HomeGeorgiaClay CountyFort Gaines city
Fort Gaines city, Georgia: commercial real estate data.
Fort Gaines city is a Census city of 1,248 people across 4.78 square miles of land, in Clay County. Median household income is $38,071, 48.5 percent of occupied homes are owned, and the SBA record carries 1 7(a) approvals to borrowers here worth $645,000.
70 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Fort Gaines
What Fort Gaines is
- Census place typecity
- Land area4.78 sq mi
- Water area2.93 sq mi
- Population per square mile of land261
- County holding the largest share of its areaClay County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fort Gaines
How many people live in Fort Gaines
- Population1,248
- Median age32.5
- Population under 18335 plus or minus 119
- Share under 1826.8 percent plus or minus 8.1
- Population 65 and over212 plus or minus 80
- Share 65 and over17.0 percent plus or minus 5.6
- Households452 plus or minus 115
- Family households248 plus or minus 71
- Share of households that are families54.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fort Gaines
Income and work in Fort Gaines
- Median household income$38,071 plus or minus $12,074
- Per capita income$20,664 plus or minus $5,013
- Civilian labor force552 plus or minus 144
- Employed498 plus or minus 139
- Unemployed54 plus or minus 58
- Unemployment rate9.8 percent plus or minus 10.2
- Adults 25 and over710 plus or minus 157
- Adults 25 and over with a high school diploma or higher87.2 percent
- Adults 25 and over with a bachelor degree or higher10.6 percent plus or minus 5.5
- Adults 25 and over with a graduate degree5.1 percent plus or minus 3.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fort Gaines
Housing in Fort Gaines
- Housing units612 plus or minus 129
- Occupied units452 plus or minus 115
- Vacant units160 plus or minus 68
- Vacancy rate26.1 percent plus or minus 9.6
- Owner occupied219 plus or minus 72
- Renter occupied233 plus or minus 90
- Ownership rate48.5 percent plus or minus 10.1
- Median owner-occupied home value$90,500 plus or minus $40,512
- Median gross rent, monthly$525 plus or minus $243
- Annual rent as a share of median income16.5 percent plus or minus 9.3
- Single family units345 plus or minus 97
- Share single family56.4 percent
- Units in buildings of two or more132 plus or minus 74
- Share in buildings of two or more21.6 percent plus or minus 11.1
- Mobile homes135 plus or minus 53
- Median year structure built1965
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fort Gaines
How Fort Gaines gets to work
- Workers 16 and over who commute479 plus or minus 138
- Commuting under 15 minutes196 plus or minus 95
- Share commuting under 15 minutes40.9 percent plus or minus 16.1
- Commuting 30 minutes or more208 plus or minus 94
- Share commuting 30 minutes or more43.4 percent plus or minus 15.1
- Drove alone80.2 percent
- Carpooled10.1 percent plus or minus 8.6
- Public transport0.0 percent
- Walked1.2 percent plus or minus 3.2
- Worked from home3.4 percent plus or minus 4.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fort Gaines
SBA loans in Fort Gaines (7(a))
- Approvals1
- Gross approval$645,000
- Average approval$645,000
- Median approval$645,000
- Ninetieth percentile approval$645,000
- Largest approval$645,000
- Jobs supported3
- Jobs per approval3.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term300 months
- Share on real estate terms of 20 years or more100.0 percent
- Share to franchises100.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
A charge-off rate is not published here. only 0 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Fort Gaines
Flood risk in Fort Gaines
- Listed NFIP communities1
- Of those, participating1
- NFIP community number130550
- Currently effective map date09/03/10(M)
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Clay County, not Fort Gaines
Clay County context, not Fort Gaines figures
These are Clay County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Fort Gaines measurements.
- Establishments in Clay County50
- Employment at those establishments, Clay County305
- Covered employment, Clay County589
- Average annual pay, Clay County$38,988
- Average weekly wage, Clay County$750
- Housing units permitted, Clay County6
- Of those, single family, Clay County6
- County product, 2024, Clay County$74,287,000
- County product change over the prior year, Clay County-32.5 percent
- Average income of an arriving household, Clay County$45,769
Every figure in this section is published for Clay County as a whole and is not a measurement of Fort Gaines. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
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.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Fort Gaines questions, answered from the record.
How many people live in Fort Gaines, Georgia?
1,248, in 452 households. Fort Gaines city covers 4.78 square miles of land, which is 261 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Fort Gaines in?
Clay County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Fort Gaines?
$38,071. The median owner-occupied home is valued at $90,500. Median gross rent is $525 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Fort Gaines businesses?
1 7(a) approvals totalling $645,000, across 1 lenders, median approval $645,000. These count approvals to borrowers whose address is in Fort Gaines, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Fort Gaines borrowers get paid back?
No rate is published for Fort Gaines. only 0 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Fort Gaines in the National Flood Insurance Program?
Yes. Fort Gaines appears in the FEMA Community Status Book as community 130550, 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 Fort Gaines figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Clay 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 Fort Gaines.
Is zoning published for Fort Gaines?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.