1st Advantage MortgageIn Calhoun County, Georgia, the typical household earns $46,940 a year and the typical rent is $546. Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Who lives in Calhoun County
- Calhoun County housing compared with Georgia
- Paychecks and income spread in Calhoun County
- Work, industries and travel time in Calhoun County
- Counties near Calhoun County
- Calhoun County towns compared
- Room for a loan payment in Calhoun County
- Borrowing situations common in Calhoun County
- Calhoun County residents: age, schooling, coverage
- Checking a lender's license in Georgia
- A Calhoun County borrower's checklist
- More guides for Calhoun County
- Frequently asked questions
Who lives in Calhoun County
With an estimated 5,498 residents (ACS 2020 to 2024), Calhoun County ranks 149th of 159 in Georgia for population. Land area is 280 square miles (2024 Gazetteer), so density runs near 20 per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Morgan is the biggest of its 4 Census places, at roughly 1,902 people (35% of the county total). Small populations mean wide margins of error, so read every Calhoun County figure on this page as a rough guide.
Calhoun County housing compared with Georgia
A typical Calhoun County rental runs $546 a month including utilities, which is 61% below Georgia. 42% of renting households spend 30% or more of income on rent, and 17% spend half or more. With a median value of $81,000, a typical Calhoun County house costs 1.7 times what the median household earns in a year. The ownership rate is 59%. Median construction year: 1978.
| Calhoun County | Georgia | U.S. county median | |
|---|---|---|---|
| Median gross rent | $546/mo | $1,393/mo | $877/mo |
| Median home value | $81,000 | $303,300 | $185,300 |
| Owners | 59% | 66% | 75% |
| Rent-burdened renters | 42% | 52% | 45% |
| Burdened owners | 14% | 26% | n/a |
Paychecks and income spread in Calhoun County
At $46,940, the typical Calhoun County household income is 29% below the median U.S. county ($65,681). In the state ranking that is 134th of 159.
| Income band | Share in Calhoun County | Difference from Georgia |
|---|---|---|
| Under $35,000 | 42.3% | +20.2 pts |
| $35,000 to $99,999 | 41.5% | +2.0 pts |
| $100,000 to $199,999 | 10.4% | -16.0 pts |
| $200,000 or more | 5.8% | -6.1 pts |
Some 42% of households here live on less than $35,000 a year; 16% have six-figure incomes. 22.8% of residents fall below the federal poverty line (statewide: 13.4%). The Gini index of income inequality is 0.550 (0 is perfect equality). If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Calhoun County median.
Work, industries and travel time in Calhoun County
The biggest employer of Calhoun County residents, by industry, is education and health care at 24% of workers, followed by manufacturing (16%). Agriculture, forestry and mining stands out: 12% of workers here, versus 1% statewide. ACS puts five-year average unemployment at 6.0% in Calhoun County. 19% of commuters travel 45 minutes or more each way, and 10% work from home. 10.7% of households have no vehicle.
| Industry | Share of Calhoun County workers | vs Georgia |
|---|---|---|
| Education and health care | 23.9% | +2.9 pts |
| Manufacturing | 16.4% | +6.3 pts |
| Agriculture, forestry and mining | 11.9% | +11.0 pts |
| Professional and administrative services | 9.6% | -4.0 pts |
| Retail trade | 9.6% | -1.7 pts |
| Public administration | 9.1% | +4.3 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
Counties near Calhoun County
The six counties whose centers lie closest to Calhoun County's, from 17 to 25 miles away. 3 of the six report a higher median household income than Calhoun County; Early County is highest at $54,083 and Randolph County lowest at $28,380.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Calhoun County | - | $46,940 | $546/mo | 59% |
| Baker County, GA | 17 mi | $46,012 | $631/mo | 77% |
| Randolph County, GA | 18 mi | $28,380 | $606/mo | 52% |
| Terrell County, GA | 21 mi | $46,171 | $745/mo | 62% |
| Early County, GA | 21 mi | $54,083 | $791/mo | 67% |
| Clay County, GA | 23 mi | $49,147 | $536/mo | 78% |
| Dougherty County, GA | 25 mi | $49,044 | $935/mo | 45% |
Calhoun County towns compared
Here are the 4 most populous of the county's 4 Census places, with income and rent from the same 2020 to 2024 survey. About 82% of Calhoun County residents live in one of the 4. Incomes vary by place: $48,125 at the median in Arlington, $29,375 in Edison. Median rent ranges from $418 in Edison to $742 in Arlington. Live in one of these Calhoun County communities, or between them? This is your local guide.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Morgan | city | 1,902 | $46,250 | $698 | 2 mi |
| Edison | city | 1,340 | $29,375 | $418 | 7 mi |
| Arlington | city | 1,014 | $48,125 | $742 | 8 mi |
| Leary | city | 264 | $25,750 | n/a | 7 mi |
Room for a loan payment in Calhoun County
How much room does a median Calhoun County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Median income divided by twelve: $3,912 before taxes
- Median rent: $546, or 14 cents of every gross dollar
- At 43%, room after rent is $1,136 a month
Two-income households and single earners in Calhoun County land in very different places on this math, so run it for your own budget.
Borrowing situations common in Calhoun County
Based on the Calhoun County data above, these borrowing questions are most likely to matter locally.
- Uninsured care. 14% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Keeping the car running. At 19% with long commutes, repairs are a frequent Calhoun County emergency; first decide if the car is worth fixing.
- Repairs on manufactured housing. With 23% of homes here, compare a personal loan with any dealer or park repair program.
- 23% below poverty. Emergency aid, payment plans and counseling (list) come first.
Calhoun County residents: age, schooling, coverage
Degree holders: 13% of adults over 25. The uninsured rate is 14.2%, against 12.4% for Georgia.
| Indicator | Calhoun County | All of Georgia | U.S. county median |
|---|---|---|---|
| Median age | 40.2 | 37.6 | 41.5 |
| Bachelor's or higher | 13.0% | 34.9% | 22.2% |
| No high school diploma | 21.1% | 10.8% | n/a |
| No health insurance | 14.2% | 12.4% | 7.8% |
| No vehicle | 10.7% | 5.9% | 5.4% |
| Work from home | 9.5% | 15.9% | 8.7% |
| Poverty rate | 22.8% | 13.4% | 13.2% |
| Unemployment (ACS) | 6.0% | 5.1% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 38.6% |
| 15 to 29 min | 24.2% |
| 30 to 44 min | 18.3% |
| 45 to 59 min | 13.5% |
| 60+ min | 5.4% |
Checking a lender's license in Georgia
Licensing happens at the state level, so a lender working with Calhoun County borrowers answers to the Georgia Department of Banking and Finance. Federal complaints: consumerfinance.gov. Statewide data and rules: Georgia guide.
A Calhoun County borrower's checklist
Quick steps for Calhoun County:
- Get a written quote for whatever you are paying for in Calhoun County.
- Ask each lender for the APR and all fees in writing.
- Verify the Georgia license before giving out your Social Security number.
- Ask a Calhoun County credit union about member loans.
More guides for Calhoun County
The Georgia guide covers the whole state.
Frequently asked questions
How much do households in Calhoun County earn?
The median is $46,940; 16% earn $100,000 or more and 42% under $35,000. A lender uses your own documented income, not this figure.
What do renters pay in Calhoun County?
$546 a month at the median, about 14% of median household income.
Does this page cover Morgan?
Yes, along with the other 3 Census places in Calhoun County, such as Edison, Arlington, Leary.
Can Calhoun County residents use the questionnaire?
Yes. It asks the same questions in every Georgia county, lists every requirement up front and does not affect your credit score.
Where can someone in Calhoun County check a lender's license?
With the Georgia Department of Banking and Finance. If a lender is unlicensed or asks for a fee before funding, walk away.