Fannin County, Georgia: commercial real estate data.
Fannin County, Georgia had an estimated 25,854 residents on July 1, 2024, up 2.1 percent since the 2020 census base of 25,320, across 387 square miles. County output reached $1.30 bn in 2024, 740 establishments operate here, and the SBA record carries 28 7(a) approvals worth $18.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Fannin County
How many people live in Fannin County
- Population, American Community Survey 2020-202425,742
- Households11,890
- Average household size2.17
- Median household income$57,073
- Median age54.0
- Median gross rent$900 per month
- Median owner-occupied home value$306,600
- Home value to household income5.4 times
- Annual rent as a share of median income18.9 percent
- Adults 25 and over with a bachelor degree or higher24.2 percent
- Adults 25 and over with a graduate degree9.8 percent
- Adults 25 and over20,072
- Population under 183,989
- Share under 1815.5 percent
- Population 65 and over7,965
- Share 65 and over30.9 percent
- Working age population, 18 to 6413,788
- Civilian labor force11,250
- Unemployment rate3.7 percent
- Labor force participation, adults 18 and over51.7 percent
- Rank by population among Georgia counties76th of 159
- Rank by population among US county-equivalents, Puerto Rico included1626th of 3,222
Fannin County is the 76th largest of 159 Georgia counties by population. A median home costs 5.4 times median household income, which is severely unaffordable by national standards. Residents 65 and over outnumber those under 18, at 30.9 percent against 15.5 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Fannin County
Is Fannin County's population growing?
- Population, July 1, 202425,854
- Census 2020 base population25,320
- Population change since the 2020 census base2.11 percent
- Population change, 2023 to 2024-62
- Births, 2024184
- Deaths, 2024462
- Natural change, 2024-278
- Net domestic migration, 2024222
- Net international migration, 2024-4
- Total net migration, 2024218
- Cumulative net domestic migration, 2021 to 20241,554
- Rank by growth among US county-equivalents1145th of 3,144
The county has grown 2.11 percent since the 2020 census base. Deaths exceeded births in 2024 by more than net migration added, so the population fell even though more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Fannin County
Where are people moving to Fannin County from?
- Tax returns filed by households arriving875
- People arriving, from those returns1,572
- Tax returns filed by households leaving686
- Net household movement189
- Adjusted gross income arriving$88.7 m
- Net adjusted gross income movement$36.0 m
- Average income of an arriving household$101,390
- Average income of a leaving household$76,879
- Largest single originGilmer County (69 households)
- Largest single destinationUnion County (57 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Gilmer County | 69 | 121 | $6.4 m |
| Union County | 58 | 117 | $2.3 m |
| Fulton County | 41 | 64 | $9.7 m |
| Cherokee County | 32 | 56 | $2.9 m |
| Cobb County | 31 | 60 | $4.7 m |
| Polk County | 30 | 58 | $1.5 m |
| Forsyth County | 26 | 48 | $5.2 m |
| Broward County | 22 | 42 | $2.6 m |
Households arriving report $24,511 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 Gilmer 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.
Fannin County
What is the Fannin County economy?
- County GDP, 2024$1.30 bn
- County GDP, 2023$1.17 bn
- GDP change, 2023 to 202411.4 percent
- GDP change over five years62.8 percent
- Rank by GDP among the Georgia areas BEA publishes72nd of 159
- Rank by GDP among the US county areas BEA publishes1631st of 3,127
- GDP per resident$50,442
Output grew 11.4 percent in the latest year and 62.8 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.
Fannin County
Employment by industry in Fannin County
- Covered employment, annual average7,441
- Establishments reporting828
- Average annual pay$44,667
- Average weekly wage$859
- Retail trade, employment1,485
- Retail trade, average annual pay$34,377
- Accommodation and food services, employment1,399
- Accommodation and food services, average annual pay$30,582
- Health care and social assistance, employment916
- Health care and social assistance, average annual pay$51,712
- Construction, employment401
- Construction, average annual pay$78,909
- Wholesale trade, employment316
- Administrative and support and waste management services, employment277
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 1,485 | 138 | $34,377 |
| Accommodation and food services | 1,399 | 108 | $30,582 |
| Health care and social assistance | 916 | 71 | $51,712 |
| Construction | 401 | 85 | $78,909 |
| Wholesale trade | 316 | 23 | $57,060 |
| Administrative and support and waste management services | 277 | 47 | $51,305 |
| Other services, except public administration | 254 | 47 | $47,342 |
| Arts, entertainment and recreation | 240 | 20 | $31,876 |
Retail trade is the largest private sector at 1,485 jobs, 20.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Fannin County
How many businesses are in Fannin County?
- Establishments, all industries740
- Employment at those establishments6,371
- Annual payroll$251.4 m
- Establishments per 1,000 residents28.7
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.
Fannin County
Building permits in Fannin County
- Housing units authorized by permit, 2024390
- Declared construction value permitted$115.5 m
- Single family units authorized376
- Multifamily units authorized14
- Multifamily share of units3.6 percent
- Average declared value per unit$296,218
- Units authorized per 1,000 households32.8
Single-family homes are 96.4 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Fannin County
SBA loans in Fannin County (7(a) and 504)
- 7(a) approvals recorded28
- 7(a) gross approval dollars$18.1 m
- Average 7(a) approval$647,182
- Median 7(a) approval$392,500
- 10th percentile approval$69,040
- 90th percentile approval$1,573,350
- Largest single approval$1,980,000
- Jobs reported supported, 7(a)380
- Jobs per approval13.6
- Distinct 7(a) lenders active15
- Distinct industries receiving approvals22
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer17.9 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter21
- Franchise loans2
- Franchise share of approvals7.1 percent
- Leading industry by approval countFull-Service Restaurants (5)
- Most active lenderUnited Community Bank (6)
- 504 approvals recorded4
- 504 gross approval dollars$3.6 m
- Average 504 approval$897,750
- Median 504 approval$689,500
- Distinct CDCs active2
- 504 jobs per approval13.0
- 504 jobs per million dollars approved14.5
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$21.7 m
The average approval of $647,182 sits well above the median of $392,500, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 17.9 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
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.
Fannin County
SBA loan default and charge-off rates in Fannin County
Do SBA loans in Fannin County get paid back?
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Exempt from disclosure15
- Status: Paid in full1
- Status: Cancelled9
- Status: Committed, not yet disbursed3
Only 1 loan has 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.
Fannin County
SBA lending by place in Fannin County
- Borrower cities with recorded lending5
- Blue Ridge, approvals18
- McCaysville, approvals4
- Morganton, approvals3
- Mineral Bluff, approvals2
- Kingston, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Blue Ridge | 18 | $11,261,100 |
| McCaysville | 4 | $1,979,500 |
| Morganton | 3 | $2,135,000 |
| Mineral Bluff | 2 | $1,789,500 |
| Kingston | 1 | $956,000 |
Blue Ridge accounts for 18 approvals against 4 in McCaysville. 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.
Fannin County
How large is Fannin County?
- Land area387 sq mi
- Rank by land area among Georgia counties62nd of 159
- Width, east to west30 mi
- Height, north to south26.6 mi
- Geographies sharing a boundary7
- Residents per square mile of land67
- Establishments per square mile1.91
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.
Fannin County
Flood risk in Fannin County
- Participation of the county's own NFIP community Fannin County, unincorporated areasParticipating, community 130249
- Communities in the county in the NFIP Community Status Book4
- Of those, participating in the NFIP4
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Fannin 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 Fannin County (community 130249), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Fannin 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. 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 Fannin 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 Fannin County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202425,742
- Households11,890
- Average household size2.17
- Median household income$57,073
- Median age54.0
Common questions
Fannin County questions, answered from the record.
How many people live in Fannin County, Georgia?
The Census Bureau estimates 25,854 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 25,742, in 11,890 households, ranking 76th of 159 Georgia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Fannin County's population growing?
The population has grown 2.11 percent since the 2020 census base of 25,320, to 25,854 on July 1, 2024. In 2024 there were 184 births against 462 deaths, with net migration of 218. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Fannin County?
$57,073. The median owner-occupied home is valued at $306,600, which is 5.4 times income, and median gross rent is $900 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Fannin County?
740 establishments, employing 6,371 people with an annual payroll of $251.4 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 Fannin County?
Retail trade is the largest private sector at 1,485 jobs, 20.0 percent of covered employment. Covered employment averages 7,441 jobs at an average annual pay of $44,667, or $859 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Fannin County?
28 7(a) approvals totaling $18.1 m since FY2020, across 15 lenders, with a median approval of $392,500, plus 4 504 approvals worth $3.6 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Fannin County?
390 housing units were authorized by permit in 2024, with a declared construction value of $115.5 m. Multifamily was 3.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Fannin 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 Fannin County come from?
The largest single origin is Gilmer County, with 69 households. Arriving households report an average income of $101,390 against $76,879 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Fannin 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 Fannin 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.
Fannin County
Cities and places in Fannin.
5 Census places lie wholly or partly in Fannin County. All 5 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 |
|---|---|---|---|---|
| Epworth | CDP | 1,994 | None recorded | Wholly in this county |
| McCaysville | city | 1,392 | 4 | Wholly in this county |
| Blue Ridge | city | 1,323 | 18 | Wholly in this county |
| Mineral Bluff | CDP | 294 | 2 | Wholly in this county |
| Morganton | city | 241 | 3 | Wholly in this county |
A further 1 of the county's 28 SBA 7(a) approvals are to borrowers in cities that match no Census place in Fannin County, the largest being Kingston (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.