1st Advantage MortgageCamden County (56,970 residents) has a $74,378 median household income and $1,235 median rent, by the latest Census five-year survey. For a Camden County borrower, the useful steps are the same anywhere: price the need, gather three written offers, and check the Georgia license.
On this page
- 56,970 residents: Camden County basics
- How Camden County ranks in Georgia
- Rent, home values and ownership in Camden County
- Paychecks and income spread in Camden County
- Jobs and commutes in Camden County
- Camden County communities by population
- The counties around Camden County
- Debt-to-income at Camden County's medians
- Local borrowing considerations for Camden County
- More Camden County figures
- Georgia lender licensing
- Four steps for Camden County borrowers
- Related local guides
- Frequently asked questions
56,970 residents: Camden County basics
The latest five-year Census estimate puts Camden County's population at 56,970; only 40 of Georgia's 159 county-level areas are larger. Its 630 square miles average 90 people per square mile, by the 2024 Census Gazetteer. Camden County is classed as nonmetropolitan in the OMB's July 2023 list. Kingsland (19,627 people) heads the county's list of 5 Census places, 3 incorporated and 2 census-designated.
How Camden County ranks in Georgia
The 3 Camden County numbers that rank furthest from typical in Georgia, and what each means for a borrower:
- On median age, Camden County sits near the bottom of Georgia at 34.7, 10th lowest of 159. Younger borrowers often have thin credit files; a co-signer or credit union may help.
- On the uninsured rate, Camden County sits near the bottom of Georgia at 8.9%, 14th lowest of 159. Lower uninsured rates still leave deductibles; check what a plan covers first.
- Median gross rent: $1,235/mo in Camden County. Only 24 of 159 Georgia counties are higher. High rent is the first thing a lender's ratio will see.
Rent, home values and ownership in Camden County
Camden County rent at the median: $1,235 a month, utilities in ($1,393 in Georgia). By the Census definition, 50% of Camden County renters are cost-burdened. Camden County homes are worth $261,400 at the median, a 3.5-to-1 ratio to income. 68% of Camden County households own their home and 32% rent. Median construction year: 1995.
| Measure | Camden County | Georgia | Gap |
|---|---|---|---|
| Mobile homes | 10.3% | 7.8% | +2.5 pts |
| Rent-burdened renters | 50% | 52% | -2.4 pts |
| Owners | 68% | 66% | +2.1 pts |
| Vacant units | 8% | 10% | -1.9 pts |
| Median home value | $261,400 | $303,300 | 14% lower |
| Median gross rent | $1,235/mo | $1,393/mo | 11% lower |
| Burdened owners | 25% | 26% | -1.0 pts |
Rent pressure is real here, so run any payment through the debt-to-income calculator before you apply.
Paychecks and income spread in Camden County
The median household income in Camden County is $74,378; statewide it is $77,353, so Camden County runs 4% below Georgia as a whole. In the state ranking that is 38th of 159.
| Band | Camden County | Compared with Georgia |
|---|---|---|
| Under $35,000 | 19.7% | -2.5 pts |
| $35,000 to $99,999 | 46.6% | +7.1 pts |
| $100,000 to $199,999 | 26.7% | +0.3 pts |
| $200,000 or more | 7.0% | -4.9 pts |
Six-figure households (34%) outnumber those under $35,000 (20%) in Camden County. The poverty rate is 12.9%, 1 point lower than the state's 13.4%. Income inequality, measured by the Gini index, comes to 0.393 here. None of these numbers decides a Camden County application. Lenders weigh your own documented income against your own debts.
Jobs and commutes in Camden County
Education and health care (19%), retail trade (13%) and public administration (11%) lead Camden County's job mix. Camden County over-indexes on public administration: 11% versus 5% in Georgia. The survey's unemployment rate for Camden County averages 5.4% over 2020 to 2024 (state: 5.1%). Long commutes are common here: 23% of workers spend 45 minutes or longer getting to work. 965 Camden County households, 4.4%, have no vehicle.
| Sector | Camden County | Compared with Georgia |
|---|---|---|
| Education and health care | 19.3% | -1.7 pts |
| Retail trade | 12.8% | +1.5 pts |
| Public administration | 10.8% | +6.0 pts |
| Arts, lodging and food service | 10.7% | +2.1 pts |
| Professional and administrative services | 10.2% | -3.4 pts |
| Manufacturing | 10.1% | +0.1 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Camden County should have bank statements and tax returns ready.
Camden County communities by population
5 Census places fall mainly inside Camden County; the 5 biggest are below. They account for 42,508 residents, leaving about 25% of the county in unincorporated, unnamed areas. Kings Bay Base ($78,000) and Woodbine ($46,250) mark the top and bottom of Camden County's income range among larger places. Rent is cheapest in Woodbine ($901) and steepest in Kings Bay Base ($1,587). None of the 5 has its own city guide, so this page covers all of them.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Kingsland | city | 19,627 | $77,944 | $1,275 | 10 mi |
| St. Marys | city | 19,166 | $74,288 | $1,183 | 11 mi |
| Kings Bay Base | CDP | 2,210 | $78,000 | $1,587 | 9 mi |
| Woodbine | city | 1,399 | $46,250 | $901 | 6 mi |
| Waverly | CDP | 106 | n/a | n/a | 14 mi |
The counties around Camden County
Glynn County is closest, 22 miles from center to center; the sixth, McIntosh County, is 43 miles off. Income ranges from $50,273 in McIntosh County to $89,804 in Nassau County; 1 of these neighbors top Camden County's median. Some neighbors are in Florida. Lender licensing is state by state, so a loan for a Camden County resident follows Georgia rules.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Camden County | - | $74,378 | $1,235/mo | 68% |
| Glynn County, GA | 22 mi | $69,799 | $1,135/mo | 67% |
| Nassau County, FL | 22 mi | $89,804 | $1,526/mo | 83% |
| Brantley County, GA | 28 mi | $58,239 | $755/mo | 80% |
| Charlton County, GA | 31 mi | $61,276 | $540/mo | 80% |
| Duval County, FL | 40 mi | $71,277 | $1,475/mo | 58% |
| McIntosh County, GA | 43 mi | $50,273 | $800/mo | 80% |
Debt-to-income at Camden County's medians
How much room does a median Camden County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- $6,198 a month: gross income for a household at the Camden County median
- Less median rent of $1,235, which is 20% of it
- At 43%, room after rent is $1,430 a month
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Camden County's.
Local borrowing considerations for Camden County
Based on the Camden County data above, these borrowing questions are most likely to matter locally.
- Long drives. With 23% of commutes over 45 minutes, tires and repairs are fixed costs in many Camden County budgets.
- Tight rental budgets. With 50% of Camden County renters cost-burdened, test a new payment against a lean month.
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
More Camden County figures
Degree holders: 25% of adults over 25. About 9% go without health insurance.
| Camden County | vs Georgia | vs U.S. county median | |
|---|---|---|---|
| Bachelor's or higher | 24.6% | -10.4 pts | +2.4 pts |
| Work from home | 11.1% | -4.8 pts | +2.4 pts |
| No high school diploma | 6.3% | -4.5 pts | n/a |
| No health insurance | 8.9% | -3.5 pts | +1.0 pts |
| Median age | 34.7 | -2.9 yrs | -6.8 yrs |
| No vehicle | 4.4% | -1.4 pts | -1.0 pts |
| Poverty rate | 12.9% | -0.5 pts | -0.3 pts |
| Unemployment (ACS) | 5.4% | +0.2 pts | +1.0 pts |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 24.8% |
| 15 to 29 min | 35.2% |
| 30 to 44 min | 17.2% |
| 45 to 59 min | 14.6% |
| 60+ min | 8.2% |
Georgia lender licensing
Before sharing details with a lender, a Camden County resident can confirm its license with the Georgia Department of Banking and Finance. A CFPB complaint gets forwarded to the company for a response. The Georgia page has statewide figures to set beside Camden County's.
Four steps for Camden County borrowers
Four checks before you sign anything:
- Write down what the expense costs; a smaller loan costs less.
- Compare the total repaid on every offer, not just the payment.
- Only work with lenders licensed for Georgia borrowers.
- Lock paid-off cards after consolidating so balances stay at zero.
Related local guides
The Georgia guide covers the whole state.
Frequently asked questions
What does a typical Camden County household make?
About $74,378 a year at the median (ACS 2020-24), 4% below the Georgia median.
Is Camden County expensive for renters?
Median rent is $1,235 against $1,393 statewide, and 50% of renter households are cost-burdened.
I live in a small Camden County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Kingsland, St. Marys, Kings Bay Base, Woodbine, Waverly.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Camden County or elsewhere in Georgia, the same rules apply.
How do I know a lender is legitimate in Camden County?
Look it up with the Georgia Department of Banking and Finance, read the written offer, and refuse any fee before funding.