HomeGeorgiaHabersham CountyBaldwin city
Baldwin city, Georgia: commercial real estate data.
Baldwin city is a Census city of 4,000 people across 5.59 square miles of land, lying across Habersham County and Banks County. Median household income is $59,242, 60.3 percent of occupied homes are owned, and the SBA record carries 6 7(a) approvals to borrowers here worth $6.1 m.
81 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Baldwin
What Baldwin is
- Census place typecity
- Land area5.59 sq mi
- Water area0.01 sq mi
- Population per square mile of land716
- County holding the largest share of its areaHabersham County, 62.3 percent
- Counties this place lies inHabersham County 62.3 percent, Banks County 37.7 percent
Baldwin city crosses a county line. The split above is measured from the Census boundary of the place against the county boundaries, by area, so it says where the ground is and not where the town hall is.
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Baldwin
How many people live in Baldwin
- Population4,000
- Median age33.5
- Population under 181,147 plus or minus 246
- Share under 1828.7 percent plus or minus 5.8
- Population 65 and over487 plus or minus 134
- Share 65 and over12.2 percent plus or minus 3.2
- Households1,246
- Family households952
- Share of households that are families76.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Baldwin
Income and work in Baldwin
- Median household income$59,242 plus or minus $12,786
- Per capita income$29,018
- Civilian labor force2,010
- Employed1,996
- Unemployed14 plus or minus 22
- Unemployment rate0.7 percent plus or minus 1.1
- Adults 25 and over2,439
- Adults 25 and over with a high school diploma or higher73.8 percent
- Adults 25 and over with a bachelor degree or higher18.7 percent plus or minus 6.5
- Adults 25 and over with a graduate degree9.6 percent plus or minus 4.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Baldwin
Housing in Baldwin
- Housing units1,330
- Occupied units1,246
- Vacant units84 plus or minus 66
- Vacancy rate6.3 percent plus or minus 4.9
- Owner occupied751 plus or minus 158
- Renter occupied495 plus or minus 135
- Ownership rate60.3 percent
- Median owner-occupied home value$167,300 plus or minus $39,620
- Median gross rent, monthly$1,088
- Annual rent as a share of median income22.0 percent plus or minus 5.2
- Single family units775
- Share single family58.3 percent
- Units in buildings of two or more358 plus or minus 140
- Share in buildings of two or more26.9 percent plus or minus 10.0
- Mobile homes197 plus or minus 96
- Median year structure built1989
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Baldwin
How Baldwin gets to work
- Workers 16 and over who commute1,806
- Commuting under 15 minutes687 plus or minus 168
- Share commuting under 15 minutes38.0 percent
- Commuting 30 minutes or more664 plus or minus 227
- Share commuting 30 minutes or more36.8 percent plus or minus 11.3
- Drove alone74.1 percent
- Carpooled17.3 percent plus or minus 10.2
- Public transport0.0 percent
- Walked0.5 percent plus or minus 1.0
- Worked from home7.9 percent plus or minus 3.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Baldwin
SBA loans in Baldwin (7(a))
- Approvals6
- Gross approval$6,076,600
- Average approval$1,012,767
- Median approval$1,380,000
- Ninetieth percentile approval$1,420,600
- Largest approval$1,420,600
- Jobs supported22
- Jobs per approval3.7
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term240 months
- Share on real estate terms of 20 years or more66.7 percent
- Share to franchises0.0 percent
- Distinct lenders4
- Distinct industries by NAICS4
A charge-off rate is not published here. only 2 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.
Baldwin
SBA loans in Baldwin (504)
- Approvals3
- Gross approval$1,270,000
- Average approval$423,333
- Median approval$275,000
- Largest approval$789,000
- Jobs supported28
- Loans with a final outcome1
- Charged off0
- Median term300 months
- Distinct CDCs3
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Baldwin
Flood risk in Baldwin
- Listed NFIP communities1
- Of those, participating0
- NFIP community number130205
- Currently effective map date01/05/18
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.
Habersham County, not Baldwin
Habersham County context, not Baldwin figures
These are Habersham County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Baldwin measurements.
- Establishments in Habersham County951
- Employment at those establishments, Habersham County11,474
- Covered employment, Habersham County15,000
- Average annual pay, Habersham County$48,929
- Average weekly wage, Habersham County$941
- Housing units permitted, Habersham County241
- Of those, single family, Habersham County232
- County product, 2024, Habersham County$2,106,039,000
- County product change over the prior year, Habersham County11.0 percent
- Average income of an arriving household, Habersham County$60,468
Every figure in this section is published for Habersham County as a whole and is not a measurement of Baldwin. 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
Baldwin questions, answered from the record.
How many people live in Baldwin, Georgia?
4,000, in 1,246 households. Baldwin city covers 5.59 square miles of land, which is 716 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Baldwin in?
Baldwin lies in more than one. By area it is 62.3 percent in Habersham County, 37.7 percent in Banks County. This page sits under Habersham County because that county holds the largest share. The split is measured from the Census boundary of the place against the county boundaries.
What is the median household income in Baldwin?
$59,242. The median owner-occupied home is valued at $167,300. Median gross rent is $1,088 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Baldwin businesses?
6 7(a) approvals totalling $6.1 m, across 4 lenders, median approval $1,380,000, plus 3 504 approvals worth $1.3 m. These count approvals to borrowers whose address is in Baldwin, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Baldwin borrowers get paid back?
No rate is published for Baldwin. only 2 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 Baldwin in the National Flood Insurance Program?
It is listed but not shown as participating. Baldwin appears in the FEMA Community Status Book as community 130205, 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 Baldwin figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Habersham 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 Baldwin.
Is zoning published for Baldwin?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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