HomeGeorgiaBerrien CountyRay City
Ray City, Georgia: commercial real estate data.
Ray City is a Census city of 852 people across 1.15 square miles of land, lying across Berrien County and Lanier County. Median household income is $56,023, 63.4 percent of occupied homes are owned, and the SBA record carries 1 7(a) approvals to borrowers here worth $320,400 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Ray City
What Ray City is
- Census place typecity
- Land area1.15 sq mi
- Water area0 sq mi
- Population per square mile of land743 plus or minus 227
- County holding the largest share of its areaBerrien County, 91.7 percent
- Counties this place lies inBerrien County 91.7 percent, Lanier County 8.3 percent
Ray City crosses a county line. The split above is measured from the Census boundary of the place against the county boundaries, by area, so it says where the ground is and not where the town hall is.
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ray City
How many people live in Ray City
- Population852 plus or minus 260
- Median age35.6 plus or minus 14.3
- Population under 18200 plus or minus 79
- Share under 1823.5 percent plus or minus 5.8
- Population 65 and over69 plus or minus 40
- Share 65 and over8.1 percent plus or minus 4.0
- Households303 plus or minus 91
- Family households235 plus or minus 85
- Share of households that are families77.6 percent plus or minus 15.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ray City
Income and work in Ray City
- Median household income$56,023 plus or minus $16,344
- Per capita income$24,148 plus or minus $5,388
- Civilian labor force352 plus or minus 125
- Employed335 plus or minus 124
- Unemployed17 plus or minus 18
- Unemployment rate4.8 percent plus or minus 4.8
- Adults 25 and over543 plus or minus 174
- Adults 25 and over with a high school diploma or higher91.5 percent plus or minus 39.4
- Adults 25 and over with a bachelor degree or higher14.0 percent plus or minus 7.9
- Adults 25 and over with a graduate degree6.6 percent plus or minus 6.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ray City
Housing in Ray City
- Housing units337 plus or minus 94
- Occupied units303 plus or minus 91
- Vacant units34 plus or minus 27
- Vacancy rate10.1 percent plus or minus 7.5
- Owner occupied192 plus or minus 68
- Renter occupied111 plus or minus 53
- Ownership rate63.4 percent
- Median owner-occupied home value$122,800
- Median gross rent, monthly$773 plus or minus $348
- Annual rent as a share of median income16.6 percent plus or minus 8.9
- Single family units236 plus or minus 75
- Share single family70.0 percent
- Units in buildings of two or more17 plus or minus 24
- Share in buildings of two or more5.0 percent plus or minus 6.9
- Mobile homes84 plus or minus 54
- Median year structure built1989
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ray City
How Ray City gets to work
- Workers 16 and over who commute314 plus or minus 123
- Commuting under 15 minutes52 plus or minus 38
- Share commuting under 15 minutes16.6 percent plus or minus 10.2
- Commuting 30 minutes or more136 plus or minus 98
- Share commuting 30 minutes or more43.3 percent plus or minus 26.0
- Drove alone81.7 percent plus or minus 17.0
- Carpooled4.9 percent plus or minus 4.3
- Public transport0.0 percent
- Walked3.2 percent plus or minus 4.8
- Worked from home8.7 percent plus or minus 9.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ray City
SBA loans in Ray City (7(a))
- Approvals1
- Gross approval$320,400
- Average approval$320,400
- Median approval$320,400
- Largest approval$320,400
- Jobs supported5
- Jobs per approval5.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term90 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
Counted by borrower city: approvals to borrowers whose address is in Ray City, in any county, FY2020 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Ray City
Flood risk in Ray City
- NFIP communityCity of Ray City
- NFIP community number130009
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/25/09
The City of Ray City participates in the National Flood Insurance Program as community 130009 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Berrien County, not Ray City
Berrien County context, not Ray City figures
- Establishments in Berrien County253
- Covered employment, Berrien County3,795
- Average annual pay, Berrien County$41,776
- Housing units permitted, Berrien County135
Every figure in this section is published for Berrien County as a whole and is not a measurement of Ray City.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, 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 →
Common questions
Ray City questions, answered from the record.
How many people live in Ray City, Georgia?
852, in 303 households. Ray City city covers 1.15 square miles of land, which is 743 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Ray City in?
Ray City lies in more than one. By area it is 91.7 percent in Berrien County, 8.3 percent in Lanier County. This page sits under Berrien County because that county holds the largest share. The split is measured from the Census boundary of the place against the county boundaries.
What is the median household income in Ray City?
$56,023. The median owner-occupied home is valued at $122,800. Median gross rent is $773 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Ray City businesses?
1 7(a) approvals totaling $320,400 since FY2020, across 1 lenders, median approval $320,400. These count approvals to borrowers whose address is in Ray City, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Ray City borrowers get paid back?
No rate is published for Ray City. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Ray City in the National Flood Insurance Program?
Yes. Ray City appears in the FEMA Community Status Book as Ray City, city of, community 130009, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Ray City figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Berrien County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Ray City.
Is zoning published for Ray City?
No. Nothing on this page presents parcel level zoning.
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