White County, Georgia: commercial real estate data.
White County, Georgia has a population of 28,810 across 241 square miles, up 5.9 percent since the 2020 census base. County output reached $1.29 bn in 2024, 733 establishments operate here, and the SBA record carries 23 7(a) approvals worth $35.3 m.
125 sourced county values · tier FULL · 12 sections
White County
How many people live in White County
- Population28,810
- Households10,729
- Average household size2.69
- Median household income$70,666
- Median age45.6
- Median gross rent$1,032 per month
- Median owner-occupied home value$278,900
- Home value to household income3.9 times
- Annual rent as a share of median income17.5 percent
- Adults 25 and over with a bachelor degree or higher24.0 percent
- Adults 25 and over with a graduate degree9.8 percent
- Adults 25 and over20,542
- Population under 185,573
- Share under 1819.3 percent
- Population 65 and over6,695
- Share 65 and over23.2 percent
- Working age population, 18 to 6416,542
- Civilian labor force13,188
- Unemployment rate3.8 percent
- Labor force participation, adults 18 and over56.8 percent
- Rank by population among Georgia counties66th of 159
- Rank by population among US county-equivalents1512th
White County is the 66th largest of 159 Georgia counties by population. A median home costs 3.9 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 23.2 percent against 19.3 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.
White County
Is White County growing
- Population change since the 2020 census base5.94 percent
- Census 2020 base population28,004
- Births, 2024282
- Deaths, 2024386
- Natural change, 2024-104
- Net domestic migration, 2024674
- Net international migration, 202442
- Total net migration, 2024716
- Cumulative net domestic migration, 2021 to 20242,010
- Rank by growth among US county-equivalents420th
The county has grown 5.94 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.
White County
Where people moving to White County come from
- Tax returns filed by households arriving1,036
- People arriving, from those returns1,936
- Adjusted gross income arriving$67.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$65,195
- Largest single originWhite County Non-migrants (9,910 households)
- Largest single destination (9,910 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| White County Non-migrants | 9,910 | 20,547 | $714.2 m |
| Other flows - Same State | 246 | 485 | $13.1 m |
| Other flows - Different State | 241 | 428 | $18.8 m |
| Hall County | 197 | 383 | $11.0 m |
| Other flows - South | 186 | 321 | $15.0 m |
| Habersham County | 91 | 180 | $3.5 m |
| Gwinnett County | 73 | 136 | $7.0 m |
| Lumpkin County | 69 | 116 | $3.4 m |
The largest single source of arrivals is White 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.
White County
What the White County economy runs on
- County GDP, 2024$1.29 bn
- County GDP, 2023$1.21 bn
- GDP change, 2023 to 20246.8 percent
- GDP change over five years48.6 percent
- Rank by GDP among Georgia counties73rd
- Rank by GDP among US county-equivalents1638th
- GDP per resident$44,799
Output grew 6.8 percent in the latest year and 48.6 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.
White County
Who employs people in White County
- Covered employment, annual average9,487
- Establishments reporting846
- Average annual pay$40,185
- Average weekly wage$773
- Sector 72, employment1,805
- Sector 72, average annual pay$26,601
- Sector 44-45, employment1,481
- Sector 44-45, average annual pay$32,666
- Sector 31-33, employment737
- Sector 31-33, average annual pay$60,232
- Sector 23, employment734
- Sector 23, average annual pay$62,850
- Sector 81, employment272
- Sector 56, employment236
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 72 | 1,805 | 122 | $26,601 |
| Sector 44-45 | 1,481 | 144 | $32,666 |
| Sector 31-33 | 737 | 40 | $60,232 |
| Sector 23 | 734 | 98 | $62,850 |
| Sector 81 | 272 | 59 | $36,484 |
| Sector 56 | 236 | 49 | $35,698 |
| Sector 11 | 217 | 16 | $56,610 |
| Sector 71 | 178 | 18 | $20,822 |
The largest sector is the biggest private employer group at 1,805 jobs, 19.0 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.
White County
What businesses operate in White County
- Establishments, all industries733
- Employment at those establishments7,240
- Annual payroll$286.1 m
- Establishments per 1,000 residents25.4
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.
White County
What is being built in White County
- Housing units authorised by permit, 2024180
- Declared construction value permitted$48.7 m
- Single family units authorised180
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$270,784
- Units authorised per 1,000 households16.8
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
White County
How much SBA lending happens in White County
- 7(a) approvals recorded23
- 7(a) gross approval dollars$35.3 m
- Average 7(a) approval$1,536,457
- Median 7(a) approval$1,409,900
- 10th percentile approval$86,000
- 90th percentile approval$2,630,000
- Largest single approval$4,240,000
- Jobs reported supported, 7(a)295
- Jobs per approval12.8
- Distinct 7(a) lenders active16
- Distinct industries receiving approvals18
- Median 7(a) term240 months
- Share of loans on real estate terms, 240 months or longer56.5 percent
- Loans on real estate terms13
- Loans on working capital terms, 120 months or shorter9
- Franchise loans10
- Franchise share of approvals43.5 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (3)
- Most active lenderLive Oak Banking Company (3)
- 504 approvals recorded14
- 504 gross approval dollars$8.3 m
- Average 504 approval$595,071
- Median 504 approval$359,000
- Distinct CDCs active2
- 504 jobs per approval5.3
- 504 jobs per million dollars approved8.9
- Most active CDCSmall Business Access Partners, Inc. (11)
- 7(a) share of SBA approvals62.2 percent
- Combined SBA approval dollars$43.7 m
The average approval of $1,536,457 sits close to the median of $1,409,900, so lending here is fairly evenly sized rather than driven by a few large deals. 56.5 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.
White County
Do SBA loans in White County get paid back
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Paid in full3
- Status: Exempt from disclosure18
- Status: Cancelled1
- 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.
White County
Which parts of White County get the lending
- Places in the county with recorded lending5
- CLEVELAND, approvals15
- HELEN, approvals5
- Sautee Nachochee, approvals1
- ClevelandCleveland, approvals1
- SUGAR HILL, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| CLEVELAND | 15 | $15,711,500 |
| HELEN | 5 | $15,576,000 |
| Sautee Nachochee | 1 | $2,630,000 |
| ClevelandCleveland | 1 | $646,000 |
| SUGAR HILL | 1 | $775,000 |
CLEVELAND accounts for 15 approvals against 5 in HELEN. 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.
White County
How big is White County
- Land area241 sq mi
- Rank by land area among Georgia counties123rd of 159
- Width, east to west14.9 mi
- Height, north to south20.6 mi
- Geographies sharing a boundary5
- Residents per square mile of land120
- Establishments per square mile3.04
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.
White County
What hazards affect White County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book3
- Of those, participating in the NFIP3
- 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 White 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 White County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population28,810
- Households10,729
- Average household size2.69
- Median household income$70,666
- Median age45.6
Common questions
White County questions, answered from the record.
How many people live in White County, Georgia?
28,810, in 10,729 households, ranking 66th of 159 Georgia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is White County growing?
The population has grown 5.94 percent since the 2020 census base. In 2024 there were 282 births against 386 deaths, with net migration of 716. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in White County?
$70,666. The median owner-occupied home is valued at $278,900, which is 3.9 times income, and median gross rent is $1,032 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in White County?
733 establishments, employing 7,240 people with an annual payroll of $286.1 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 White County?
Average annual pay is $40,185, or $773 a week, across 9,487 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in White County?
23 7(a) approvals totalling $35.3 m since FY2020, across 16 lenders, with a median approval of $1,409,900, plus 14 504 approvals worth $8.3 m. These are approvals recorded in the release, not loans disbursed.
What is being built in White County?
180 housing units were authorised by permit in 2024, with a declared construction value of $48.7 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for White 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 White County come from?
The largest single origin is White County Non-migrants, with 9,910 households. Arriving households report an average income of $65,195 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 White 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 White 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.