Hart County, Georgia: commercial real estate data.
Hart County, Georgia had an estimated 28,052 residents on July 1, 2024, up 8.6 percent since the 2020 census base of 25,831, across 232 square miles. County output reached $1.27 bn in 2024, 491 establishments operate here, and the SBA record carries 20 7(a) approvals worth $21.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Hart County
How many people live in Hart County
- Population, American Community Survey 2020-202426,939
- Households11,034
- Average household size2.44
- Median household income$59,385
- Median age44.8
- Median gross rent$844 per month
- Median owner-occupied home value$215,100
- Home value to household income3.6 times
- Annual rent as a share of median income17.1 percent
- Adults 25 and over with a bachelor degree or higher20.8 percent
- Adults 25 and over with a graduate degree7.5 percent
- Adults 25 and over19,797
- Population under 185,477
- Share under 1820.3 percent
- Population 65 and over6,095
- Share 65 and over22.6 percent
- Working age population, 18 to 6415,367
- Civilian labor force12,183
- Unemployment rate3.4 percent
- Labor force participation, adults 18 and over56.8 percent
- Rank by population among Georgia counties72nd of 159
- Rank by population among US county-equivalents, Puerto Rico included1580th of 3,222
Hart County is the 72nd largest of 159 Georgia counties by population. A median home costs 3.6 times median household income, which is moderately unaffordable by national standards. Residents 65 and over outnumber those under 18, at 22.6 percent against 20.3 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.
Hart County
Is Hart County's population growing?
- Population, July 1, 202428,052
- Census 2020 base population25,831
- Population change since the 2020 census base8.60 percent
- Population change, 2023 to 2024495
- Births, 2024239
- Deaths, 2024316
- Natural change, 2024-77
- Net domestic migration, 2024551
- Net international migration, 202421
- Total net migration, 2024572
- Cumulative net domestic migration, 2021 to 20242,584
- Rank by growth among US county-equivalents202nd of 3,144
The county has grown 8.60 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.
Hart County
Where are people moving to Hart County from?
- Tax returns filed by households arriving915
- People arriving, from those returns1,803
- Tax returns filed by households leaving570
- Net household movement345
- Adjusted gross income arriving$66.0 m
- Net adjusted gross income movement$36.5 m
- Average income of an arriving household$72,142
- Average income of a leaving household$51,781
- Largest single originFranklin County (144 households)
- Largest single destinationFranklin County (119 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Franklin County | 144 | 332 | $7.4 m |
| Gwinnett County | 74 | 167 | $10.9 m |
| Elbert County | 58 | 104 | $2.6 m |
| Stephens County | 36 | 72 | $1.6 m |
| Clarke County | 32 | 47 | $1.3 m |
| Anderson County | 29 | 51 | $1.5 m |
| Jackson County | 25 | 63 | $2.0 m |
| Madison County | 23 | 51 | $1.4 m |
Households arriving report $20,361 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 Franklin 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.
Hart County
What is the Hart County economy?
- County GDP, 2024$1.27 bn
- County GDP, 2023$1.15 bn
- GDP change, 2023 to 202410.4 percent
- GDP change over five years48.3 percent
- Rank by GDP among the Georgia areas BEA publishes74th of 159
- Rank by GDP among the US county areas BEA publishes1649th of 3,127
- GDP per resident$47,161
Output grew 10.4 percent in the latest year and 48.3 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.
Hart County
Employment by industry in Hart County
- Covered employment, annual average7,936
- Establishments reporting597
- Average annual pay$49,680
- Average weekly wage$955
- Manufacturing, employment2,520
- Manufacturing, average annual pay$62,227
- Retail trade, employment1,028
- Retail trade, average annual pay$27,622
- Accommodation and food services, employment769
- Accommodation and food services, average annual pay$18,240
- Construction, employment354
- Construction, average annual pay$52,292
- Administrative and support and waste management services, employment353
- Agriculture, forestry, fishing and hunting, employment220
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 2,520 | 34 | $62,227 |
| Retail trade | 1,028 | 81 | $27,622 |
| Accommodation and food services | 769 | 54 | $18,240 |
| Construction | 354 | 72 | $52,292 |
| Administrative and support and waste management services | 353 | 32 | $56,686 |
| Agriculture, forestry, fishing and hunting | 220 | 18 | $50,172 |
| Finance and insurance | 156 | 29 | $76,527 |
| Utilities | 127 | 6 | $91,692 |
Manufacturing is the largest private sector at 2,520 jobs, 31.8 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Hart County
How many businesses are in Hart County?
- Establishments, all industries491
- Employment at those establishments6,168
- Annual payroll$258.3 m
- Establishments per 1,000 residents18.2
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.
Hart County
Building permits in Hart County
- Housing units authorized by permit, 2024172
- Declared construction value permitted$41.8 m
- Single family units authorized150
- Multifamily units authorized22
- Multifamily share of units12.8 percent
- Average declared value per unit$242,821
- Units authorized per 1,000 households15.6
Single-family homes are 87.2 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Hart County
SBA loans in Hart County (7(a) and 504)
- 7(a) approvals recorded20
- 7(a) gross approval dollars$21.0 m
- Average 7(a) approval$1,049,760
- Median 7(a) approval$839,500
- 10th percentile approval$99,000
- 90th percentile approval$1,789,000
- Largest single approval$3,366,000
- Jobs reported supported, 7(a)76
- Jobs per approval3.8
- Distinct 7(a) lenders active15
- Distinct industries receiving approvals12
- Median 7(a) term240 months
- Share of loans on real estate terms, 240 months or longer60.0 percent
- Loans on real estate terms12
- Loans on working capital terms, 120 months or shorter5
- Franchise loans7
- Franchise share of approvals35.0 percent
- Most active lenderMetro City Bank (5)
- 504 approvals recorded5
- 504 gross approval dollars$6.3 m
- Average 504 approval$1,258,800
- Median 504 approval$763,000
- Distinct CDCs active1
- 504 jobs per approval19.2
- 504 jobs per million dollars approved15.3
- Most active CDCSmall Business Access Partners, Inc. (5)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$27.3 m
The average approval of $1,049,760 sits well above the median of $839,500, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. 60.0 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.
Hart County
SBA loan default and charge-off rates in Hart County
Do SBA loans in Hart County get paid back?
- Loans with a final outcome recorded10
- Paid in full10
- Charged off0
- Status: Exempt from disclosure7
- Status: Paid in full10
- Status: Cancelled3
Only 10 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.
Hart County
SBA lending by place in Hart County
- Borrower cities with recorded lending3
- Hartwell, approvals13
- Royston, approvals6
- Canon, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Hartwell | 13 | $13,560,600 |
| Royston | 6 | $7,259,600 |
| Canon | 1 | $175,000 |
Hartwell accounts for 13 approvals against 6 in Royston. 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.
Hart County
How large is Hart County?
- Land area232 sq mi
- Rank by land area among Georgia counties126th of 159
- Width, east to west19.9 mi
- Height, north to south19.4 mi
- Geographies sharing a boundary5
- Residents per square mile of land116
- Establishments per square mile2.12
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.
Hart County
Flood risk in Hart County
- Participation of the county's own NFIP community Hart County, unincorporated areasParticipating, community 130467
- 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 Hart 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 Hart County (community 130467), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Hart 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 Hart 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 Hart County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202426,939
- Households11,034
- Average household size2.44
- Median household income$59,385
- Median age44.8
Common questions
Hart County questions, answered from the record.
How many people live in Hart County, Georgia?
The Census Bureau estimates 28,052 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 26,939, in 11,034 households, ranking 72nd of 159 Georgia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Hart County's population growing?
The population has grown 8.60 percent since the 2020 census base of 25,831, to 28,052 on July 1, 2024. In 2024 there were 239 births against 316 deaths, with net migration of 572. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Hart County?
$59,385. The median owner-occupied home is valued at $215,100, which is 3.6 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 Hart County?
491 establishments, employing 6,168 people with an annual payroll of $258.3 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 Hart County?
Manufacturing is the largest private sector at 2,520 jobs, 31.8 percent of covered employment. Covered employment averages 7,936 jobs at an average annual pay of $49,680, or $955 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Hart County?
20 7(a) approvals totaling $21.0 m since FY2020, across 15 lenders, with a median approval of $839,500, plus 5 504 approvals worth $6.3 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Hart County?
172 housing units were authorized by permit in 2024, with a declared construction value of $41.8 m. Multifamily was 12.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Hart 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 Hart County come from?
The largest single origin is Franklin County, with 144 households. Arriving households report an average income of $72,142 against $51,781 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Hart 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 Hart 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.
Hart County
Cities and places in Hart.
6 Census places lie wholly or partly in Hart County. All 6 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 |
|---|---|---|---|---|
| Hartwell | city | 4,562 | 13 | Wholly in this county |
| Reed Creek | CDP | 3,151 | None recorded | Wholly in this county |
| Royston | city | 2,258 | 6 | 33.7 percent here, 66.1 percent Franklin County |
| Canon | city | 879 | 1 | 17.3 percent here, 82.7 percent Franklin County |
| Bowersville | town | 522 | None recorded | Wholly in this county |
| Eagle Grove | CDP | 35 | None recorded | Wholly in this county |