1st Advantage MortgageClinch County households have a median income of $45,847 and median rent of $509 a month (ACS 2020 to 2024). A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Georgia license first.
On this page
- Clinch County by the numbers
- Rent, home values and ownership in Clinch County
- What Clinch County households earn
- Work, industries and travel time in Clinch County
- Regional comparison for Clinch County
- Clinch County towns compared
- People and households in Clinch County
- What the numbers mean for Clinch County borrowers
- What a median Clinch County budget can carry
- Licensing and complaints for Clinch County
- Steps before you apply in Clinch County
- Nearby and statewide guides
- Frequently asked questions
Clinch County by the numbers
With an estimated 6,759 residents (ACS 2020 to 2024), Clinch County ranks 144th of 159 in Georgia for population. Spread over 815 square miles, that works out to roughly 8.3 residents per square mile. No metropolitan area includes Clinch County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Of the 5 Census places inside Clinch County, Homerville leads by population with about 2,432; 4 of the 5 are incorporated. Because Clinch County is small, the survey's margins of error are wide; treat the numbers as approximate.
Rent, home values and ownership in Clinch County
Median gross rent, utilities included, comes to $509 in Clinch County versus $1,393 statewide. Rent takes 30% or more of income for 37% of renter households here. Home values center on $84,400, or 1.8 years of median income. Owners occupy 71% of homes. Median construction year: 1980.
| Clinch County | Georgia | U.S. county median | |
|---|---|---|---|
| Median gross rent | $509/mo | $1,393/mo | $877/mo |
| Median home value | $84,400 | $303,300 | $185,300 |
| Owners | 71% | 66% | 75% |
| Rent-burdened renters | 37% | 52% | 45% |
| Burdened owners | 7% | 26% | n/a |
| Mobile homes | 28.0% | 7.8% | n/a |
| Vacant units | 20% | 10% | n/a |
What Clinch County households earn
Clinch County households have a median income of $45,847 (ACS 2020 to 2024), which ranks 141st of 159 in Georgia.
| Band | Clinch County | Compared with Georgia |
|---|---|---|
| Under $35,000 | 41.3% | +19.2 pts |
| $35,000 to $99,999 | 36.4% | -3.2 pts |
| $100,000 to $199,999 | 18.2% | -8.3 pts |
| $200,000 or more | 4.1% | -7.7 pts |
The spread is wide: 22% of Clinch County households make $100,000 or more, and 41% make less than $35,000. Census counts 26.1% of Clinch County residents in poverty, against 13.4% across Georgia. If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Clinch County median.
Work, industries and travel time in Clinch County
By the Census industry count, 20% of employed Clinch County residents work in manufacturing and 19% in education and health care. Compared with Georgia, the county leans toward agriculture, forestry and mining (15% against 1%). ACS puts five-year average unemployment at 2.1% in Clinch County. 18% of commuters travel 45 minutes or more each way, and 5% work from home. 14.6% of households have no vehicle.
| Top industries | Clinch County share | +/- vs Georgia |
|---|---|---|
| Manufacturing | 20.0% | +9.9 pts |
| Education and health care | 19.4% | -1.6 pts |
| Agriculture, forestry and mining | 15.1% | +14.1 pts |
| Public administration | 8.5% | +3.7 pts |
| Retail trade | 7.4% | -3.9 pts |
| Other services | 6.8% | +2.2 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Clinch County should have bank statements and tax returns ready.
Regional comparison for Clinch County
Nearest neighbors first, measured between county centers (18 to 34 miles). Echols County leads the group on income ($59,489), Atkinson County trails ($42,347), and Clinch County out-earns 1 of the six. The list crosses into Florida, where different lending rules and regulators apply.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Clinch County | - | $45,847 | $509/mo | 71% |
| Echols County, GA | 18 mi | $59,489 | $1,017/mo | 76% |
| Ware County, GA | 19 mi | $47,448 | $789/mo | 63% |
| Lanier County, GA | 23 mi | $47,186 | $913/mo | 73% |
| Atkinson County, GA | 28 mi | $42,347 | $657/mo | 62% |
| Hamilton County, FL | 33 mi | $50,144 | $724/mo | 80% |
| Lowndes County, GA | 34 mi | $58,541 | $1,052/mo | 57% |
Clinch County towns compared
Here are the 5 most populous of the county's 5 Census places, with income and rent from the same 2020 to 2024 survey. About 55% of Clinch County residents live in one of the 5. This guide covers each of the 5 places and the rural areas around them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Homerville | city | 2,432 | $35,671 | $425 | 9 mi |
| Argyle | town | 573 | n/a | n/a | 11 mi |
| Fargo | city | 512 | $72,990 | n/a | 18 mi |
| Du Pont | town | 197 | $26,384 | n/a | 11 mi |
| Cogdell | CDP | 0 | n/a | n/a | 17 mi |
People and households in Clinch County
9% of Clinch County adults 25 and older hold a bachelor's degree or more. 22.0% of residents have no health coverage.
| Clinch County | Georgia | U.S. county median | |
|---|---|---|---|
| Median age | 37.7 | 37.6 | 41.5 |
| Bachelor's or higher | 9.1% | 34.9% | 22.2% |
| No high school diploma | 21.8% | 10.8% | n/a |
| No health insurance | 22.0% | 12.4% | 7.8% |
| No vehicle | 14.6% | 5.9% | 5.4% |
| Work from home | 5.4% | 15.9% | 8.7% |
| Poverty rate | 26.1% | 13.4% | 13.2% |
| Unemployment (ACS) | 2.1% | 5.1% | 4.4% |
| One-way commute | Share of Clinch County workers |
|---|---|
| Under 15 min | 34.2% |
| 15 to 29 min | 25.0% |
| 30 to 44 min | 22.8% |
| 45 to 59 min | 4.9% |
| 60+ min | 13.1% |
What the numbers mean for Clinch County borrowers
What the Clinch County figures suggest, and what to check first:
- Medical bills. 22% of Clinch County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Long drives. With 18% of commutes over 45 minutes, tires and repairs are fixed costs in many Clinch County budgets.
- 28% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- Lower-cost alternatives. In a county with 26% in poverty, nonprofit credit counseling may beat a loan (options).
What a median Clinch County budget can carry
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Clinch County household at the medians it works out like this; treat it as an illustration only.
- $45,847 a year is $3,821 of gross monthly income
- Rent at the median, $509, takes 13% of that
- At 43%, room after rent is $1,134 a month
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
Licensing and complaints for Clinch County
Consumer lenders serving Clinch County are licensed by the state, not the county; in Georgia that is the Georgia Department of Banking and Finance. Problems with a lender can also go to the CFPB. More on Georgia: Georgia personal loans.
Steps before you apply in Clinch County
Four checks before you sign anything:
- Get a written quote for whatever you are paying for in Clinch County.
- Line up offers side by side: APR, fees in dollars, total cost.
- Check the license, then the reviews, then the offer.
- Pick the shortest term whose payment still fits.
Nearby and statewide guides
For statewide rules and data, see the Georgia guide.
Frequently asked questions
What does a typical Clinch County household make?
About $45,847 a year at the median (ACS 2020-24), 41% below the Georgia median.
Is Clinch County expensive for renters?
Median rent is $509 against $1,393 statewide, and 37% of renter households are cost-burdened.
I live in a small Clinch County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Homerville, Argyle, Fargo, Du Pont, Cogdell.
Are Clinch County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.
Who regulates personal lenders for Clinch County residents?
The Georgia Department of Banking and Finance licenses consumer lenders in Georgia; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.