Liberty County, Georgia: commercial real estate data.
Liberty County, Georgia had an estimated 68,607 residents on July 1, 2024, up 5.1 percent since the 2020 census base of 65,284, across 490 square miles. County output reached $5.29 bn in 2024, 921 establishments operate here, and the SBA record carries 20 7(a) approvals worth $12.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Liberty County
How many people live in Liberty County
- Population, American Community Survey 2020-202467,397
- Households23,998
- Average household size2.81
- Median household income$60,456
- Median age29.0
- Median gross rent$1,246 per month
- Median owner-occupied home value$201,500
- Home value to household income3.3 times
- Annual rent as a share of median income24.7 percent
- Adults 25 and over with a bachelor degree or higher20.5 percent
- Adults 25 and over with a graduate degree6.5 percent
- Adults 25 and over39,222
- Population under 1818,733
- Share under 1827.8 percent
- Population 65 and over6,828
- Share 65 and over10.1 percent
- Working age population, 18 to 6441,836
- Civilian labor force26,019
- Unemployment rate7.9 percent
- Labor force participation, adults 18 and over53.5 percent
- Rank by population among Georgia counties39th of 159
- Rank by population among US county-equivalents, Puerto Rico included812th of 3,222
Liberty County is the 39th largest of 159 Georgia counties by population. A median home costs 3.3 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 27.8 percent against 10.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Liberty County
Is Liberty County's population growing?
- Population, July 1, 202468,607
- Census 2020 base population65,284
- Population change since the 2020 census base5.09 percent
- Population change, 2023 to 2024372
- Births, 20241,394
- Deaths, 2024530
- Natural change, 2024864
- Net domestic migration, 2024-732
- Net international migration, 2024254
- Total net migration, 2024-478
- Cumulative net domestic migration, 2021 to 2024-810
- Rank by growth among US county-equivalents517th of 3,144
The county has grown 5.09 percent since the 2020 census base. Births exceeded deaths in 2024 by more than net migration took away, so the population grew even though more people left than moved in.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Liberty County
Where are people moving to Liberty County from?
- Tax returns filed by households arriving4,505
- People arriving, from those returns9,352
- Tax returns filed by households leaving4,053
- Net household movement452
- Adjusted gross income arriving$189.0 m
- Net adjusted gross income movement$11.8 m
- Average income of an arriving household$41,958
- Average income of a leaving household$43,714
- Largest single originChatham County (355 households)
- Largest single destinationLong County (364 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Chatham County | 355 | 702 | $14.7 m |
| Long County | 234 | 533 | $7.8 m |
| Bryan County | 158 | 308 | $10.1 m |
| Foreign - APO/FPO ZIPs | 143 | 312 | $7.0 m |
| Bell County | 98 | 222 | $4.5 m |
| El Paso County | 84 | 212 | $3.9 m |
| Cumberland County | 73 | 169 | $3.1 m |
| El Paso County | 68 | 166 | $2.7 m |
Households arriving report $1,756 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Chatham 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.
Liberty County
What is the Liberty County economy?
- County GDP, 2024$5.29 bn
- County GDP, 2023$4.93 bn
- GDP change, 2023 to 20247.2 percent
- GDP change over five years36.6 percent
- Rank by GDP among the Georgia areas BEA publishes29th of 159
- Rank by GDP among the US county areas BEA publishes687th of 3,127
- GDP per resident$78,480
Output grew 7.2 percent in the latest year and 36.6 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.
Liberty County
Employment by industry in Liberty County
- Covered employment, annual average19,816
- Establishments reporting1,111
- Average annual pay$51,607
- Average weekly wage$992
- Retail trade, employment2,445
- Retail trade, average annual pay$34,021
- Accommodation and food services, employment2,274
- Accommodation and food services, average annual pay$20,981
- Manufacturing, employment2,252
- Manufacturing, average annual pay$84,445
- Transportation and warehousing, employment1,699
- Transportation and warehousing, average annual pay$50,193
- Health care and social assistance, employment1,132
- Administrative and support and waste management services, employment560
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 2,445 | 194 | $34,021 |
| Accommodation and food services | 2,274 | 136 | $20,981 |
| Manufacturing | 2,252 | 30 | $84,445 |
| Transportation and warehousing | 1,699 | 45 | $50,193 |
| Health care and social assistance | 1,132 | 100 | $43,931 |
| Administrative and support and waste management services | 560 | 61 | $46,888 |
| Other services, except public administration | 435 | 72 | $36,190 |
| Professional, scientific and technical services | 421 | 89 | $58,392 |
Retail trade is the largest private sector at 2,445 jobs, 12.3 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Liberty County
How many businesses are in Liberty County?
- Establishments, all industries921
- Employment at those establishments14,880
- Annual payroll$802.6 m
- Establishments per 1,000 residents13.7
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.
Liberty County
Building permits in Liberty County
- Housing units authorized by permit, 2024471
- Declared construction value permitted$105.9 m
- Single family units authorized462
- Multifamily units authorized9
- Multifamily share of units1.9 percent
- Average declared value per unit$224,885
- Units authorized per 1,000 households19.6
Single-family homes are 98.1 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Liberty County
SBA loans in Liberty County (7(a) and 504)
- 7(a) approvals recorded20
- 7(a) gross approval dollars$12.0 m
- Average 7(a) approval$600,825
- Median 7(a) approval$237,900
- 10th percentile approval$47,800
- 90th percentile approval$1,532,700
- Largest single approval$3,245,000
- Jobs reported supported, 7(a)172
- Jobs per approval8.6
- Distinct 7(a) lenders active14
- Distinct industries receiving approvals17
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer25.0 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter14
- Franchise loans2
- Franchise share of approvals10.0 percent
- Leading industry by approval countGeneral Freight Trucking, Local (3)
- 504 approvals recorded16
- 504 gross approval dollars$15.9 m
- Average 504 approval$992,000
- Median 504 approval$464,500
- Distinct CDCs active4
- 504 jobs per approval11.8
- 504 jobs per million dollars approved11.8
- Most active CDCCoastal Area District Development Authority, Inc. (11)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$27.9 m
The average approval of $600,825 sits well above the median of $237,900, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 25.0 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
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.
Liberty County
SBA loan default and charge-off rates in Liberty County
Do SBA loans in Liberty County get paid back?
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Paid in full2
- Status: Exempt from disclosure13
- Status: Cancelled5
Only 2 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.
Liberty County
SBA lending by place in Liberty County
- Borrower cities with recorded lending2
- Hinesville, approvals13
- Midway, approvals7
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Hinesville | 13 | $8,943,100 |
| Midway | 7 | $3,073,400 |
Hinesville accounts for 13 approvals against 7 in Midway. 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.
Liberty County
How large is Liberty County?
- Land area490 sq mi
- Rank by land area among Georgia counties28th of 159
- Width, east to west40.8 mi
- Height, north to south36.9 mi
- Geographies sharing a boundary5
- Residents per square mile of land138
- Establishments per square mile1.88
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.
Liberty County
Flood risk in Liberty County
- Participation of the county's own NFIP community Liberty County, unincorporated areasParticipating, community 130123
- Communities in the county in the NFIP Community Status Book8
- Of those, participating in the NFIP8
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 6
- Communities carrying a CRS class1
- Radon levels in Liberty 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 Liberty County (community 130123), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Liberty 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. The best Community Rating System class among the county's communities is 6, which carries a flood insurance premium discount for policies written in that community. 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 Liberty 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 Liberty County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202467,397
- Households23,998
- Average household size2.81
- Median household income$60,456
- Median age29.0
Common questions
Liberty County questions, answered from the record.
How many people live in Liberty County, Georgia?
The Census Bureau estimates 68,607 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 67,397, in 23,998 households, ranking 39th of 159 Georgia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Liberty County's population growing?
The population has grown 5.09 percent since the 2020 census base of 65,284, to 68,607 on July 1, 2024. In 2024 there were 1,394 births against 530 deaths, with net migration of -478. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Liberty County?
$60,456. The median owner-occupied home is valued at $201,500, which is 3.3 times income, and median gross rent is $1,246 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Liberty County?
921 establishments, employing 14,880 people with an annual payroll of $802.6 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 Liberty County?
Retail trade is the largest private sector at 2,445 jobs, 12.3 percent of covered employment. Covered employment averages 19,816 jobs at an average annual pay of $51,607, or $992 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Liberty County?
20 7(a) approvals totaling $12.0 m since FY2020, across 14 lenders, with a median approval of $237,900, plus 16 504 approvals worth $15.9 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Liberty County?
471 housing units were authorized by permit in 2024, with a declared construction value of $105.9 m. Multifamily was 1.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Liberty 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 Liberty County come from?
The largest single origin is Chatham County, with 355 households. Arriving households report an average income of $41,958 against $43,714 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Liberty 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 Liberty 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.
Liberty County
Cities and places in Liberty.
8 Census places lie wholly or partly in Liberty County. All 8 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 |
|---|---|---|---|---|
| Hinesville | city | 35,679 | 13 | Wholly in this county |
| Fort Stewart | CDP | 9,285 | None recorded | Wholly in this county |
| Walthourville | city | 3,823 | None recorded | Wholly in this county |
| Midway | city | 2,185 | 7 | Wholly in this county |
| Flemington | city | 1,571 | None recorded | Wholly in this county |
| Allenhurst | city | 804 | None recorded | Wholly in this county |
| Riceboro | city | 742 | None recorded | Wholly in this county |
| Gumbranch | city | 241 | None recorded | Wholly in this county |
Nearby