Grady County, Georgia: commercial real estate data.
Grady County, Georgia had an estimated 26,271 residents on July 1, 2024, up 0.1 percent since the 2020 census base of 26,238, across 455 square miles. County output reached $873.9 m in 2024, 451 establishments operate here, and the SBA record carries 8 7(a) approvals worth $12.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Grady County
How many people live in Grady County
- Population, American Community Survey 2020-202426,108
- Households10,108
- Average household size2.58
- Median household income$58,980
- Median age39.4
- Median gross rent$779 per month
- Median owner-occupied home value$152,400
- Home value to household income2.6 times
- Annual rent as a share of median income15.8 percent
- Adults 25 and over with a bachelor degree or higher16.4 percent
- Adults 25 and over with a graduate degree6.8 percent
- Adults 25 and over17,678
- Population under 186,432
- Share under 1824.6 percent
- Population 65 and over4,949
- Share 65 and over19.0 percent
- Working age population, 18 to 6414,727
- Civilian labor force11,610
- Unemployment rate3.7 percent
- Labor force participation, adults 18 and over59.0 percent
- Rank by population among Georgia counties75th of 159
- Rank by population among US county-equivalents, Puerto Rico included1610th of 3,222
Grady County is the 75th largest of 159 Georgia counties by population. A median home costs 2.6 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 24.6 percent against 19.0 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Grady County
Is Grady County's population growing?
- Population, July 1, 202426,271
- Census 2020 base population26,238
- Population change since the 2020 census base0.13 percent
- Population change, 2023 to 2024141
- Births, 2024295
- Deaths, 2024324
- Natural change, 2024-29
- Net domestic migration, 2024134
- Net international migration, 202440
- Total net migration, 2024174
- Cumulative net domestic migration, 2021 to 202485
- Rank by growth among US county-equivalents1779th of 3,144
The county has grown 0.13 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.
Grady County
Where are people moving to Grady County from?
- Tax returns filed by households arriving512
- People arriving, from those returns1,030
- Tax returns filed by households leaving488
- Net household movement24
- Adjusted gross income arriving$22.8 m
- Net adjusted gross income movement$-6.8 m
- Average income of an arriving household$44,607
- Average income of a leaving household$60,715
- Largest single originThomas County (150 households)
- Largest single destinationThomas County (135 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Thomas County | 150 | 316 | $6.0 m |
| Decatur County | 44 | 95 | $1.9 m |
| Leon County | 40 | 65 | $1.8 m |
| Mitchell County | 35 | 86 | $1.0 m |
Households arriving report $16,108 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Thomas 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.
Grady County
What is the Grady County economy?
- County GDP, 2024$873.9 m
- County GDP, 2023$849.0 m
- GDP change, 2023 to 20242.9 percent
- GDP change over five years27.6 percent
- Rank by GDP among the Georgia areas BEA publishes89th of 159
- Rank by GDP among the US county areas BEA publishes1955th of 3,127
- GDP per resident$33,471
Output grew 2.9 percent in the latest year and 27.6 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.
Grady County
Employment by industry in Grady County
- Covered employment, annual average5,899
- Establishments reporting575
- Average annual pay$45,151
- Average weekly wage$868
- Manufacturing, employment945
- Manufacturing, average annual pay$46,828
- Retail trade, employment730
- Retail trade, average annual pay$33,639
- Accommodation and food services, employment467
- Accommodation and food services, average annual pay$15,757
- Agriculture, forestry, fishing and hunting, employment444
- Agriculture, forestry, fishing and hunting, average annual pay$39,744
- Construction, employment267
- Other services, except public administration, employment159
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 945 | 24 | $46,828 |
| Retail trade | 730 | 88 | $33,639 |
| Accommodation and food services | 467 | 36 | $15,757 |
| Agriculture, forestry, fishing and hunting | 444 | 33 | $39,744 |
| Construction | 267 | 67 | $53,605 |
| Other services, except public administration | 159 | 46 | $39,036 |
| Finance and insurance | 133 | 30 | $63,177 |
| Administrative and support and waste management services | 133 | 28 | $32,216 |
Manufacturing is the largest private sector at 945 jobs, 16.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Grady County
How many businesses are in Grady County?
- Establishments, all industries451
- Employment at those establishments4,786
- Annual payroll$204.8 m
- Establishments per 1,000 residents17.3
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.
Grady County
Building permits in Grady County
- Housing units authorized by permit, 202458
- Declared construction value permitted$15.0 m
- Single family units authorized58
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$259,263
- Units authorized per 1,000 households5.7
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Grady County
SBA loans in Grady County (7(a) and 504)
- 7(a) approvals recorded8
- 7(a) gross approval dollars$12.1 m
- Average 7(a) approval$1,515,425
- Median 7(a) approval$820,700
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)59
- Jobs per approval7.4
- Distinct 7(a) lenders active6
- Distinct industries receiving approvals7
- Median 7(a) term132 months
- Share of loans on real estate terms, 240 months or longer37.5 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter4
- Franchise loans2
- Franchise share of approvals25.0 percent
- Most active lenderNortheast Bank (3)
- 504 approvals recorded5
- 504 gross approval dollars$2.8 m
- Average 504 approval$560,000
- Median 504 approval$461,000
- Distinct CDCs active3
- 504 jobs per approval8.0
- 504 jobs per million dollars approved14.3
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$14.9 m
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.
Grady County
SBA loan default and charge-off rates in Grady County
Do SBA loans in Grady County get paid back?
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Exempt from disclosure6
- Status: Cancelled1
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.
Grady County
How large is Grady County?
- Land area455 sq mi
- Rank by land area among Georgia counties37th of 159
- Width, east to west18 mi
- Height, north to south27.8 mi
- Geographies sharing a boundary5
- Residents per square mile of land57
- Establishments per square mile0.99
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.
Grady County
Flood risk in Grady County
- Participation of the county's own NFIP community Grady County, unincorporated areasParticipating, community 130096
- Communities in the county in the NFIP Community Status Book3
- Of those, participating in the NFIP3
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Grady County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The county's own community in the status book, unincorporated Grady County (community 130096), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Grady County in radon zone 3, a predicted average indoor radon screening level less than 2 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 Grady 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 Grady County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202426,108
- Households10,108
- Average household size2.58
- Median household income$58,980
- Median age39.4
Common questions
Grady County questions, answered from the record.
How many people live in Grady County, Georgia?
The Census Bureau estimates 26,271 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 26,108, in 10,108 households, ranking 75th of 159 Georgia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Grady County's population growing?
The population has grown 0.13 percent since the 2020 census base of 26,238, to 26,271 on July 1, 2024. In 2024 there were 295 births against 324 deaths, with net migration of 174. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Grady County?
$58,980. The median owner-occupied home is valued at $152,400, which is 2.6 times income, and median gross rent is $779 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Grady County?
451 establishments, employing 4,786 people with an annual payroll of $204.8 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 Grady County?
Manufacturing is the largest private sector at 945 jobs, 16.0 percent of covered employment. Covered employment averages 5,899 jobs at an average annual pay of $45,151, or $868 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Grady County?
8 7(a) approvals totaling $12.1 m since FY2020, across 6 lenders, with a median approval of $820,700, plus 5 504 approvals worth $2.8 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Grady County?
58 housing units were authorized by permit in 2024, with a declared construction value of $15.0 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Grady County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Grady County come from?
The largest single origin is Thomas County, with 150 households. Arriving households report an average income of $44,607 against $60,715 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Grady 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 Grady 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.
Grady County
Cities and places in Grady.
3 Census places lie wholly or partly in Grady 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 |
|---|---|---|---|---|
| Cairo | city | 10,055 | 8 | Wholly in this county |
| Whigham | city | 449 | None recorded | Wholly in this county |
| Calvary | CDP | 205 | None recorded | Wholly in this county |
Nearby