oglethorpe County growing
- Population change since the 2020 census base9.10 percent
- Census 2020 base population14,823
- Births, 2024166
- Deaths, 2024158
- Natural change, 20248
- Net domestic migration, 2024360
- Net international migration, 202420
- Total net migration, 2024380
- Cumulative net domestic migration, 2021 to 20241,307
- Rank by growth among US county-equivalents179th
The county has grown 9.10 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.
Oglethorpe County
Where people moving to Oglethorpe County come from
- Tax returns filed by households arriving506
- People arriving, from those returns1,028
- Adjusted gross income arriving$28.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$56,130
- Largest single originOglethorpe County Non-migrants (5,227 households)
- Largest single destination (5,227 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Oglethorpe County Non-migrants | 5,227 | 10,876 | $315.0 m |
| Clarke County | 154 | 304 | $6.8 m |
| Other flows - Same State | 132 | 258 | $7.8 m |
| Other flows - Different State | 91 | 178 | $6.5 m |
| Madison County | 65 | 147 | $3.7 m |
| Other flows - South | 62 | 118 | $4.4 m |
| Other flows - West | 29 | 60 | $2.1 m |
| Oconee County | 24 | 54 | $1.5 m |
The largest single source of arrivals is Oglethorpe 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.
Oglethorpe County
What the Oglethorpe County economy runs on
- County GDP, 2024$517.6 m
- County GDP, 2023$443.9 m
- GDP change, 2023 to 202416.6 percent
- GDP change over five years99.4 percent
- Rank by GDP among Georgia counties111th
- Rank by GDP among US county-equivalents2385th
- GDP per resident$33,376
Output grew 16.6 percent in the latest year and 99.4 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.
Oglethorpe County
Who employs people in Oglethorpe County
- Covered employment, annual average2,094
- Establishments reporting249
- Average annual pay$45,812
- Average weekly wage$881
- Sector 23, employment308
- Sector 23, average annual pay$56,240
- Sector 31-33, employment206
- Sector 31-33, average annual pay$75,436
- Sector 44-45, employment138
- Sector 44-45, average annual pay$27,073
- Sector 11, employment127
- Sector 11, average annual pay$42,239
- Sector 21, employment56
- Sector 81, employment29
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 23 | 308 | 42 | $56,240 |
| Sector 31-33 | 206 | 14 | $75,436 |
| Sector 44-45 | 138 | 20 | $27,073 |
| Sector 11 | 127 | 21 | $42,239 |
| Sector 21 | 56 | 8 | $60,562 |
| Sector 81 | 29 | 10 | $31,496 |
The largest sector is the biggest private employer group at 308 jobs, 14.7 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.
Oglethorpe County
What businesses operate in Oglethorpe County
- Establishments, all industries182
- Employment at those establishments1,104
- Annual payroll$43.8 m
- Establishments per 1,000 residents11.7
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.
Oglethorpe County
What is being built in Oglethorpe County
- Housing units authorised by permit, 2024140
- Declared construction value permitted$27.5 m
- Single family units authorised140
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$196,183
- Units authorised per 1,000 households25.9
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Oglethorpe County
How much SBA lending happens in Oglethorpe County
- 7(a) approvals recorded9
- 7(a) gross approval dollars$4.3 m
- Average 7(a) approval$480,644
- Median 7(a) approval$225,000
- 10th percentile approval$100,000
- 90th percentile approval$1,408,000
- Largest single approval$1,408,000
- Jobs reported supported, 7(a)76
- Jobs per approval8.4
- Distinct 7(a) lenders active8
- Distinct industries receiving approvals8
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer33.3 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter6
- Franchise loans1
- Franchise share of approvals11.1 percent
- Leading industry by approval countAll Other Specialty Trade Contractors (2)
- Most active lenderFirst Internet Bank of Indiana (2)
- 504 approvals recorded2
- 504 gross approval dollars$3.3 m
- Average 504 approval$1,632,500
- Median 504 approval$2,902,000
- Distinct CDCs active1
- 504 jobs per approval71.5
- 504 jobs per million dollars approved43.8
- Most active CDCCSRA Local Development Corporation (2)
- 7(a) share of SBA approvals81.8 percent
- Combined SBA approval dollars$7.6 m
The average approval of $480,644 sits well above the median of $225,000, 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. 33.3 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.
Oglethorpe County
Do SBA loans in Oglethorpe County get paid back
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Paid in full3
- Status: Cancelled1
- Status: Exempt from disclosure4
- Status: Committed, not yet disbursed1
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.
Oglethorpe County
Which parts of Oglethorpe County get the lending
- Places in the county with recorded lending4
- CRAWFORD, approvals4
- ARNOLDSVILLE, approvals2
- Lexington, approvals2
- Colbert, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| CRAWFORD | 4 | $2,200,000 |
| ARNOLDSVILLE | 2 | $467,800 |
| Lexington | 2 | $250,000 |
| Colbert | 1 | $1,408,000 |
CRAWFORD accounts for 4 approvals against 2 in ARNOLDSVILLE. 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.
Oglethorpe County
How big is Oglethorpe County
- Land area439 sq mi
- Rank by land area among Georgia counties43rd of 159
- Width, east to west28.8 mi
- Height, north to south24.4 mi
- Geographies sharing a boundary7
- Residents per square mile of land35
- Establishments per square mile0.41
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.
Oglethorpe County
What hazards affect Oglethorpe 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 NFIP3
- NFIP participation rate75.0 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 Oglethorpe 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 Oglethorpe County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population15,509
- Households5,411
- Average household size2.87
- Median household income$75,034
- Median age43.2
Common questions
Oglethorpe County questions, answered from the record.
How many people live in Oglethorpe County, Georgia?
15,509, in 5,411 households, ranking 107th of 159 Georgia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Oglethorpe County growing?
The population has grown 9.10 percent since the 2020 census base. In 2024 there were 166 births against 158 deaths, with net migration of 380. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Oglethorpe County?
$75,034. The median owner-occupied home is valued at $231,600, which is 3.1 times income, and median gross rent is $913 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Oglethorpe County?
182 establishments, employing 1,104 people with an annual payroll of $43.8 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 Oglethorpe County?
Average annual pay is $45,812, or $881 a week, across 2,094 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Oglethorpe County?
9 7(a) approvals totalling $4.3 m since FY2020, across 8 lenders, with a median approval of $225,000, plus 2 504 approvals worth $3.3 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Oglethorpe County?
140 housing units were authorised by permit in 2024, with a declared construction value of $27.5 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Oglethorpe 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 Oglethorpe County come from?
The largest single origin is Oglethorpe County Non-migrants, with 5,227 households. Arriving households report an average income of $56,130 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 Oglethorpe 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 Oglethorpe 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.