HomeGeorgiaWare CountyWaycross
Waycross, Georgia: commercial real estate data.
Waycross is a Census city of 13,756 people across 11.88 square miles of land, lying across Ware County and Pierce County. Median household income is $38,301, 46.5 percent of occupied homes are owned, and the SBA record carries 13 7(a) approvals to borrowers here worth $22.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Waycross
What Waycross is
- Census place typecity
- Land area11.88 sq mi
- Water area0.09 sq mi
- Population per square mile of land1,158
- County holding the largest share of its areaWare County, 95.0 percent
- Counties this place lies inWare County 95.0 percent, Pierce County 5.0 percent
Waycross crosses a county line. The split above is measured from the Census boundary of the place against the county boundaries, by area, so it says where the ground is and not where the town hall is.
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waycross
How many people live in Waycross
- Population13,756
- Median age38.0
- Population under 183,951
- Share under 1828.7 percent
- Population 65 and over2,423
- Share 65 and over17.6 percent
- Households5,394
- Family households2,781
- Share of households that are families51.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waycross
Income and work in Waycross
- Median household income$38,301
- Per capita income$19,940
- Civilian labor force4,838
- Employed4,278
- Unemployed560 plus or minus 241
- Unemployment rate11.6 percent plus or minus 4.9
- Adults 25 and over8,773
- Adults 25 and over with a high school diploma or higher80.9 percent
- Adults 25 and over with a bachelor degree or higher16.0 percent plus or minus 3.8
- Adults 25 and over with a graduate degree5.4 percent plus or minus 1.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waycross
Housing in Waycross
- Housing units7,158
- Occupied units5,394
- Vacant units1,764
- Vacancy rate24.6 percent
- Owner occupied2,510
- Renter occupied2,884
- Ownership rate46.5 percent
- Median owner-occupied home value$84,100
- Median gross rent, monthly$768
- Annual rent as a share of median income24.1 percent
- Single family units4,632
- Share single family64.7 percent
- Units in buildings of two or more1,895 plus or minus 397
- Share in buildings of two or more26.5 percent plus or minus 5.4
- Mobile homes631 plus or minus 215
- Median year structure built1969
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waycross
How Waycross gets to work
- Workers 16 and over who commute3,884
- Commuting under 15 minutes1,725 plus or minus 386
- Share commuting under 15 minutes44.4 percent
- Commuting 30 minutes or more761 plus or minus 268
- Share commuting 30 minutes or more19.6 percent plus or minus 6.6
- Drove alone79.6 percent
- Carpooled8.6 percent plus or minus 3.7
- Public transport0.1 percent plus or minus 0.2
- Walked1.3 percent plus or minus 1.1
- Worked from home6.7 percent plus or minus 3.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Waycross
SBA loans in Waycross (7(a))
- Approvals13
- Gross approval$22,812,700
- Average approval$1,754,823
- Median approval$1,114,000
- Largest approval$5,000,000
- Jobs supported225
- Jobs per approval17.3
- Loans with a final outcome4
- Paid in full4
- Charged off0
- Median term270 months
- Share on real estate terms of 20 years or more61.5 percent
- Share to franchises38.5 percent
- Distinct lenders11
- Distinct industries by NAICS10
Counted by borrower city: approvals to borrowers whose address is in Waycross, in any county, FY2020 to FY2026. Only 4 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Waycross
SBA loans in Waycross (504)
- Approvals5
- Gross approval$12,702,000
- Average approval$2,540,400
- Median approval$3,090,000
- Largest approval$4,141,000
- Jobs supported56
- Loans with a final outcome1
- Charged off0
- Median term300 months
- Distinct CDCs4
Counted by borrower city: approvals to borrowers whose address is in Waycross, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Waycross
Flood risk in Waycross
- NFIP communityCity of Waycross
- NFIP community number130186
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/25/09
The City of Waycross participates in the National Flood Insurance Program as community 130186 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Ware County, not Waycross
Ware County context, not Waycross figures
- Establishments in Ware County890
- Covered employment, Ware County14,597
- Average annual pay, Ware County$46,107
- Housing units permitted, Ware County50
Every figure in this section is published for Ware County as a whole and is not a measurement of Waycross.
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.
Coverage
What this page does not hold.
Parcel detail, 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 →
Common questions
Waycross questions, answered from the record.
How many people live in Waycross, Georgia?
13,756, in 5,394 households. Waycross city covers 11.88 square miles of land, which is 1,158 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Waycross in?
Waycross lies in more than one. By area it is 95.0 percent in Ware County, 5.0 percent in Pierce County. This page sits under Ware County because that county holds the largest share. The split is measured from the Census boundary of the place against the county boundaries.
What is the median household income in Waycross?
$38,301. The median owner-occupied home is valued at $84,100. Median gross rent is $768 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Waycross businesses?
13 7(a) approvals totaling $22.8 m since FY2020, across 11 lenders, median approval $1,114,000, plus 5 504 approvals worth $12.7 m since FY2010. These count approvals to borrowers whose address is in Waycross, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Waycross borrowers get paid back?
No rate is published for Waycross. Only 4 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Waycross in the National Flood Insurance Program?
Yes. Waycross appears in the FEMA Community Status Book as Waycross, city of, community 130186, 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 Waycross figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Ware 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 Waycross.
Is zoning published for Waycross?
No. Nothing on this page presents parcel level zoning.
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