Elbert County, Georgia: commercial real estate data.
Elbert County, Georgia had an estimated 20,152 residents on July 1, 2024, up 2.6 percent since the 2020 census base of 19,634, across 351 square miles. County output reached $998.2 m in 2024, 448 establishments operate here, and the SBA record carries 24 7(a) approvals worth $26.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Elbert County
How many people live in Elbert County
- Population, American Community Survey 2020-202419,849
- Households8,376
- Average household size2.37
- Median household income$58,450
- Median age43.2
- Median gross rent$844 per month
- Median owner-occupied home value$142,000
- Home value to household income2.4 times
- Annual rent as a share of median income17.3 percent
- Adults 25 and over with a bachelor degree or higher16.3 percent
- Adults 25 and over with a graduate degree6.1 percent
- Adults 25 and over14,154
- Population under 184,380
- Share under 1822.1 percent
- Population 65 and over4,201
- Share 65 and over21.2 percent
- Working age population, 18 to 6411,268
- Civilian labor force9,449
- Unemployment rate4.6 percent
- Labor force participation, adults 18 and over61.1 percent
- Rank by population among Georgia counties91st of 159
- Rank by population among US county-equivalents, Puerto Rico included1894th of 3,222
Elbert County is the 91st largest of 159 Georgia counties by population. A median home costs 2.4 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 22.1 percent against 21.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Elbert County
Is Elbert County's population growing?
- Population, July 1, 202420,152
- Census 2020 base population19,634
- Population change since the 2020 census base2.64 percent
- Population change, 2023 to 2024149
- Births, 2024249
- Deaths, 2024300
- Natural change, 2024-51
- Net domestic migration, 2024193
- Net international migration, 202410
- Total net migration, 2024203
- Cumulative net domestic migration, 2021 to 2024847
- Rank by growth among US county-equivalents965th of 3,144
The county has grown 2.64 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.
Elbert County
Where are people moving to Elbert County from?
- Tax returns filed by households arriving557
- People arriving, from those returns1,119
- Tax returns filed by households leaving378
- Net household movement179
- Adjusted gross income arriving$24.4 m
- Net adjusted gross income movement$8.2 m
- Average income of an arriving household$43,804
- Average income of a leaving household$42,807
- Largest single originHart County (61 households)
- Largest single destinationHart County (58 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Hart County | 61 | 131 | $1.9 m |
| Clarke County | 60 | 109 | $1.8 m |
| Madison County | 51 | 114 | $2.2 m |
| Franklin County | 30 | 65 | $1.0 m |
| Gwinnett County | 22 | 47 | $1.6 m |
| Jackson County | 22 | 38 | $1.4 m |
Households arriving report $997 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 Hart 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.
Elbert County
What is the Elbert County economy?
- County GDP, 2024$998.2 m
- County GDP, 2023$886.7 m
- GDP change, 2023 to 202412.6 percent
- GDP change over five years45.2 percent
- Rank by GDP among the Georgia areas BEA publishes81st of 159
- Rank by GDP among the US county areas BEA publishes1843rd of 3,127
- GDP per resident$50,291
Output grew 12.6 percent in the latest year and 45.2 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.
Elbert County
Employment by industry in Elbert County
- Covered employment, annual average6,086
- Establishments reporting546
- Average annual pay$45,565
- Average weekly wage$876
- Manufacturing, employment1,667
- Manufacturing, average annual pay$48,627
- Wholesale trade, employment663
- Wholesale trade, average annual pay$58,658
- Retail trade, employment623
- Retail trade, average annual pay$27,389
- Accommodation and food services, employment316
- Accommodation and food services, average annual pay$18,573
- Construction, employment155
- Administrative and support and waste management services, employment148
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 1,667 | 83 | $48,627 |
| Wholesale trade | 663 | 54 | $58,658 |
| Retail trade | 623 | 74 | $27,389 |
| Accommodation and food services | 316 | 26 | $18,573 |
| Construction | 155 | 44 | $45,974 |
| Administrative and support and waste management services | 148 | 25 | $26,146 |
| Mining, quarrying, and oil and gas extraction | 115 | 7 | $57,084 |
| Other services, except public administration | 89 | 30 | $35,669 |
Manufacturing is the largest private sector at 1,667 jobs, 27.4 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Elbert County
How many businesses are in Elbert County?
- Establishments, all industries448
- Employment at those establishments4,908
- Annual payroll$200.0 m
- Establishments per 1,000 residents22.6
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.
Elbert County
Building permits in Elbert County
- Housing units authorized by permit, 2024218
- Declared construction value permitted$18.9 m
- Single family units authorized208
- Multifamily units authorized10
- Multifamily share of units4.6 percent
- Average declared value per unit$86,785
- Units authorized per 1,000 households26.0
Single-family homes are 95.4 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Elbert County
SBA loans in Elbert County (7(a) and 504)
- 7(a) approvals recorded24
- 7(a) gross approval dollars$26.2 m
- Average 7(a) approval$1,090,488
- Median 7(a) approval$942,500
- 10th percentile approval$97,500
- 90th percentile approval$2,097,000
- Largest single approval$4,658,000
- Jobs reported supported, 7(a)173
- Jobs per approval7.2
- Distinct 7(a) lenders active17
- Distinct industries receiving approvals17
- Median 7(a) term240 months
- Share of loans on real estate terms, 240 months or longer58.3 percent
- Loans on real estate terms14
- Loans on working capital terms, 120 months or shorter9
- Franchise loans4
- Franchise share of approvals16.7 percent
- Leading industry by approval countBroilers and Other Meat Type Chicken Production (3)
- Most active lenderMetro City Bank (5)
- 504 approvals recorded2
- 504 gross approval dollars$902,000
- Average 504 approval$451,000
- Median 504 approval$451,000
- Distinct CDCs active1
- 504 jobs per approval8.5
- 504 jobs per million dollars approved18.8
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$27.1 m
The average approval of $1,090,488 sits above the median of $942,500; the median is the better guide to what a typical borrower here gets. 58.3 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.
Elbert County
SBA loan default and charge-off rates in Elbert County
Do SBA loans in Elbert County get paid back?
- Loans with a final outcome recorded4
- Paid in full4
- Charged off0
- Status: Cancelled5
- Status: Exempt from disclosure15
- Status: Paid in full4
Only 4 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.
Elbert County
SBA lending by place in Elbert County
- Borrower cities with recorded lending3
- Elberton, approvals19
- Dewy Rose, approvals4
- Bowman, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Elberton | 19 | $16,726,700 |
| Dewy Rose | 4 | $7,230,000 |
| Bowman | 1 | $2,215,000 |
Elberton accounts for 19 approvals against 4 in Dewy Rose. 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.
Elbert County
How large is Elbert County?
- Land area351 sq mi
- Rank by land area among Georgia counties75th of 159
- Width, east to west30.8 mi
- Height, north to south23.3 mi
- Geographies sharing a boundary8
- Residents per square mile of land57
- Establishments per square mile1.28
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.
Elbert County
Flood risk in Elbert County
- Participation of the county's own NFIP community Elbert County, unincorporated areasParticipating, community 135264
- Communities in the county in the NFIP Community Status Book3
- Of those, participating in the NFIP2
- NFIP participation rate66.7 percent
- Communities carrying a CRS class0
- Radon levels in Elbert 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 Elbert County (community 135264), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Elbert 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. 66.7 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 Elbert 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 Elbert County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202419,849
- Households8,376
- Average household size2.37
- Median household income$58,450
- Median age43.2
Common questions
Elbert County questions, answered from the record.
How many people live in Elbert County, Georgia?
The Census Bureau estimates 20,152 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 19,849, in 8,376 households, ranking 91st of 159 Georgia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Elbert County's population growing?
The population has grown 2.64 percent since the 2020 census base of 19,634, to 20,152 on July 1, 2024. In 2024 there were 249 births against 300 deaths, with net migration of 203. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Elbert County?
$58,450. The median owner-occupied home is valued at $142,000, which is 2.4 times income, and median gross rent is $844 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Elbert County?
448 establishments, employing 4,908 people with an annual payroll of $200.0 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 Elbert County?
Manufacturing is the largest private sector at 1,667 jobs, 27.4 percent of covered employment. Covered employment averages 6,086 jobs at an average annual pay of $45,565, or $876 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Elbert County?
24 7(a) approvals totaling $26.2 m since FY2020, across 17 lenders, with a median approval of $942,500, plus 2 504 approvals worth $902,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Elbert County?
218 housing units were authorized by permit in 2024, with a declared construction value of $18.9 m. Multifamily was 4.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Elbert 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 Elbert County come from?
The largest single origin is Hart County, with 61 households. Arriving households report an average income of $43,804 against $42,807 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Elbert 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 Elbert 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.
Elbert County
Cities and places in Elbert.
3 Census places lie wholly or partly in Elbert County. All 3 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 |
|---|---|---|---|---|
| Elberton | city | 4,720 | 19 | Wholly in this county |
| Bowman | city | 804 | 1 | Wholly in this county |
| Dewy Rose | CDP | 131 | 4 | Wholly in this county |