1st Advantage MortgageAbout 39% of Chattahoochee County homes are owner-occupied, and the median household income is $61,042. 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
- Chattahoochee County at a glance
- Jobs and commutes in Chattahoochee County
- Household income in Chattahoochee County
- What it costs to live in Chattahoochee County
- Chattahoochee County and the counties next door
- The communities that make up Chattahoochee County
- A Chattahoochee County household budget, worked through
- Reading the Chattahoochee County data as a borrower
- People and households in Chattahoochee County
- Lender oversight for Chattahoochee County
- Checklist for Chattahoochee County applicants
- More guides for Chattahoochee County
- Frequently asked questions
Chattahoochee County at a glance
With an estimated 8,887 residents (ACS 2020 to 2024), Chattahoochee County ranks 131st of 159 in Georgia for population. Land area is 249 square miles (2024 Gazetteer), so density runs near 36 per square mile. For statistical purposes it belongs to the Columbus, GA-AL metro area, as delineated by the Office of Management and Budget in July 2023. Cusseta-Chattahoochee County, with about 8,887 people, is the only Census place mainly inside the county. Because Chattahoochee County is small, the survey's margins of error are wide; treat the numbers as approximate.
Jobs and commutes in Chattahoochee County
By the Census industry count, 16% of employed Chattahoochee County residents work in professional and administrative services and 16% in retail trade. The sharpest difference from the state is in other services, at 10% locally and 5% for Georgia. Averaged over the five survey years, 9.1% of the labor force was out of work and looking. 1% of commuters travel 45 minutes or more each way, and 9% work from home. Households without a car make up 3.0% of the total (5.9% statewide).
| Sector | Chattahoochee County | Compared with Georgia |
|---|---|---|
| Professional and administrative services | 16.4% | +2.8 pts |
| Retail trade | 15.8% | +4.6 pts |
| Education and health care | 13.5% | -7.5 pts |
| Public administration | 10.1% | +5.3 pts |
| Other services | 10.1% | +5.5 pts |
| Arts, lodging and food service | 7.7% | -0.8 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Household income in Chattahoochee County
At $61,042, the typical Chattahoochee County household income is 7% below the median U.S. county ($65,681). That places it 63rd among Georgia's 159 county-level areas.
| Households earning | Chattahoochee County | +/- vs Georgia |
|---|---|---|
| Under $35,000 | 25.0% | +2.8 pts |
| $35,000 to $99,999 | 47.0% | +7.5 pts |
| $100,000 to $199,999 | 24.9% | -1.6 pts |
| $200,000 or more | 3.2% | -8.7 pts |
The spread is wide: 28% of Chattahoochee County households make $100,000 or more, and 25% make less than $35,000. Census counts 13.9% of Chattahoochee County residents in poverty, against 13.4% across Georgia. Income inequality, measured by the Gini index, comes to 0.398 here. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
What it costs to live in Chattahoochee County
Median gross rent, utilities included, comes to $1,348 in Chattahoochee County versus $1,393 statewide. Rent takes 30% or more of income for 41% of renter households here. With a median value of $102,700, a typical Chattahoochee County house costs 1.7 times what the median household earns in a year. Owners occupy 39% of homes. The median year built is 1981.
| Home costs | Chattahoochee County | Georgia | U.S. middle county |
|---|---|---|---|
| Median gross rent | $1,348/mo | $1,393/mo | $877/mo |
| Median home value | $102,700 | $303,300 | $185,300 |
| Owners | 39% | 66% | 75% |
| Rent-burdened renters | 41% | 52% | 45% |
| Burdened owners | 23% | 26% | n/a |
With renters making up 61% of households, many Chattahoochee County borrowers have no home equity to fall back on, so the cheapest written offer on an unsecured loan matters more.
Chattahoochee County and the counties next door
Distances run center to center, from Muscogee County at 12 miles out to Harris County at 28. Income ranges from $33,250 in Stewart County to $97,302 in Harris County; 1 of these neighbors top Chattahoochee County's median. The list crosses into Alabama, where different lending rules and regulators apply.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Chattahoochee County | - | $61,042 | $1,348/mo | 39% |
| Muscogee County, GA | 12 mi | $58,073 | $1,106/mo | 51% |
| Marion County, GA | 15 mi | $51,667 | $710/mo | 79% |
| Stewart County, GA | 19 mi | $33,250 | $607/mo | 59% |
| Russell County, AL | 24 mi | $51,197 | $939/mo | 61% |
| Webster County, GA | 25 mi | $46,792 | $658/mo | 77% |
| Harris County, GA | 28 mi | $97,302 | $1,048/mo | 89% |
The communities that make up Chattahoochee County
Just one Census place, Cusseta-Chattahoochee County, lies mainly within Chattahoochee County; it holds about 8,887 people. Cusseta-Chattahoochee County has no separate guide, so this county page serves it.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Cusseta-Chattahoochee County | place | 8,887 | $61,042 | $1,348 | 0 mi |
A Chattahoochee County household budget, worked through
The debt-to-income ratio is the main affordability test lenders use. Applied to Chattahoochee County's medians:
- Start: $5,087 gross per month ($61,042 / 12)
- Housing at the median rent of $1,348 uses 26%
- 36% debt-to-income limit: $483 left for all other debt payments
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Chattahoochee County's.
Reading the Chattahoochee County data as a borrower
The county's numbers point to a few situations that come up often for Chattahoochee County borrowers.
- Manufactured homes. 21% of Chattahoochee County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Getting ready. Gather pay stubs or benefit letters before you apply (checklist).
- Check your file. An error fixed before you apply can change the offers a Chattahoochee County borrower sees (free reports).
People and households in Chattahoochee County
Degree holders: 30% of adults over 25. About 6% go without health insurance.
| Residents | Chattahoochee County | Georgia | Middle U.S. county |
|---|---|---|---|
| Median age | 24.4 | 37.6 | 41.5 |
| Bachelor's or higher | 29.6% | 34.9% | 22.2% |
| No high school diploma | 3.5% | 10.8% | n/a |
| No health insurance | 6.1% | 12.4% | 7.8% |
| No vehicle | 3.0% | 5.9% | 5.4% |
| Work from home | 8.7% | 15.9% | 8.7% |
| Poverty rate | 13.9% | 13.4% | 13.2% |
| Unemployment (ACS) | 9.1% | 5.1% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 75.0% |
| 15 to 29 min | 19.0% |
| 30 to 44 min | 5.0% |
| 45 to 59 min | 0.4% |
| 60+ min | 0.7% |
Lender oversight for Chattahoochee County
No county office licenses personal lenders. For Chattahoochee County, check the Georgia Department of Banking and Finance. The Consumer Financial Protection Bureau accepts complaints nationwide. More on Georgia: Georgia personal loans.
Checklist for Chattahoochee County applicants
Four checks before you sign anything:
- Size the loan to the bill, not to the most a lender offers.
- Line up offers side by side: APR, fees in dollars, total cost.
- Look the lender up with the state regulator first.
- Read the final agreement; it must match the offer.
More guides for Chattahoochee County
For statewide rules and data, see the Georgia guide.
Frequently asked questions
How much do households in Chattahoochee County earn?
The median is $61,042; 28% earn $100,000 or more and 25% under $35,000. A lender uses your own documented income, not this figure.
What do renters pay in Chattahoochee County?
$1,348 a month at the median, about 26% of median household income.
Does this page cover Cusseta-Chattahoochee County?
Yes, along with the other 0 Census places in Chattahoochee County.
Is the fit check different in Chattahoochee County?
No. It is identical everywhere, and it never looks at your neighborhood.
Is there a Chattahoochee County office that licenses lenders?
No, licensing is statewide. In Georgia it is the Georgia Department of Banking and Finance.