Lumpkin County, Georgia: commercial real estate data.
Lumpkin County, Georgia had an estimated 36,016 residents on July 1, 2024, up 7.6 percent since the 2020 census base of 33,487, across 283 square miles. County output reached $1.36 bn in 2024, 603 establishments operate here, and the SBA record carries 34 7(a) approvals worth $28.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Lumpkin County
How many people live in Lumpkin County
- Population, American Community Survey 2020-202434,505
- Households11,669
- Average household size2.96
- Median household income$77,448
- Median age36.5
- Median gross rent$1,142 per month
- Median owner-occupied home value$307,900
- Home value to household income4.0 times
- Annual rent as a share of median income17.7 percent
- Adults 25 and over with a bachelor degree or higher31.6 percent
- Adults 25 and over with a graduate degree12.7 percent
- Adults 25 and over21,534
- Population under 185,855
- Share under 1817.0 percent
- Population 65 and over6,419
- Share 65 and over18.6 percent
- Working age population, 18 to 6422,231
- Civilian labor force16,460
- Unemployment rate5.7 percent
- Labor force participation, adults 18 and over57.5 percent
- Rank by population among Georgia counties56th of 159
- Rank by population among US county-equivalents, Puerto Rico included1352nd of 3,222
Lumpkin County is the 56th largest of 159 Georgia counties by population. A median home costs 4.0 times median household income, which is moderately unaffordable by national standards. Residents 65 and over outnumber those under 18, at 18.6 percent against 17.0 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.
Lumpkin County
Is Lumpkin County's population growing?
- Population, July 1, 202436,016
- Census 2020 base population33,487
- Population change since the 2020 census base7.55 percent
- Population change, 2023 to 2024748
- Births, 2024315
- Deaths, 2024372
- Natural change, 2024-57
- Net domestic migration, 2024750
- Net international migration, 202454
- Total net migration, 2024804
- Cumulative net domestic migration, 2021 to 20242,322
- Rank by growth among US county-equivalents271st of 3,144
The county has grown 7.55 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.
Lumpkin County
Where are people moving to Lumpkin County from?
- Tax returns filed by households arriving1,245
- People arriving, from those returns2,350
- Tax returns filed by households leaving1,079
- Net household movement166
- Adjusted gross income arriving$85.7 m
- Net adjusted gross income movement$26.8 m
- Average income of an arriving household$68,824
- Average income of a leaving household$54,609
- Largest single originForsyth County (176 households)
- Largest single destinationHall County (165 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Forsyth County | 176 | 353 | $12.2 m |
| Hall County | 171 | 318 | $8.7 m |
| Dawson County | 161 | 326 | $9.6 m |
| Gwinnett County | 63 | 115 | $3.6 m |
| White County | 49 | 95 | $3.4 m |
| Fulton County | 41 | 66 | $4.5 m |
| Cherokee County | 35 | 65 | $3.6 m |
| Cobb County | 22 | 48 | $1.9 m |
Households arriving report $14,215 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 Forsyth 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.
Lumpkin County
What is the Lumpkin County economy?
- County GDP, 2024$1.36 bn
- County GDP, 2023$1.25 bn
- GDP change, 2023 to 20249.1 percent
- GDP change over five years49.8 percent
- Rank by GDP among the Georgia areas BEA publishes70th of 159
- Rank by GDP among the US county areas BEA publishes1586th of 3,127
- GDP per resident$39,514
Output grew 9.1 percent in the latest year and 49.8 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.
Lumpkin County
Employment by industry in Lumpkin County
- Covered employment, annual average8,510
- Establishments reporting711
- Average annual pay$49,223
- Average weekly wage$947
- Accommodation and food services, employment1,431
- Accommodation and food services, average annual pay$23,320
- Retail trade, employment903
- Retail trade, average annual pay$35,240
- Health care and social assistance, employment774
- Health care and social assistance, average annual pay$59,785
- Construction, employment746
- Construction, average annual pay$71,118
- Manufacturing, employment671
- Other services, except public administration, employment197
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Accommodation and food services | 1,431 | 80 | $23,320 |
| Retail trade | 903 | 92 | $35,240 |
| Health care and social assistance | 774 | 73 | $59,785 |
| Construction | 746 | 80 | $71,118 |
| Manufacturing | 671 | 36 | $56,551 |
| Other services, except public administration | 197 | 38 | $31,572 |
| Wholesale trade | 137 | 15 | $76,797 |
| Arts, entertainment and recreation | 136 | 13 | $39,331 |
Accommodation and food services is the largest private sector at 1,431 jobs, 16.8 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Lumpkin County
How many businesses are in Lumpkin County?
- Establishments, all industries603
- Employment at those establishments6,011
- Annual payroll$252.7 m
- Establishments per 1,000 residents17.5
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.
Lumpkin County
Building permits in Lumpkin County
- Housing units authorized by permit, 2024277
- Declared construction value permitted$97.7 m
- Single family units authorized277
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$352,585
- Units authorized per 1,000 households23.7
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.
Lumpkin County
SBA loans in Lumpkin County (7(a) and 504)
- 7(a) approvals recorded34
- 7(a) gross approval dollars$28.2 m
- Average 7(a) approval$830,288
- Median 7(a) approval$466,350
- 10th percentile approval$150,000
- 90th percentile approval$1,856,000
- Largest single approval$3,250,000
- Jobs reported supported, 7(a)402
- Jobs per approval11.8
- Distinct 7(a) lenders active27
- Distinct industries receiving approvals28
- Median 7(a) term126 months
- Share of loans on real estate terms, 240 months or longer35.3 percent
- Loans on real estate terms12
- Loans on working capital terms, 120 months or shorter15
- Franchise loans4
- Franchise share of approvals11.8 percent
- Most active lenderLoyal Trust Bank (3)
- 504 approvals recorded9
- 504 gross approval dollars$3.7 m
- Average 504 approval$409,556
- Median 504 approval$352,000
- Distinct CDCs active3
- 504 jobs per approval4.8
- 504 jobs per million dollars approved11.7
- Most active CDCSmall Business Access Partners, Inc. (6)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$31.9 m
The average approval of $830,288 sits well above the median of $466,350, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. 35.3 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.
Lumpkin County
SBA loan default and charge-off rates in Lumpkin County
Do SBA loans in Lumpkin County get paid back?
- Loans with a final outcome recorded7
- Paid in full6
- Charged off1
- Status: Paid in full6
- Status: Exempt from disclosure25
- Status: Cancelled2
- Status: Charged off1
Only 7 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.
Lumpkin County
SBA lending by place in Lumpkin County
- Borrower cities with recorded lending3
- Dahlonega, approvals31
- Dawsonville, approvals2
- Cleveland, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Dahlonega | 31 | $27,605,300 |
| Dawsonville | 2 | $314,500 |
| Cleveland | 1 | $310,000 |
Dahlonega accounts for 31 approvals against 2 in Dawsonville. 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.
Lumpkin County
How large is Lumpkin County?
- Land area283 sq mi
- Rank by land area among Georgia counties104th of 159
- Width, east to west19.8 mi
- Height, north to south22.3 mi
- Geographies sharing a boundary5
- Residents per square mile of land122
- Establishments per square mile2.13
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.
Lumpkin County
Flood risk in Lumpkin County
- Participation of the county's own NFIP community Lumpkin County, unincorporated areasParticipating, community 130354
- 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 Lumpkin 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 Lumpkin County (community 130354), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Lumpkin 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 Lumpkin 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 Lumpkin County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202434,505
- Households11,669
- Average household size2.96
- Median household income$77,448
- Median age36.5
Common questions
Lumpkin County questions, answered from the record.
How many people live in Lumpkin County, Georgia?
The Census Bureau estimates 36,016 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 34,505, in 11,669 households, ranking 56th of 159 Georgia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Lumpkin County's population growing?
The population has grown 7.55 percent since the 2020 census base of 33,487, to 36,016 on July 1, 2024. In 2024 there were 315 births against 372 deaths, with net migration of 804. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Lumpkin County?
$77,448. The median owner-occupied home is valued at $307,900, which is 4.0 times income, and median gross rent is $1,142 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Lumpkin County?
603 establishments, employing 6,011 people with an annual payroll of $252.7 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 Lumpkin County?
Accommodation and food services is the largest private sector at 1,431 jobs, 16.8 percent of covered employment. Covered employment averages 8,510 jobs at an average annual pay of $49,223, or $947 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Lumpkin County?
34 7(a) approvals totaling $28.2 m since FY2020, across 27 lenders, with a median approval of $466,350, plus 9 504 approvals worth $3.7 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Lumpkin County?
277 housing units were authorized by permit in 2024, with a declared construction value of $97.7 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Lumpkin 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 Lumpkin County come from?
The largest single origin is Forsyth County, with 176 households. Arriving households report an average income of $68,824 against $54,609 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Lumpkin 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 Lumpkin 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.
Lumpkin County
Cities and places in Lumpkin.
1 Census place lies wholly or partly in Lumpkin 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 |
|---|---|---|---|---|
| Dahlonega | city | 7,299 | 31 | Wholly in this county |
A further 3 of the county's 34 SBA 7(a) approvals are to borrowers in cities that match no Census place in Lumpkin County, the largest being Dawsonville (2), Cleveland (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