Catoosa County, Georgia: commercial real estate data.
Catoosa County, Georgia had an estimated 68,940 residents on July 1, 2024, up 1.6 percent since the 2020 census base of 67,873, across 162 square miles. County output reached $2.27 bn in 2024, 1,044 establishments operate here, and the SBA record carries 35 7(a) approvals worth $34.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Catoosa County
How many people live in Catoosa County
- Population, American Community Survey 2020-202468,634
- Households26,653
- Average household size2.58
- Median household income$74,639
- Median age40.8
- Median gross rent$993 per month
- Median owner-occupied home value$240,900
- Home value to household income3.2 times
- Annual rent as a share of median income16.0 percent
- Adults 25 and over with a bachelor degree or higher24.2 percent
- Adults 25 and over with a graduate degree9.2 percent
- Adults 25 and over48,318
- Population under 1815,052
- Share under 1821.9 percent
- Population 65 and over12,806
- Share 65 and over18.7 percent
- Working age population, 18 to 6440,776
- Civilian labor force34,502
- Unemployment rate4.3 percent
- Labor force participation, adults 18 and over64.4 percent
- Rank by population among Georgia counties38th of 159
- Rank by population among US county-equivalents, Puerto Rico included800th of 3,222
Catoosa County is the 38th largest of 159 Georgia counties by population. A median home costs 3.2 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 21.9 percent against 18.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Catoosa County
Is Catoosa County's population growing?
- Population, July 1, 202468,940
- Census 2020 base population67,873
- Population change since the 2020 census base1.57 percent
- Population change, 2023 to 20245
- Births, 2024355
- Deaths, 2024794
- Natural change, 2024-439
- Net domestic migration, 2024387
- Net international migration, 202454
- Total net migration, 2024441
- Cumulative net domestic migration, 2021 to 20241,966
- Rank by growth among US county-equivalents1308th of 3,144
The county has grown 1.57 percent 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.
Catoosa County
Where are people moving to Catoosa County from?
- Tax returns filed by households arriving2,243
- People arriving, from those returns4,263
- Tax returns filed by households leaving2,110
- Net household movement133
- Adjusted gross income arriving$118.8 m
- Net adjusted gross income movement$11.9 m
- Average income of an arriving household$52,974
- Average income of a leaving household$50,665
- Largest single originHamilton County (735 households)
- Largest single destinationHamilton County (605 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Hamilton County | 735 | 1,406 | $39.9 m |
| Walker County | 436 | 868 | $18.1 m |
| Whitfield County | 182 | 346 | $10.2 m |
| Bradley County | 52 | 112 | $2.7 m |
| Murray County | 28 | 58 | $1.0 m |
| Dade County | 27 | 41 | $1.2 m |
| Cobb County | 25 | 35 | $1.6 m |
| Gordon County | 24 | 46 | $1.2 m |
Households arriving report $2,309 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 Hamilton 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.
Catoosa County
What is the Catoosa County economy?
- County GDP, 2024$2.27 bn
- County GDP, 2023$2.27 bn
- GDP change, 2023 to 2024-0.1 percent
- GDP change over five years36.0 percent
- Rank by GDP among the Georgia areas BEA publishes47th of 159
- Rank by GDP among the US county areas BEA publishes1179th of 3,127
- GDP per resident$33,055
Output grew -0.1 percent in the latest year and 36.0 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.
Catoosa County
Employment by industry in Catoosa County
- Covered employment, annual average16,284
- Establishments reporting1,230
- Average annual pay$44,946
- Average weekly wage$864
- Retail trade, employment3,511
- Retail trade, average annual pay$36,300
- Accommodation and food services, employment2,335
- Accommodation and food services, average annual pay$21,049
- Manufacturing, employment1,846
- Manufacturing, average annual pay$56,607
- Other services, except public administration, employment683
- Other services, except public administration, average annual pay$61,122
- Finance and insurance, employment440
- Administrative and support and waste management services, employment375
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 3,511 | 202 | $36,300 |
| Accommodation and food services | 2,335 | 129 | $21,049 |
| Manufacturing | 1,846 | 68 | $56,607 |
| Other services, except public administration | 683 | 90 | $61,122 |
| Finance and insurance | 440 | 62 | $55,958 |
| Administrative and support and waste management services | 375 | 54 | $52,716 |
| Arts, entertainment and recreation | 255 | 20 | $17,857 |
| Real estate and rental and leasing | 211 | 57 | $52,620 |
Retail trade is the largest private sector at 3,511 jobs, 21.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Catoosa County
How many businesses are in Catoosa County?
- Establishments, all industries1,044
- Employment at those establishments13,316
- Annual payroll$539.9 m
- Establishments per 1,000 residents15.2
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.
Catoosa County
Building permits in Catoosa County
- Housing units authorized by permit, 2024848
- Declared construction value permitted$112.8 m
- Single family units authorized485
- Multifamily units authorized363
- Multifamily share of units42.8 percent
- Average declared value per unit$132,978
- Units authorized per 1,000 households31.8
Multifamily is 42.8 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Catoosa County
SBA loans in Catoosa County (7(a) and 504)
- 7(a) approvals recorded35
- 7(a) gross approval dollars$34.7 m
- Average 7(a) approval$990,677
- Median 7(a) approval$534,600
- 10th percentile approval$37,880
- 90th percentile approval$3,063,700
- Largest single approval$3,786,000
- Jobs reported supported, 7(a)616
- Jobs per approval17.6
- Distinct 7(a) lenders active21
- Distinct industries receiving approvals26
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer40.0 percent
- Loans on real estate terms14
- Loans on working capital terms, 120 months or shorter19
- Franchise loans8
- Franchise share of approvals22.9 percent
- Leading industry by approval countFull-Service Restaurants (4)
- Most active lenderBuiltwell Bank (5)
- 504 approvals recorded8
- 504 gross approval dollars$7.2 m
- Average 504 approval$906,125
- Median 504 approval$516,500
- Distinct CDCs active4
- 504 jobs per approval11.6
- 504 jobs per million dollars approved12.8
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$41.9 m
The average approval of $990,677 sits well above the median of $534,600, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. 40.0 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.
Catoosa County
SBA loan default and charge-off rates in Catoosa County
Do SBA loans in Catoosa County get paid back?
- Loans with a final outcome recorded7
- Paid in full7
- Charged off0
- Status: Paid in full7
- Status: Exempt from disclosure21
- Status: Cancelled5
- Status: Committed, not yet disbursed2
Only 7 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.
Catoosa County
SBA lending by place in Catoosa County
- Borrower cities with recorded lending4
- Ringgold, approvals26
- Fort Oglethorpe, approvals5
- Rossville, approvals3
- Chattanooga, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Ringgold | 26 | $23,788,300 |
| Fort Oglethorpe | 5 | $7,311,400 |
| Rossville | 3 | $3,146,000 |
| Chattanooga | 1 | $428,000 |
Ringgold accounts for 26 approvals against 5 in Fort Oglethorpe. 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.
Catoosa County
How large is Catoosa County?
- Land area162 sq mi
- Rank by land area among Georgia counties152nd of 159
- Width, east to west16.2 mi
- Height, north to south15.2 mi
- Geographies sharing a boundary3
- Residents per square mile of land424
- Establishments per square mile6.44
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.
Catoosa County
Flood risk in Catoosa County
- Participation of the county's own NFIP community Catoosa County, unincorporated areasParticipating, community 130028
- Community Rating System class of the county's own communityClass 8
- Communities in the county in the NFIP Community Status Book3
- Of those, participating in the NFIP3
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 8
- Communities carrying a CRS class1
- Radon levels in Catoosa County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The county's own community in the status book, unincorporated Catoosa County (community 130028), participates in the National Flood Insurance Program and carries Community Rating System class 8, a flood insurance premium discount for policies written there. The EPA places Catoosa County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. The best Community Rating System class among the county's communities is 8, which carries a flood insurance premium discount for policies written in that community. 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 Catoosa 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 Catoosa County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202468,634
- Households26,653
- Average household size2.58
- Median household income$74,639
- Median age40.8
Common questions
Catoosa County questions, answered from the record.
How many people live in Catoosa County, Georgia?
The Census Bureau estimates 68,940 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 68,634, in 26,653 households, ranking 38th of 159 Georgia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Catoosa County's population growing?
The population has grown 1.57 percent since the 2020 census base of 67,873, to 68,940 on July 1, 2024. In 2024 there were 355 births against 794 deaths, with net migration of 441. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Catoosa County?
$74,639. The median owner-occupied home is valued at $240,900, which is 3.2 times income, and median gross rent is $993 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Catoosa County?
1,044 establishments, employing 13,316 people with an annual payroll of $539.9 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 Catoosa County?
Retail trade is the largest private sector at 3,511 jobs, 21.6 percent of covered employment. Covered employment averages 16,284 jobs at an average annual pay of $44,946, or $864 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Catoosa County?
35 7(a) approvals totaling $34.7 m since FY2020, across 21 lenders, with a median approval of $534,600, plus 8 504 approvals worth $7.2 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Catoosa County?
848 housing units were authorized by permit in 2024, with a declared construction value of $112.8 m. Multifamily was 42.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Catoosa 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 Catoosa County come from?
The largest single origin is Hamilton County, with 735 households. Arriving households report an average income of $52,974 against $50,665 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Catoosa 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 Catoosa 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.
Catoosa County
Cities and places in Catoosa.
4 Census places lie wholly or partly in Catoosa County. All 4 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 |
|---|---|---|---|---|
| Fort Oglethorpe | city | 10,416 | 5 | 81.4 percent here, 18.6 percent Walker County |
| Lakeview | CDP | 4,723 | None recorded | 81.9 percent here, 18.1 percent Walker County |
| Ringgold | city | 3,435 | 26 | Wholly in this county |
| Indian Springs | CDP | 2,070 | None recorded | Wholly in this county |
A further 4 of the county's 35 SBA 7(a) approvals are to borrowers in cities that match no Census place in Catoosa County, the largest being Rossville (3), Chattanooga (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby