1st Advantage MortgageColquitt County households have a median income of $49,341 and median rent of $818 a month (ACS 2020 to 2024). County medians do not set your terms. Shop at least three lenders, including a credit union serving Colquitt County, and confirm each one's Georgia license.
On this page
- A quick profile of Colquitt County
- Where Colquitt County differs from the rest of Georgia
- What Colquitt County households earn
- The Colquitt County job picture
- Where Colquitt County households live
- How Colquitt County compares with nearby counties
- Moultrie and the rest of Colquitt County
- What a median Colquitt County budget can carry
- Before borrowing in Colquitt County
- Colquitt County residents: age, schooling, coverage
- Who licenses lenders for Colquitt County residents
- Steps before you apply in Colquitt County
- Beyond Colquitt County
- Frequently asked questions
A quick profile of Colquitt County
Colquitt County is home to about 46,224 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 45th most populous of 159 county-level areas in Georgia. Packed into 547 square miles, that is close to 84 residents for every square mile of land. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. The Census Bureau counts 6 places in the county (6 incorporated, 0 census-designated); the largest is Moultrie, with about 14,588 residents, or 32% of the county.
Where Colquitt County differs from the rest of Georgia
Out of every Georgia county, Colquitt County is most unusual on these measures.
- On the uninsured rate, Colquitt County sits near the top of Georgia at 20.5%, 10th highest of 159. Hospital payment plans are usually interest-free; compare before a loan.
- On the share of commutes over 45 minutes, Colquitt County sits near the bottom of Georgia at 12%, 28th lowest of 159. Less driving means fewer surprise repair bills.
- Colquitt County ranks 31st lowest of 159 Georgia counties for median household income: $49,341, against $77,353 statewide. A lean local median makes the size of the loan the most important choice.
- On the poverty rate, Colquitt County sits near the top of Georgia at 22.9%, 32nd highest of 159. Free help, such as utility and rent assistance, should come before any loan.
What Colquitt County households earn
Half of Colquitt County households take in less than $49,341 a year and half take in more, 36% below the Georgia median of $77,353. In the state ranking that is 129th of 159.
| Households earning | Colquitt County | +/- vs Georgia |
|---|---|---|
| Under $35,000 | 35.0% | +12.8 pts |
| $35,000 to $99,999 | 41.8% | +2.3 pts |
| $100,000 to $199,999 | 19.0% | -7.5 pts |
| $200,000 or more | 4.2% | -7.7 pts |
35% under $35,000 and 23% at $100,000 or more: that is the Colquitt County income split. 22.9% of residents fall below the federal poverty line (statewide: 13.4%). Gini index for Colquitt County: 0.453. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
The Colquitt County job picture
By the Census industry count, 25% of employed Colquitt County residents work in education and health care and 13% in manufacturing. Colquitt County over-indexes on agriculture, forestry and mining: 12% versus 1% in Georgia. The survey's unemployment rate for Colquitt County averages 4.3% over 2020 to 2024 (state: 5.1%). Commutes of 45 minutes-plus: 12%; under 15 minutes: 39%. 1,040 Colquitt County households, 6.2%, have no vehicle.
| Top industries | Colquitt County share | +/- vs Georgia |
|---|---|---|
| Education and health care | 25.1% | +4.1 pts |
| Manufacturing | 12.8% | +2.8 pts |
| Agriculture, forestry and mining | 11.7% | +10.8 pts |
| Retail trade | 10.7% | -0.6 pts |
| Construction | 6.1% | -0.9 pts |
| Transportation, warehousing and utilities | 5.7% | -1.5 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Where Colquitt County households live
Median gross rent, utilities included, comes to $818 in Colquitt County versus $1,393 statewide. By the Census definition, 44% of Colquitt County renters are cost-burdened. The median owner-occupied home is valued at $121,400, about 2.5 times the median household income. The ownership rate is 64%. Half the housing stock was built before 1986.
| Cost | Colquitt County | Georgia figure | Higher or lower |
|---|---|---|---|
| Rent-burdened renters | 44% | 52% | -8.1 pts |
| Median home value | $121,400 | $303,300 | 60% lower |
| Median gross rent | $818/mo | $1,393/mo | 41% lower |
| Vacant units | 13% | 10% | +3.1 pts |
| Owners | 64% | 66% | -2.0 pts |
| Burdened owners | 26% | 26% | +0.1 pts |
How Colquitt County compares with nearby counties
Six nearby counties, 20 to 28 miles away by the straight-line distance between their centers. Richest neighbor: Thomas County, $60,736. Poorest: Brooks County, $46,807. Colquitt County: $49,341.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Colquitt County | - | $49,341 | $818/mo | 64% |
| Cook County, GA | 20 mi | $53,651 | $956/mo | 66% |
| Tift County, GA | 23 mi | $53,255 | $777/mo | 61% |
| Thomas County, GA | 24 mi | $60,736 | $1,018/mo | 64% |
| Mitchell County, GA | 25 mi | $57,613 | $797/mo | 65% |
| Worth County, GA | 25 mi | $58,694 | $864/mo | 74% |
| Brooks County, GA | 28 mi | $46,807 | $809/mo | 72% |
Moultrie and the rest of Colquitt County
6 Census places fall mainly inside Colquitt County; the 6 biggest are below. They account for 18,199 residents, leaving about 61% of the county in unincorporated, unnamed areas. Funston ($60,938) and Moultrie ($43,670) mark the top and bottom of Colquitt County's income range among larger places. Median rent ranges from $790 in Moultrie to $1,000 in Funston. Moultrie and every other Colquitt County community use this county guide.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Moultrie | city | 14,588 | $43,670 | $790 | 1 mi |
| Norman Park | city | 1,116 | $50,529 | $867 | 7 mi |
| Doerun | city | 961 | $44,167 | $833 | 13 mi |
| Funston | city | 732 | $60,938 | $1,000 | 7 mi |
| Berlin | city | 535 | $52,458 | $913 | 12 mi |
| Ellenton | town | 267 | $55,795 | $895 | 11 mi |
What a median Colquitt County budget can carry
DTI math using Colquitt County medians ($49,341 income, $818 rent):
- Monthly gross at the median, Colquitt County: $4,112
- Rent at the median, $818, takes 20% of that
- At 35%, room after rent is $621 a month
- At 45%, room after rent is $1,032 a month
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Before borrowing in Colquitt County
- Medical bills. 20% of Colquitt County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- 24% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- 23% below poverty. Emergency aid, payment plans and counseling (list) come first.
Colquitt County residents: age, schooling, coverage
Degree holders: 16% of adults over 25. Uninsured, Colquitt County: 20.5%; Georgia: 12.4%.
| People and households | Colquitt County | Compared with Georgia | Compared with median county |
|---|---|---|---|
| Bachelor's or higher | 15.5% | -19.4 pts | -6.6 pts |
| Work from home | 5.9% | -10.0 pts | -2.7 pts |
| Poverty rate | 22.9% | +9.5 pts | +9.7 pts |
| No high school diploma | 19.3% | +8.6 pts | n/a |
| No health insurance | 20.5% | +8.1 pts | +12.7 pts |
| Unemployment (ACS) | 4.3% | -0.9 pts | -0.1 pts |
| Median age | 37.2 | -0.4 yrs | -4.3 yrs |
| No vehicle | 6.2% | +0.3 pts | +0.8 pts |
| Commute length | Colquitt County |
|---|---|
| Under 15 min | 38.8% |
| 15 to 29 min | 34.6% |
| 30 to 44 min | 14.9% |
| 45 to 59 min | 7.3% |
| 60+ min | 4.5% |
Who licenses lenders for Colquitt County residents
Colquitt County borrowers fall under statewide rules, enforced by the Georgia Department of Banking and Finance. Nationally, Colquitt County residents can file with the CFPB. State-level detail for Colquitt County borrowers is in the Georgia guide.
Steps before you apply in Colquitt County
Quick steps for Colquitt County:
- Borrow the amount the job needs; extra cash adds interest.
- Collect three written offers and compare APR and total repaid.
- Confirm the lender is licensed in Georgia.
- Lock paid-off cards after consolidating so balances stay at zero.
Beyond Colquitt County
For statewide rules and data, see the Georgia guide.
Frequently asked questions
What is the median household income in Colquitt County?
$49,341 a year in the 2020 to 2024 Census survey, versus $77,353 for Georgia. It ranks 129th of 159 in the state.
How much is rent in Colquitt County?
Median gross rent, utilities included, is $818 a month; 44% of renters spend 30% or more of income on it.
I live in a small Colquitt County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Moultrie, Norman Park, Doerun, Funston, Berlin and 1 more.
Does living in Colquitt County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Colquitt County resident as anyone. Lenders decide under fair-lending law.
What agency protects Colquitt County borrowers?
The Georgia Department of Banking and Finance at the state level and the CFPB federally.