Spalding County, Georgia: commercial real estate data.
Spalding County, Georgia has a population of 68,892 across 196 square miles, up 4.4 percent since the 2020 census base. County output reached $3.09 bn in 2024, 1,240 establishments operate here, and the SBA record carries 48 7(a) approvals worth $45.0 m.
125 sourced county values · tier FULL · 12 sections
Spalding County
How many people live in Spalding County
- Population68,892
- Households26,471
- Average household size2.60
- Median household income$62,071
- Median age39.5
- Median gross rent$1,113 per month
- Median owner-occupied home value$228,700
- Home value to household income3.7 times
- Annual rent as a share of median income21.5 percent
- Adults 25 and over with a bachelor degree or higher18.5 percent
- Adults 25 and over with a graduate degree6.4 percent
- Adults 25 and over47,347
- Population under 1816,132
- Share under 1823.4 percent
- Population 65 and over13,161
- Share 65 and over19.1 percent
- Working age population, 18 to 6439,599
- Civilian labor force31,009
- Unemployment rate7.3 percent
- Labor force participation, adults 18 and over58.8 percent
- Rank by population among Georgia counties36th of 159
- Rank by population among US county-equivalents796th
Spalding County is the 36th largest of 159 Georgia counties by population. A median home costs 3.7 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 23.4 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.
Spalding County
Is Spalding County growing
- Population change since the 2020 census base4.44 percent
- Census 2020 base population67,301
- Births, 2024853
- Deaths, 2024862
- Natural change, 2024-9
- Net domestic migration, 2024159
- Net international migration, 2024148
- Total net migration, 2024307
- Cumulative net domestic migration, 2021 to 20242,853
- Rank by growth among US county-equivalents622nd
The county has grown 4.44 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.
Spalding County
Where people moving to Spalding County come from
- Tax returns filed by households arriving2,672
- People arriving, from those returns5,121
- Adjusted gross income arriving$136.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$51,188
- Largest single originSpalding County Non-migrants (22,722 households)
- Largest single destination (22,722 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Spalding County Non-migrants | 22,722 | 46,020 | $1.36 bn |
| Other flows - Different State | 573 | 1,058 | $32.0 m |
| Henry County | 513 | 1,030 | $26.1 m |
| Clayton County | 309 | 637 | $12.3 m |
| Other flows - South | 297 | 520 | $13.8 m |
| Other flows - Same State | 273 | 500 | $13.3 m |
| Pike County | 135 | 259 | $7.6 m |
| Fulton County | 119 | 195 | $5.9 m |
The largest single source of arrivals is Spalding 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.
Spalding County
What the Spalding County economy runs on
- County GDP, 2024$3.09 bn
- County GDP, 2023$2.96 bn
- GDP change, 2023 to 20244.6 percent
- GDP change over five years44.2 percent
- Rank by GDP among Georgia counties40th
- Rank by GDP among US county-equivalents954th
- GDP per resident$44,911
Output grew 4.6 percent in the latest year and 44.2 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.
Spalding County
Who employs people in Spalding County
- Covered employment, annual average23,477
- Establishments reporting1,503
- Average annual pay$49,873
- Average weekly wage$959
- Sector 62, employment4,232
- Sector 62, average annual pay$52,076
- Sector 31-33, employment3,104
- Sector 31-33, average annual pay$70,144
- Sector 44-45, employment3,098
- Sector 44-45, average annual pay$32,568
- Sector 72, employment2,043
- Sector 72, average annual pay$20,812
- Sector 54, employment1,496
- Sector 42, employment749
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 4,232 | 153 | $52,076 |
| Sector 31-33 | 3,104 | 79 | $70,144 |
| Sector 44-45 | 3,098 | 251 | $32,568 |
| Sector 72 | 2,043 | 136 | $20,812 |
| Sector 54 | 1,496 | 124 | $49,702 |
| Sector 42 | 749 | 70 | $78,221 |
| Sector 23 | 717 | 122 | $60,484 |
| Sector 48-49 | 509 | 42 | $61,105 |
The largest sector is the biggest private employer group at 4,232 jobs, 18.0 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.
Spalding County
What businesses operate in Spalding County
- Establishments, all industries1,240
- Employment at those establishments17,205
- Annual payroll$886.1 m
- Establishments per 1,000 residents18.0
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.
Spalding County
What is being built in Spalding County
- Housing units authorised by permit, 2024342
- Declared construction value permitted$80.2 m
- Single family units authorised342
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$234,465
- Units authorised per 1,000 households12.9
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Spalding County
How much SBA lending happens in Spalding County
- 7(a) approvals recorded48
- 7(a) gross approval dollars$45.0 m
- Average 7(a) approval$937,198
- Median 7(a) approval$549,600
- 10th percentile approval$100,000
- 90th percentile approval$2,415,000
- Largest single approval$3,985,000
- Jobs reported supported, 7(a)559
- Jobs per approval11.6
- Distinct 7(a) lenders active27
- Distinct industries receiving approvals32
- Median 7(a) term126 months
- Share of loans on real estate terms, 240 months or longer45.8 percent
- Loans on real estate terms22
- Loans on working capital terms, 120 months or shorter22
- Franchise loans8
- Franchise share of approvals16.7 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (6)
- Most active lenderEmbassy National Bank (5)
- 504 approvals recorded15
- 504 gross approval dollars$17.0 m
- Average 504 approval$1,133,467
- Median 504 approval$1,014,000
- Distinct CDCs active5
- 504 jobs per approval8.9
- 504 jobs per million dollars approved7.8
- Most active CDCCapital Partners Certified Development Company (6)
- 7(a) share of SBA approvals76.2 percent
- Combined SBA approval dollars$62.0 m
The average approval of $937,198 sits well above the median of $549,600, 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. 45.8 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.
Spalding County
Do SBA loans in Spalding County get paid back
- Loans with a final outcome recorded10
- Paid in full9
- Charged off1
- Charge off rate on resolved loans10.0 percent
- Status: Exempt from disclosure30
- Status: Paid in full9
- Status: Cancelled6
- Status: Charged off1
- Status: Committed, not yet disbursed2
Of the 10 loans that have reached a final outcome, 10.0 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Spalding County
Which parts of Spalding County get the lending
- Places in the county with recorded lending2
- GRIFFIN, approvals47
- HAMPTON, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| GRIFFIN | 47 | $44,688,000 |
| HAMPTON | 1 | $297,500 |
GRIFFIN accounts for 47 approvals against 1 in HAMPTON. 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.
Spalding County
How big is Spalding County
- Land area196 sq mi
- Rank by land area among Georgia counties139th of 159
- Width, east to west23.5 mi
- Height, north to south11.6 mi
- Geographies sharing a boundary8
- Residents per square mile of land351
- Establishments per square mile6.33
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.
Spalding County
What hazards affect Spalding 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
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 6
- Communities carrying a CRS class1
The EPA places the county in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The best Community Rating System class in the county is 6, which carries a flood insurance premium discount for properties in the participating community.
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 Spalding 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 Spalding County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population68,892
- Households26,471
- Average household size2.60
- Median household income$62,071
- Median age39.5
Common questions
Spalding County questions, answered from the record.
How many people live in Spalding County, Georgia?
68,892, in 26,471 households, ranking 36th of 159 Georgia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Spalding County growing?
The population has grown 4.44 percent since the 2020 census base. In 2024 there were 853 births against 862 deaths, with net migration of 307. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Spalding County?
$62,071. The median owner-occupied home is valued at $228,700, which is 3.7 times income, and median gross rent is $1,113 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Spalding County?
1,240 establishments, employing 17,205 people with an annual payroll of $886.1 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 Spalding County?
Average annual pay is $49,873, or $959 a week, across 23,477 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Spalding County?
48 7(a) approvals totalling $45.0 m since FY2020, across 27 lenders, with a median approval of $549,600, plus 15 504 approvals worth $17.0 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Spalding County get paid back?
Of the 10 loans that have reached a final outcome, 9 were paid in full and 1 charged off, a charge off rate of 10.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Spalding County?
342 housing units were authorised by permit in 2024, with a declared construction value of $80.2 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Spalding 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 Spalding County come from?
The largest single origin is Spalding County Non-migrants, with 22,722 households. Arriving households report an average income of $51,188 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 Spalding 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 Spalding 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.