HomeGeorgiaJones CountyGray city
Gray city, Georgia: commercial real estate data.
Gray city is a Census city of 3,512 people across 3.97 square miles of land, in Jones County. Median household income is $73,114, 71.6 percent of occupied homes are owned, and the SBA record carries 8 7(a) approvals to borrowers here worth $3.3 m.
80 sourced place values · tier FULL · 9 sections
Gray
What Gray is
- Census place typecity
- Land area3.97 sq mi
- Water area0.01 sq mi
- Population per square mile of land885
- County holding the largest share of its areaJones County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gray
How many people live in Gray
- Population3,512
- Median age39.7
- Population under 18854 plus or minus 216
- Share under 1824.3 percent plus or minus 6.1
- Population 65 and over586 plus or minus 191
- Share 65 and over16.7 percent plus or minus 5.4
- Households1,389
- Family households854
- Share of households that are families61.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gray
Income and work in Gray
- Median household income$73,114 plus or minus $20,013
- Per capita income$36,282
- Civilian labor force1,677
- Employed1,560
- Unemployed117 plus or minus 82
- Unemployment rate7.0 percent plus or minus 4.8
- Adults 25 and over2,501
- Adults 25 and over with a high school diploma or higher94.7 percent
- Adults 25 and over with a bachelor degree or higher29.4 percent plus or minus 9.2
- Adults 25 and over with a graduate degree13.6 percent plus or minus 5.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gray
Housing in Gray
- Housing units1,532
- Occupied units1,389
- Vacant units143 plus or minus 109
- Vacancy rate9.3 percent plus or minus 7.0
- Owner occupied995
- Renter occupied394 plus or minus 136
- Ownership rate71.6 percent
- Median owner-occupied home value$226,400
- Median gross rent, monthly$921
- Annual rent as a share of median income15.1 percent plus or minus 5.1
- Single family units1,271
- Share single family83.0 percent
- Units in buildings of two or more207 plus or minus 129
- Share in buildings of two or more13.5 percent plus or minus 8.3
- Mobile homes54 plus or minus 83
- Median year structure built1997
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gray
How Gray gets to work
- Workers 16 and over who commute1,404
- Commuting under 15 minutes298 plus or minus 160
- Share commuting under 15 minutes21.2 percent plus or minus 10.9
- Commuting 30 minutes or more749 plus or minus 238
- Share commuting 30 minutes or more53.3 percent plus or minus 15.0
- Drove alone79.9 percent
- Carpooled5.7 percent plus or minus 4.8
- Public transport0.0 percent
- Walked3.8 percent plus or minus 4.4
- Worked from home10.6 percent plus or minus 7.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gray
SBA 7(a) lending to Gray borrowers
- Approvals8
- Gross approval$3,319,800
- Average approval$414,975
- Median approval$350,000
- Ninetieth percentile approval$1,827,000
- Largest approval$1,827,000
- Jobs supported52
- Jobs per approval6.5
- Loans with a final outcome3
- Paid in full3
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more12.5 percent
- Share to franchises12.5 percent
- Distinct lenders6
- Distinct industries by NAICS8
A charge-off rate is not published here. only 3 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.
Gray
SBA 504 lending to Gray borrowers
- Approvals3
- Gross approval$1,176,000
- Average approval$392,000
- Median approval$320,000
- Largest approval$586,000
- Jobs supported27
- Loans with a final outcome2
- Charged off0
- Median term300 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Gray
Flood programme status in Gray
- Listed NFIP communities1
- Of those, participating1
- NFIP community number130237
- Currently effective map date10/13/22
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.
Jones County, not Gray
Jones County context, not Gray figures
These are Jones County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Gray measurements.
- Establishments in Jones County354
- Employment at those establishments, Jones County3,165
- Covered employment, Jones County4,199
- Average annual pay, Jones County$46,841
- Average weekly wage, Jones County$901
- Housing units permitted, Jones County106
- Of those, single family, Jones County90
- County product, 2024, Jones County$651,467,000
- County product change over the prior year, Jones County11.4 percent
- Average income of an arriving household, Jones County$52,252
Every figure in this section is published for Jones County as a whole and is not a measurement of Gray. 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
Gray questions, answered from the record.
How many people live in Gray, Georgia?
3,512, in 1,389 households. Gray city covers 3.97 square miles of land, which is 885 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Gray in?
Jones County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Gray?
$73,114. The median owner-occupied home is valued at $226,400. Median gross rent is $921 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Gray businesses?
8 7(a) approvals totalling $3.3 m, across 6 lenders, median approval $350,000, plus 3 504 approvals worth $1.2 m. These count approvals to borrowers whose address is in Gray, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Gray borrowers get paid back?
No rate is published for Gray. only 3 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 Gray in the National Flood Insurance Program?
Yes. Gray appears in the FEMA Community Status Book as community 130237, 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 Gray figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Jones 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 Gray.
Is zoning published for Gray?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.