Baldwin County, Georgia: commercial real estate data.
Baldwin County, Georgia had an estimated 43,644 residents on July 1, 2024, down 0.3 percent since the 2020 census base of 43,791, across 258 square miles. County output reached $1.99 bn in 2024, 862 establishments operate here, and the SBA record carries 26 7(a) approvals worth $21.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Baldwin County
How many people live in Baldwin County
- Population, American Community Survey 2020-202443,642
- Households16,582
- Average household size2.63
- Median household income$54,403
- Median age36.5
- Median gross rent$923 per month
- Median owner-occupied home value$181,900
- Home value to household income3.3 times
- Annual rent as a share of median income20.4 percent
- Adults 25 and over with a bachelor degree or higher24.4 percent
- Adults 25 and over with a graduate degree11.3 percent
- Adults 25 and over27,781
- Population under 188,036
- Share under 1818.4 percent
- Population 65 and over7,516
- Share 65 and over17.2 percent
- Working age population, 18 to 6428,090
- Civilian labor force17,571
- Unemployment rate6.2 percent
- Labor force participation, adults 18 and over49.3 percent
- Rank by population among Georgia counties48th of 159
- Rank by population among US county-equivalents, Puerto Rico included1132nd of 3,222
Baldwin County is the 48th largest of 159 Georgia counties by population. A median home costs 3.3 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 18.4 percent against 17.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Baldwin County
Is Baldwin County's population growing?
- Population, July 1, 202443,644
- Census 2020 base population43,791
- Population change since the 2020 census base-0.34 percent
- Population change, 2023 to 2024221
- Births, 2024388
- Deaths, 2024528
- Natural change, 2024-140
- Net domestic migration, 2024343
- Net international migration, 202413
- Total net migration, 2024356
- Cumulative net domestic migration, 2021 to 2024410
- Rank by growth among US county-equivalents1967th of 3,144
The county has lost 0.34 percent of its population since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration 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.
Baldwin County
Where are people moving to Baldwin County from?
- Tax returns filed by households arriving1,061
- People arriving, from those returns1,903
- Tax returns filed by households leaving1,048
- Net household movement13
- Adjusted gross income arriving$59.3 m
- Net adjusted gross income movement$11.3 m
- Average income of an arriving household$55,928
- Average income of a leaving household$45,866
- Largest single originPutnam County (107 households)
- Largest single destinationPutnam County (84 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Putnam County | 107 | 219 | $5.4 m |
| Bibb County | 53 | 91 | $3.7 m |
| Wilkinson County | 52 | 101 | $1.5 m |
| Jones County | 51 | 99 | $3.6 m |
| Washington County | 40 | 63 | $1.4 m |
| Hancock County | 33 | 72 | $1.4 m |
| Fulton County | 30 | 46 | $3.4 m |
| Gwinnett County | 25 | 43 | $1.7 m |
Households arriving report $10,062 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Putnam County, 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.
Baldwin County
What is the Baldwin County economy?
- County GDP, 2024$1.99 bn
- County GDP, 2023$1.88 bn
- GDP change, 2023 to 20246.0 percent
- GDP change over five years39.8 percent
- Rank by GDP among the Georgia areas BEA publishes53rd of 159
- Rank by GDP among the US county areas BEA publishes1288th of 3,127
- GDP per resident$45,597
Output grew 6.0 percent in the latest year and 39.8 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.
Baldwin County
Employment by industry in Baldwin County
- Covered employment, annual average16,169
- Establishments reporting995
- Average annual pay$43,911
- Average weekly wage$844
- Health care and social assistance, employment3,318
- Health care and social assistance, average annual pay$43,618
- Retail trade, employment2,339
- Retail trade, average annual pay$34,571
- Accommodation and food services, employment2,224
- Accommodation and food services, average annual pay$19,495
- Manufacturing, employment961
- Manufacturing, average annual pay$68,750
- Administrative and support and waste management services, employment867
- Wholesale trade, employment474
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 3,318 | 122 | $43,618 |
| Retail trade | 2,339 | 196 | $34,571 |
| Accommodation and food services | 2,224 | 119 | $19,495 |
| Manufacturing | 961 | 26 | $68,750 |
| Administrative and support and waste management services | 867 | 48 | $37,881 |
| Wholesale trade | 474 | 24 | $65,127 |
| Construction | 360 | 73 | $59,772 |
| Other services, except public administration | 278 | 64 | $41,047 |
Health care and social assistance is the largest private sector at 3,318 jobs, 20.5 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Baldwin County
How many businesses are in Baldwin County?
- Establishments, all industries862
- Employment at those establishments13,279
- Annual payroll$579.8 m
- Establishments per 1,000 residents19.8
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Baldwin County
Building permits in Baldwin County
- Housing units authorized by permit, 2024202
- Declared construction value permitted$45.2 m
- Single family units authorized100
- Multifamily units authorized102
- Multifamily share of units50.5 percent
- Average declared value per unit$223,961
- Units authorized per 1,000 households12.2
Multifamily is 50.5 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Baldwin County
SBA loans in Baldwin County (7(a) and 504)
- 7(a) approvals recorded26
- 7(a) gross approval dollars$21.7 m
- Average 7(a) approval$834,538
- Median 7(a) approval$448,100
- 10th percentile approval$44,500
- 90th percentile approval$1,991,250
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)285
- Jobs per approval11.0
- Distinct 7(a) lenders active17
- Distinct industries receiving approvals19
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer38.5 percent
- Loans on real estate terms10
- Loans on working capital terms, 120 months or shorter15
- Franchise loans6
- Franchise share of approvals23.1 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (3)
- Most active lenderReadycap Lending, LLC (4)
- 504 approvals recorded14
- 504 gross approval dollars$21.0 m
- Average 504 approval$1,497,500
- Median 504 approval$718,500
- Distinct CDCs active5
- 504 jobs per approval20.1
- 504 jobs per million dollars approved13.5
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$42.7 m
The average approval of $834,538 sits well above the median of $448,100, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. 38.5 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.
Baldwin County
SBA loan default and charge-off rates in Baldwin County
Do SBA loans in Baldwin County get paid back?
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Exempt from disclosure21
- Status: Paid in full2
- Status: Cancelled3
Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Baldwin County
How large is Baldwin County?
- Land area258 sq mi
- Rank by land area among Georgia counties116th of 159
- Width, east to west21.8 mi
- Height, north to south18 mi
- Geographies sharing a boundary5
- Residents per square mile of land169
- Establishments per square mile3.34
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.
Baldwin County
Flood risk in Baldwin County
- Participation of the county's own NFIP community Baldwin County, unincorporated areasParticipating, community 130005
- Communities in the county in the NFIP Community Status Book2
- Of those, participating in the NFIP2
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Baldwin County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The county's own community in the status book, unincorporated Baldwin County (community 130005), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Baldwin County in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Feasibility studies
When a Baldwin 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 Baldwin County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202443,642
- Households16,582
- Average household size2.63
- Median household income$54,403
- Median age36.5
Common questions
Baldwin County questions, answered from the record.
How many people live in Baldwin County, Georgia?
The Census Bureau estimates 43,644 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 43,642, in 16,582 households, ranking 48th of 159 Georgia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Baldwin County's population growing?
The population has fallen 0.34 percent since the 2020 census base of 43,791, to 43,644 on July 1, 2024. In 2024 there were 388 births against 528 deaths, with net migration of 356. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Baldwin County?
$54,403. The median owner-occupied home is valued at $181,900, which is 3.3 times income, and median gross rent is $923 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Baldwin County?
862 establishments, employing 13,279 people with an annual payroll of $579.8 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Baldwin County?
Health care and social assistance is the largest private sector at 3,318 jobs, 20.5 percent of covered employment. Covered employment averages 16,169 jobs at an average annual pay of $43,911, or $844 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Baldwin County?
26 7(a) approvals totaling $21.7 m since FY2020, across 17 lenders, with a median approval of $448,100, plus 14 504 approvals worth $21.0 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Baldwin County?
202 housing units were authorized by permit in 2024, with a declared construction value of $45.2 m. Multifamily was 50.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Baldwin 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 Baldwin County come from?
The largest single origin is Putnam County, with 107 households. Arriving households report an average income of $55,928 against $45,866 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Baldwin 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 Baldwin County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Baldwin County
Cities and places in Baldwin.
2 Census places lie wholly or partly in Baldwin County. All 2 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Milledgeville | city | 16,748 | 26 | Wholly in this county |
| Hardwick | CDP | 3,402 | None recorded | Wholly in this county |
Nearby