Muscogee County, Georgia: commercial real estate data.
Muscogee County, Georgia had an estimated 201,830 residents on July 1, 2024, down 2.5 percent since the 2020 census base of 206,918, across 216 square miles. County output reached $13.84 bn in 2024, 4,510 establishments operate here, and the SBA record carries 128 7(a) approvals worth $112.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Muscogee County
How many people live in Muscogee County
- Population, American Community Survey 2020-2024203,711
- Households81,415
- Average household size2.50
- Median household income$58,073
- Median age35.4
- Median gross rent$1,106 per month
- Median owner-occupied home value$193,900
- Home value to household income3.3 times
- Annual rent as a share of median income22.9 percent
- Adults 25 and over with a bachelor degree or higher30.5 percent
- Adults 25 and over with a graduate degree12.3 percent
- Adults 25 and over134,657
- Population under 1850,790
- Share under 1824.9 percent
- Population 65 and over30,092
- Share 65 and over14.8 percent
- Working age population, 18 to 64122,829
- Civilian labor force89,570
- Unemployment rate6.3 percent
- Labor force participation, adults 18 and over58.6 percent
- Rank by population among Georgia counties12th of 159
- Rank by population among US county-equivalents, Puerto Rico included345th of 3,222
Muscogee County is the 12th 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 24.9 percent against 14.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Muscogee County
Is Muscogee County's population growing?
- Population, July 1, 2024201,830
- Census 2020 base population206,918
- Population change since the 2020 census base-2.46 percent
- Population change, 2023 to 2024-129
- Births, 20242,631
- Deaths, 20242,127
- Natural change, 2024504
- Net domestic migration, 2024-1,178
- Net international migration, 2024545
- Total net migration, 2024-633
- Cumulative net domestic migration, 2021 to 2024-8,273
- Rank by growth among US county-equivalents2617th of 3,144
The county has lost 2.46 percent of its population since the 2020 census base. More people left than moved in during 2024 and births over deaths did not make up the difference, so the population fell.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Muscogee County
Where are people moving to Muscogee County from?
- Tax returns filed by households arriving6,251
- People arriving, from those returns12,172
- Tax returns filed by households leaving7,096
- Net household movement-845
- Adjusted gross income arriving$309.9 m
- Net adjusted gross income movement$-153.5 m
- Average income of an arriving household$49,573
- Average income of a leaving household$65,297
- Largest single originRussell County (597 households)
- Largest single destinationRussell County (616 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Russell County | 597 | 1,133 | $19.2 m |
| Harris County | 305 | 592 | $17.6 m |
| Lee County | 283 | 541 | $15.1 m |
| Fulton County | 155 | 264 | $7.5 m |
| Foreign - APO/FPO ZIPs | 130 | 348 | $9.3 m |
| Chattahoochee County | 113 | 269 | $5.7 m |
| DeKalb County | 99 | 179 | $4.0 m |
| El Paso County | 88 | 207 | $5.5 m |
Households arriving report $15,724 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Russell 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.
Muscogee County
What is the Muscogee County economy?
- County GDP, 2024$13.84 bn
- County GDP, 2023$13.27 bn
- GDP change, 2023 to 20244.3 percent
- GDP change over five years22.1 percent
- Rank by GDP among the Georgia areas BEA publishes10th of 159
- Rank by GDP among the US county areas BEA publishes342nd of 3,127
- GDP per resident$67,950
Output grew 4.3 percent in the latest year and 22.1 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.
Muscogee County
Employment by industry in Muscogee County
- Covered employment, annual average89,176
- Establishments reporting5,414
- Average annual pay$55,578
- Average weekly wage$1,069
- Health care and social assistance, employment13,412
- Health care and social assistance, average annual pay$60,428
- Accommodation and food services, employment10,768
- Accommodation and food services, average annual pay$22,830
- Retail trade, employment10,354
- Retail trade, average annual pay$32,946
- Finance and insurance, employment6,649
- Finance and insurance, average annual pay$95,582
- Manufacturing, employment5,918
- Administrative and support and waste management services, employment4,860
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 13,412 | 874 | $60,428 |
| Accommodation and food services | 10,768 | 567 | $22,830 |
| Retail trade | 10,354 | 814 | $32,946 |
| Finance and insurance | 6,649 | 274 | $95,582 |
| Manufacturing | 5,918 | 133 | $76,555 |
| Administrative and support and waste management services | 4,860 | 353 | $38,146 |
| Professional, scientific and technical services | 4,278 | 441 | $73,962 |
| Construction | 3,198 | 314 | $64,304 |
Health care and social assistance is the largest private sector at 13,412 jobs, 15.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Muscogee County
How many businesses are in Muscogee County?
- Establishments, all industries4,510
- Employment at those establishments78,975
- Annual payroll$4.20 bn
- Establishments per 1,000 residents22.1
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.
Muscogee County
Building permits in Muscogee County
- Housing units authorized by permit, 2024291
- Declared construction value permitted$86.4 m
- Single family units authorized261
- Multifamily units authorized30
- Multifamily share of units10.3 percent
- Average declared value per unit$296,987
- Units authorized per 1,000 households3.6
Single-family homes are 89.7 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Muscogee County
SBA loans in Muscogee County (7(a) and 504)
- 7(a) approvals recorded128
- 7(a) gross approval dollars$112.0 m
- Average 7(a) approval$874,914
- Median 7(a) approval$360,400
- 10th percentile approval$37,480
- 90th percentile approval$2,812,500
- Largest single approval$4,705,000
- Jobs reported supported, 7(a)1,756
- Jobs per approval13.7
- Distinct 7(a) lenders active46
- Distinct industries receiving approvals74
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer22.7 percent
- Loans on real estate terms29
- Loans on working capital terms, 120 months or shorter85
- Franchise loans37
- Franchise share of approvals28.9 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (10)
- 504 approvals recorded51
- 504 gross approval dollars$42.4 m
- Average 504 approval$831,412
- Median 504 approval$579,000
- Distinct CDCs active8
- 504 jobs per approval9.8
- 504 jobs per million dollars approved11.7
- Most active CDCFlorida Business Development Corporation (22)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$154.4 m
The average approval of $874,914 sits well above the median of $360,400, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 22.7 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.
Muscogee County
SBA loan default and charge-off rates in Muscogee County
Do SBA loans in Muscogee County get paid back?
- Loans with a final outcome recorded19
- Paid in full17
- Charged off2
- Status: Cancelled25
- Status: Exempt from disclosure80
- Status: Paid in full17
- Status: Committed, not yet disbursed4
- Status: Charged off2
Only 19 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.
Muscogee County
SBA lending by place in Muscogee County
- Borrower cities with recorded lending5
- Columbus, approvals119
- Midland, approvals4
- Fortson, approvals3
- Marietta, approvals1
- Fort Benning, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Columbus | 119 | $107,466,100 |
| Midland | 4 | $3,641,100 |
| Fortson | 3 | $320,100 |
| Marietta | 1 | $459,000 |
| Fort Benning | 1 | $102,700 |
Columbus accounts for 119 approvals against 4 in Midland. 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.
Muscogee County
How large is Muscogee County?
- Land area216 sq mi
- Rank by land area among Georgia counties132nd of 159
- Width, east to west22.6 mi
- Height, north to south15.6 mi
- Geographies sharing a boundary5
- Residents per square mile of land943
- Establishments per square mile20.88
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.
Muscogee County
Flood risk in Muscogee County
- Communities in the county in the NFIP Community Status Book1
- Of those, participating in the NFIP1
- 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 9
- Communities carrying a CRS class1
- Radon levels in Muscogee County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The EPA places Muscogee 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 9, 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 Muscogee 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 Muscogee County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024203,711
- Households81,415
- Average household size2.50
- Median household income$58,073
- Median age35.4
Common questions
Muscogee County questions, answered from the record.
How many people live in Muscogee County, Georgia?
The Census Bureau estimates 201,830 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 203,711, in 81,415 households, ranking 12th of 159 Georgia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Muscogee County's population growing?
The population has fallen 2.46 percent since the 2020 census base of 206,918, to 201,830 on July 1, 2024. In 2024 there were 2,631 births against 2,127 deaths, with net migration of -633. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Muscogee County?
$58,073. The median owner-occupied home is valued at $193,900, which is 3.3 times income, and median gross rent is $1,106 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Muscogee County?
4,510 establishments, employing 78,975 people with an annual payroll of $4.20 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Muscogee County?
Health care and social assistance is the largest private sector at 13,412 jobs, 15.0 percent of covered employment. Covered employment averages 89,176 jobs at an average annual pay of $55,578, or $1,069 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Muscogee County?
128 7(a) approvals totaling $112.0 m since FY2020, across 46 lenders, with a median approval of $360,400, plus 51 504 approvals worth $42.4 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Muscogee County?
291 housing units were authorized by permit in 2024, with a declared construction value of $86.4 m. Multifamily was 10.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Muscogee 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 Muscogee County come from?
The largest single origin is Russell County, with 597 households. Arriving households report an average income of $49,573 against $65,297 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Muscogee 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 Muscogee 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.
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