Putnam County, Georgia: commercial real estate data.
Putnam County, Georgia has a population of 22,855 across 345 square miles, up 6.1 percent since the 2020 census base. County output reached $906.0 m in 2024, 546 establishments operate here, and the SBA record carries 23 7(a) approvals worth $19.2 m.
122 sourced county values · tier FULL · 12 sections
Putnam County
How many people live in Putnam County
- Population22,855
- Households10,435
- Average household size2.19
- Median household income$72,096
- Median age47.8
- Median gross rent$1,002 per month
- Median owner-occupied home value$249,300
- Home value to household income3.5 times
- Annual rent as a share of median income16.7 percent
- Adults 25 and over with a bachelor degree or higher31.1 percent
- Adults 25 and over with a graduate degree10.4 percent
- Adults 25 and over16,749
- Population under 184,436
- Share under 1819.4 percent
- Population 65 and over5,679
- Share 65 and over24.8 percent
- Working age population, 18 to 6412,740
- Civilian labor force10,322
- Unemployment rate3.7 percent
- Labor force participation, adults 18 and over56.0 percent
- Rank by population among Georgia counties82nd of 159
- Rank by population among US county-equivalents1735th
Putnam County is the 82nd 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 65 and over outnumber those under 18, at 24.8 percent against 19.4 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.
Putnam County
Is Putnam County growing
- Population change since the 2020 census base6.07 percent
- Census 2020 base population22,044
- Births, 2024195
- Deaths, 2024317
- Natural change, 2024-122
- Net domestic migration, 2024222
- Net international migration, 2024100
- Total net migration, 2024322
- Cumulative net domestic migration, 2021 to 20241,580
- Rank by growth among US county-equivalents398th
The county has grown 6.07 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.
Putnam County
Where people moving to Putnam County come from
- Tax returns filed by households arriving824
- People arriving, from those returns1,550
- Adjusted gross income arriving$92.2 m
- Net adjusted gross income movement$0
- Average income of an arriving household$111,887
- Largest single originPutnam County Non-migrants (8,038 households)
- Largest single destination (8,038 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Putnam County Non-migrants | 8,038 | 15,948 | $699.1 m |
| Other flows - Same State | 257 | 473 | $29.9 m |
| Other flows - Different State | 198 | 350 | $25.2 m |
| Other flows - South | 123 | 219 | $13.4 m |
| Baldwin County | 84 | 158 | $3.7 m |
| Greene County | 58 | 127 | $6.7 m |
| Morgan County | 43 | 78 | $2.6 m |
| Gwinnett County | 38 | 70 | $4.4 m |
The largest single source of arrivals is Putnam 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.
Putnam County
What the Putnam County economy runs on
- County GDP, 2024$906.0 m
- County GDP, 2023$838.3 m
- GDP change, 2023 to 20248.1 percent
- GDP change over five years59.5 percent
- Rank by GDP among Georgia counties86th
- Rank by GDP among US county-equivalents1917th
- GDP per resident$39,643
Output grew 8.1 percent in the latest year and 59.5 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.
Putnam County
Who employs people in Putnam County
- Covered employment, annual average6,311
- Establishments reporting624
- Average annual pay$47,828
- Average weekly wage$920
- Sector 44-45, employment838
- Sector 44-45, average annual pay$32,671
- Sector 31-33, employment656
- Sector 31-33, average annual pay$57,948
- Sector 72, employment577
- Sector 72, average annual pay$26,442
- Sector 56, employment476
- Sector 56, average annual pay$48,611
- Sector 23, employment410
- Sector 48-49, employment281
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 838 | 94 | $32,671 |
| Sector 31-33 | 656 | 26 | $57,948 |
| Sector 72 | 577 | 40 | $26,442 |
| Sector 56 | 476 | 52 | $48,611 |
| Sector 23 | 410 | 92 | $61,832 |
| Sector 48-49 | 281 | 21 | $45,410 |
| Sector 11 | 207 | 16 | $52,012 |
| Sector 81 | 170 | 29 | $36,202 |
The largest sector is the biggest private employer group at 838 jobs, 13.3 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.
Putnam County
What businesses operate in Putnam County
- Establishments, all industries546
- Employment at those establishments5,509
- Annual payroll$264.9 m
- Establishments per 1,000 residents23.9
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.
Putnam County
What is being built in Putnam County
- Housing units authorised by permit, 2024127
- Declared construction value permitted$40.0 m
- Single family units authorised77
- Multifamily units authorised50
- Multifamily share of units39.4 percent
- Average declared value per unit$314,603
- Units authorised per 1,000 households12.2
Multifamily is 39.4 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Putnam County
How much SBA lending happens in Putnam County
- 7(a) approvals recorded23
- 7(a) gross approval dollars$19.2 m
- Average 7(a) approval$836,357
- Median 7(a) approval$425,000
- 10th percentile approval$50,000
- 90th percentile approval$2,152,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)410
- Jobs per approval17.8
- Distinct 7(a) lenders active18
- Distinct industries receiving approvals19
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer21.7 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter15
- Franchise loans3
- Franchise share of approvals13.0 percent
- Leading industry by approval countGeneral Freight Trucking, Local (2)
- Most active lenderNortheast Bank (3)
- 504 approvals recorded10
- 504 gross approval dollars$6.6 m
- Average 504 approval$657,300
- Median 504 approval$548,000
- Distinct CDCs active3
- 504 jobs per approval2.8
- 504 jobs per million dollars approved4.3
- Most active CDCCSRA Local Development Corporation (6)
- 7(a) share of SBA approvals69.7 percent
- Combined SBA approval dollars$25.8 m
The average approval of $836,357 sits well above the median of $425,000, 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 21.7 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.
Putnam County
Do SBA loans in Putnam County get paid back
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Paid in full2
- Status: Exempt from disclosure17
- Status: Cancelled3
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 2 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.
Putnam County
Which parts of Putnam County get the lending
- Places in the county with recorded lending2
- Eatonton, approvals22
- Milledgeville, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Eatonton | 22 | $18,615,200 |
| Milledgeville | 1 | $621,000 |
Eatonton accounts for 22 approvals against 1 in Milledgeville. 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.
Putnam County
How big is Putnam County
- Land area345 sq mi
- Rank by land area among Georgia counties78th of 159
- Width, east to west23.1 mi
- Height, north to south21.5 mi
- Geographies sharing a boundary6
- Residents per square mile of land66
- Establishments per square mile1.58
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.
Putnam County
What hazards affect Putnam 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 Putnam 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 Putnam County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population22,855
- Households10,435
- Average household size2.19
- Median household income$72,096
- Median age47.8
Common questions
Putnam County questions, answered from the record.
How many people live in Putnam County, Georgia?
22,855, in 10,435 households, ranking 82nd of 159 Georgia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Putnam County growing?
The population has grown 6.07 percent since the 2020 census base. In 2024 there were 195 births against 317 deaths, with net migration of 322. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Putnam County?
$72,096. The median owner-occupied home is valued at $249,300, which is 3.5 times income, and median gross rent is $1,002 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Putnam County?
546 establishments, employing 5,509 people with an annual payroll of $264.9 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 Putnam County?
Average annual pay is $47,828, or $920 a week, across 6,311 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Putnam County?
23 7(a) approvals totalling $19.2 m since FY2020, across 18 lenders, with a median approval of $425,000, plus 10 504 approvals worth $6.6 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Putnam County?
127 housing units were authorised by permit in 2024, with a declared construction value of $40.0 m. Multifamily was 39.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Putnam 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 Putnam County come from?
The largest single origin is Putnam County Non-migrants, with 8,038 households. Arriving households report an average income of $111,887 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 Putnam 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 Putnam 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.