Spalding County, Georgia: commercial real estate data.
Spalding County, Georgia had an estimated 70,292 residents on July 1, 2024, up 4.4 percent since the 2020 census base of 67,301, across 196 square miles. County output reached $3.09 bn in 2024, 1,240 establishments operate here, and the SBA record carries 48 7(a) approvals worth $45.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Spalding County
How many people live in Spalding County
- Population, American Community Survey 2020-202468,892
- Households26,471
- Average household size2.60
- Median household income$62,071
- Median age39.5
- Median gross rent$1,113 per month
- Median owner-occupied home value$228,700
- Home value to household income3.7 times
- Annual rent as a share of median income21.5 percent
- Adults 25 and over with a bachelor degree or higher18.5 percent
- Adults 25 and over with a graduate degree6.4 percent
- Adults 25 and over47,347
- Population under 1816,132
- Share under 1823.4 percent
- Population 65 and over13,161
- Share 65 and over19.1 percent
- Working age population, 18 to 6439,599
- Civilian labor force31,009
- Unemployment rate7.3 percent
- Labor force participation, adults 18 and over58.8 percent
- Rank by population among Georgia counties36th of 159
- Rank by population among US county-equivalents, Puerto Rico included796th of 3,222
Spalding County is the 36th largest of 159 Georgia counties by population. A median home costs 3.7 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 23.4 percent against 19.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Spalding County
Is Spalding County's population growing?
- Population, July 1, 202470,292
- Census 2020 base population67,301
- Population change since the 2020 census base4.44 percent
- Population change, 2023 to 2024300
- Births, 2024853
- Deaths, 2024862
- Natural change, 2024-9
- Net domestic migration, 2024159
- Net international migration, 2024148
- Total net migration, 2024307
- Cumulative net domestic migration, 2021 to 20242,853
- Rank by growth among US county-equivalents622nd of 3,144
The county has grown 4.44 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.
Spalding County
Where are people moving to Spalding County from?
- Tax returns filed by households arriving2,672
- People arriving, from those returns5,121
- Tax returns filed by households leaving2,199
- Net household movement473
- Adjusted gross income arriving$136.8 m
- Net adjusted gross income movement$30.2 m
- Average income of an arriving household$51,188
- Average income of a leaving household$48,471
- Largest single originHenry County (513 households)
- Largest single destinationHenry County (310 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Henry County | 513 | 1,030 | $26.1 m |
| Clayton County | 309 | 637 | $12.3 m |
| Pike County | 135 | 259 | $7.6 m |
| Fulton County | 119 | 195 | $5.9 m |
| Fayette County | 108 | 211 | $7.2 m |
| Lamar County | 108 | 207 | $4.2 m |
| DeKalb County | 104 | 184 | $5.0 m |
| Butts County | 96 | 205 | $3.6 m |
Households arriving report $2,717 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 Henry 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.
Spalding County
What is the Spalding County economy?
- County GDP, 2024$3.09 bn
- County GDP, 2023$2.96 bn
- GDP change, 2023 to 20244.6 percent
- GDP change over five years44.2 percent
- Rank by GDP among the Georgia areas BEA publishes40th of 159
- Rank by GDP among the US county areas BEA publishes954th of 3,127
- GDP per resident$44,911
Output grew 4.6 percent in the latest year and 44.2 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.
Spalding County
Employment by industry in Spalding County
- Covered employment, annual average23,477
- Establishments reporting1,503
- Average annual pay$49,873
- Average weekly wage$959
- Health care and social assistance, employment4,232
- Health care and social assistance, average annual pay$52,076
- Manufacturing, employment3,104
- Manufacturing, average annual pay$70,144
- Retail trade, employment3,098
- Retail trade, average annual pay$32,568
- Accommodation and food services, employment2,043
- Accommodation and food services, average annual pay$20,812
- Professional, scientific and technical services, employment1,496
- Wholesale trade, employment749
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 4,232 | 153 | $52,076 |
| Manufacturing | 3,104 | 79 | $70,144 |
| Retail trade | 3,098 | 251 | $32,568 |
| Accommodation and food services | 2,043 | 136 | $20,812 |
| Professional, scientific and technical services | 1,496 | 124 | $49,702 |
| Wholesale trade | 749 | 70 | $78,221 |
| Construction | 717 | 122 | $60,484 |
| Transportation and warehousing | 509 | 42 | $61,105 |
Health care and social assistance is the largest private sector at 4,232 jobs, 18.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Spalding County
How many businesses are in Spalding County?
- Establishments, all industries1,240
- Employment at those establishments17,205
- Annual payroll$886.1 m
- Establishments per 1,000 residents18.0
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.
Spalding County
Building permits in Spalding County
- Housing units authorized by permit, 2024342
- Declared construction value permitted$80.2 m
- Single family units authorized342
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$234,465
- Units authorized per 1,000 households12.9
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.
Spalding County
SBA loans in Spalding County (7(a) and 504)
- 7(a) approvals recorded48
- 7(a) gross approval dollars$45.0 m
- Average 7(a) approval$937,198
- Median 7(a) approval$524,800
- 10th percentile approval$135,000
- 90th percentile approval$2,307,200
- Largest single approval$3,985,000
- Jobs reported supported, 7(a)559
- Jobs per approval11.6
- Distinct 7(a) lenders active27
- Distinct industries receiving approvals32
- Median 7(a) term125 months
- Share of loans on real estate terms, 240 months or longer45.8 percent
- Loans on real estate terms22
- Loans on working capital terms, 120 months or shorter22
- Franchise loans8
- Franchise share of approvals16.7 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (6)
- Most active lenderEmbassy National Bank (5)
- 504 approvals recorded15
- 504 gross approval dollars$17.0 m
- Average 504 approval$1,133,467
- Median 504 approval$1,014,000
- Distinct CDCs active5
- 504 jobs per approval8.9
- 504 jobs per million dollars approved7.8
- Most active CDCCapital Partners Certified Development Company (6)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$62.0 m
The average approval of $937,198 sits well above the median of $524,800, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. 45.8 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.
Spalding County
SBA loan default and charge-off rates in Spalding County
Do SBA loans in Spalding County get paid back?
- Loans with a final outcome recorded10
- Paid in full9
- Charged off1
- Status: Exempt from disclosure30
- Status: Paid in full9
- Status: Cancelled6
- Status: Charged off1
- Status: Committed, not yet disbursed2
Only 10 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.
Spalding County
SBA lending by place in Spalding County
- Borrower cities with recorded lending2
- Griffin, approvals47
- Hampton, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Griffin | 47 | $44,688,000 |
| Hampton | 1 | $297,500 |
Griffin accounts for 47 approvals against 1 in Hampton. 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.
Spalding County
How large is Spalding County?
- Land area196 sq mi
- Rank by land area among Georgia counties139th of 159
- Width, east to west23.5 mi
- Height, north to south11.6 mi
- Geographies sharing a boundary8
- Residents per square mile of land351
- Establishments per square mile6.33
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.
Spalding County
Flood risk in Spalding County
- Participation of the county's own NFIP community Spalding County, unincorporated areasParticipating, community 130388
- Communities in the county in the NFIP Community Status Book4
- Of those, participating in the NFIP3
- NFIP participation rate75.0 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 Spalding 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 Spalding County (community 130388), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Spalding 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. 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. 75.0 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 Spalding 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 Spalding County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202468,892
- Households26,471
- Average household size2.60
- Median household income$62,071
- Median age39.5
Common questions
Spalding County questions, answered from the record.
How many people live in Spalding County, Georgia?
The Census Bureau estimates 70,292 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 68,892, in 26,471 households, ranking 36th of 159 Georgia counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Spalding County's population growing?
The population has grown 4.44 percent since the 2020 census base of 67,301, to 70,292 on July 1, 2024. In 2024 there were 853 births against 862 deaths, with net migration of 307. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Spalding County?
$62,071. The median owner-occupied home is valued at $228,700, which is 3.7 times income, and median gross rent is $1,113 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Spalding County?
1,240 establishments, employing 17,205 people with an annual payroll of $886.1 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 Spalding County?
Health care and social assistance is the largest private sector at 4,232 jobs, 18.0 percent of covered employment. Covered employment averages 23,477 jobs at an average annual pay of $49,873, or $959 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Spalding County?
48 7(a) approvals totaling $45.0 m since FY2020, across 27 lenders, with a median approval of $524,800, plus 15 504 approvals worth $17.0 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Spalding County?
342 housing units were authorized by permit in 2024, with a declared construction value of $80.2 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Spalding 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 Spalding County come from?
The largest single origin is Henry County, with 513 households. Arriving households report an average income of $51,188 against $48,471 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Spalding 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 Spalding 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.
Spalding County
Cities and places in Spalding.
6 Census places lie wholly or partly in Spalding County. All 6 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 |
|---|---|---|---|---|
| Griffin | city | 23,761 | 47 | Wholly in this county |
| Heron Bay | CDP | 4,595 | None recorded | 33.3 percent here, 66.7 percent Henry County |
| Experiment | CDP | 3,387 | None recorded | Wholly in this county |
| East Griffin | CDP | 1,174 | None recorded | Wholly in this county |
| Sunny Side | CDP | 994 | None recorded | Wholly in this county |
| Orchard Hill | town | 152 | None recorded | Wholly in this county |
A further 1 of the county's 48 SBA 7(a) approvals are to borrowers in cities that match no Census place in Spalding County, the largest being Hampton (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