Irwin County, Georgia: commercial real estate data.
Irwin County, Georgia had an estimated 9,155 residents on July 1, 2024, down 5.3 percent since the 2020 census base of 9,666, across 354 square miles. County output reached $293.1 m in 2024, 113 establishments operate here, and the SBA record carries 11 7(a) approvals worth $22.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Irwin County
How many people live in Irwin County
- Population, American Community Survey 2020-20249,285
- Households3,589
- Average household size2.59
- Median household income$51,384
- Median age40.3
- Median gross rent$865 per month
- Median owner-occupied home value$105,600
- Home value to household income2.1 times
- Annual rent as a share of median income20.2 percent
- Adults 25 and over with a bachelor degree or higher15.2 percent
- Adults 25 and over with a graduate degree6.7 percent
- Adults 25 and over6,240
- Population under 182,107
- Share under 1822.7 percent
- Population 65 and over1,681
- Share 65 and over18.1 percent
- Working age population, 18 to 645,497
- Civilian labor force4,194
- Unemployment rate4.0 percent
- Labor force participation, adults 18 and over58.4 percent
- Rank by population among Georgia counties127th of 159
- Rank by population among US county-equivalents, Puerto Rico included2542nd of 3,222
Irwin County is the 127th largest of 159 Georgia counties by population. A median home costs 2.1 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 22.7 percent against 18.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Irwin County
Is Irwin County's population growing?
- Population, July 1, 20249,155
- Census 2020 base population9,666
- Population change since the 2020 census base-5.29 percent
- Population change, 2023 to 202432
- Births, 202499
- Deaths, 2024139
- Natural change, 2024-40
- Net domestic migration, 202472
- Net international migration, 20241
- Total net migration, 202473
- Cumulative net domestic migration, 2021 to 2024-306
- Rank by growth among US county-equivalents3000th of 3,144
The county has lost 5.29 percent of its population 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.
Irwin County
Where are people moving to Irwin County from?
- Tax returns filed by households arriving246
- People arriving, from those returns528
- Tax returns filed by households leaving226
- Net household movement20
- Adjusted gross income arriving$9.2 m
- Net adjusted gross income movement$1.5 m
- Average income of an arriving household$37,589
- Average income of a leaving household$34,190
- Largest single originBen Hill County (85 households)
- Largest single destinationBen Hill County (65 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Ben Hill County | 85 | 194 | $2.6 m |
| Tift County | 45 | 97 | $1.8 m |
Households arriving report $3,399 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 Ben Hill 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.
Irwin County
What is the Irwin County economy?
- County GDP, 2024$293.1 m
- County GDP, 2023$281.8 m
- GDP change, 2023 to 20244.0 percent
- GDP change over five years32.7 percent
- Rank by GDP among the Georgia areas BEA publishes132nd of 159
- Rank by GDP among the US county areas BEA publishes2711th of 3,127
- GDP per resident$31,571
Output grew 4.0 percent in the latest year and 32.7 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.
Irwin County
Employment by industry in Irwin County
- Covered employment, annual average2,044
- Establishments reporting165
- Average annual pay$45,550
- Average weekly wage$876
- Retail trade, employment187
- Retail trade, average annual pay$28,098
- Wholesale trade, employment70
- Wholesale trade, average annual pay$59,991
- Other services, except public administration, employment26
- Other services, except public administration, average annual pay$48,578
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 187 | 29 | $28,098 |
| Wholesale trade | 70 | 8 | $59,991 |
| Other services, except public administration | 26 | 9 | $48,578 |
Retail trade is the largest private sector at 187 jobs, 9.1 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Irwin County
How many businesses are in Irwin County?
- Establishments, all industries113
- Employment at those establishments1,542
- Annual payroll$71.6 m
- Establishments per 1,000 residents12.2
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.
Irwin County
Building permits in Irwin County
- Housing units authorized by permit, 202432
- Declared construction value permitted$2.8 m
- Single family units authorized32
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$87,117
- Units authorized per 1,000 households8.9
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.
Irwin County
SBA loans in Irwin County (7(a) and 504)
- 7(a) approvals recorded11
- 7(a) gross approval dollars$22.3 m
- Average 7(a) approval$2,029,700
- Median 7(a) approval$1,157,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)265
- Jobs per approval24.1
- Distinct 7(a) lenders active6
- Distinct industries receiving approvals8
- Median 7(a) term144 months
- Share of loans on real estate terms, 240 months or longer45.5 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter5
- Franchise loans2
- Franchise share of approvals18.2 percent
- Leading industry by approval countOther Farm Product Raw Material Merchant Wholesalers (3)
- Most active lenderRegions Bank (4)
- 504 approvals recorded2
- 504 gross approval dollars$2.7 m
- Average 504 approval$1,366,500
- Median 504 approval$1,366,500
- Distinct CDCs active2
- 504 jobs per approval9.0
- 504 jobs per million dollars approved6.6
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$25.1 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.
Irwin County
SBA loan default and charge-off rates in Irwin County
Do SBA loans in Irwin County get paid back?
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Paid in full3
- Status: Exempt from disclosure6
- Status: Cancelled2
Only 3 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.
Irwin County
SBA lending by place in Irwin County
- Borrower cities with recorded lending2
- Ocilla, approvals10
- Fitzgerald, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Ocilla | 10 | $22,176,700 |
| Fitzgerald | 1 | $150,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Irwin County
How large is Irwin County?
- Land area354 sq mi
- Rank by land area among Georgia counties74th of 159
- Width, east to west29.6 mi
- Height, north to south19.7 mi
- Geographies sharing a boundary5
- Residents per square mile of land26
- Establishments per square mile0.32
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.
Irwin County
Flood risk in Irwin County
- Participation of the county's own NFIP community Irwin County, unincorporated areasParticipating, community 130572
- Communities in the county in the NFIP Community Status Book2
- Of those, participating in the NFIP2
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Irwin 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 Irwin County (community 130572), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Irwin 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 Irwin 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 Irwin County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-20249,285
- Households3,589
- Average household size2.59
- Median household income$51,384
- Median age40.3
Common questions
Irwin County questions, answered from the record.
How many people live in Irwin County, Georgia?
The Census Bureau estimates 9,155 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 9,285, in 3,589 households, ranking 127th of 159 Georgia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Irwin County's population growing?
The population has fallen 5.29 percent since the 2020 census base of 9,666, to 9,155 on July 1, 2024. In 2024 there were 99 births against 139 deaths, with net migration of 73. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Irwin County?
$51,384. The median owner-occupied home is valued at $105,600, which is 2.1 times income, and median gross rent is $865 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Irwin County?
113 establishments, employing 1,542 people with an annual payroll of $71.6 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 Irwin County?
Retail trade is the largest private sector at 187 jobs, 9.1 percent of covered employment. Covered employment averages 2,044 jobs at an average annual pay of $45,550, 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 Irwin County?
11 7(a) approvals totaling $22.3 m since FY2020, across 6 lenders, with a median approval of $1,157,000, plus 2 504 approvals worth $2.7 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Irwin County?
32 housing units were authorized by permit in 2024, with a declared construction value of $2.8 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Irwin 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 Irwin County come from?
The largest single origin is Ben Hill County, with 85 households. Arriving households report an average income of $37,589 against $34,190 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Irwin 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 Irwin 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.
Irwin County
Cities and places in Irwin.
1 Census place lies wholly or partly in Irwin County. It carries enough published place level data for a page of its own and is linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Ocilla | city | 3,100 | 10 | Wholly in this county |
A further 1 of the county's 11 SBA 7(a) approvals are to borrowers in cities that match no Census place in Irwin County, the largest being Fitzgerald (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.
Nearby