1st Advantage MortgageIn Floyd County, Georgia, the typical household earns $65,565 a year and the typical rent is $1,014. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Getting oriented in Floyd County
- How much Floyd County households make
- Jobs and commutes in Floyd County
- Rent, home values and ownership in Floyd County
- Regional comparison for Floyd County
- Places inside Floyd County
- Floyd County households compared
- Borrowing situations common in Floyd County
- Room for a loan payment in Floyd County
- Checklist for Floyd County applicants
- Who licenses lenders for Floyd County residents
- Nearby and statewide guides
- Frequently asked questions
Getting oriented in Floyd County
Floyd County is home to about 99,693 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 27th most populous of 159 county-level areas in Georgia. Land area is 510 square miles (2024 Gazetteer), so density runs near 196 per square mile. The federal metro definitions (OMB, July 2023) place it in the Rome, GA metropolitan area. Of the 5 Census places inside Floyd County, Rome leads by population with about 38,189; 2 of the 5 are incorporated.
How much Floyd County households make
Half of Floyd County households take in less than $65,565 a year and half take in more, 15% below the Georgia median of $77,353. In the state ranking that is 56th of 159.
| Band | Floyd County | Compared with Georgia |
|---|---|---|
| Under $35,000 | 26.1% | +3.9 pts |
| $35,000 to $99,999 | 42.1% | +2.6 pts |
| $100,000 to $199,999 | 25.2% | -1.3 pts |
| $200,000 or more | 6.6% | -5.2 pts |
The spread is wide: 32% of Floyd County households make $100,000 or more, and 26% make less than $35,000. 16.0% of residents fall below the federal poverty line (statewide: 13.4%). The Gini index of income inequality is 0.468 (0 is perfect equality). For a borrower in Floyd County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
Jobs and commutes in Floyd County
By the Census industry count, 26% of employed Floyd County residents work in education and health care and 17% in manufacturing. Manufacturing stands out: 17% of workers here, versus 10% statewide. ACS puts five-year average unemployment at 4.2% in Floyd County. Long commutes are the exception here: 12% of workers spend 45 minutes or longer getting to work. Only 7.3% of homes here go without a vehicle.
| Industry | Share of Floyd County workers | vs Georgia |
|---|---|---|
| Education and health care | 25.5% | +4.5 pts |
| Manufacturing | 17.4% | +7.4 pts |
| Retail trade | 10.7% | -0.6 pts |
| Professional and administrative services | 9.3% | -4.3 pts |
| Arts, lodging and food service | 9.3% | +0.7 pts |
| Construction | 6.9% | 0.0 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Floyd County should have bank statements and tax returns ready.
Rent, home values and ownership in Floyd County
A typical Floyd County rental runs $1,014 a month including utilities, which is 27% below Georgia. Rent takes 30% or more of income for 49% of renter households here. The median owner-occupied home is valued at $217,900, about 3.3 times the median household income. Owners occupy 64% of homes. Median construction year: 1978.
| Measure | Floyd County | Georgia | Median U.S. county |
|---|---|---|---|
| Median gross rent | $1,014/mo | $1,393/mo | $877/mo |
| Median home value | $217,900 | $303,300 | $185,300 |
| Owners | 64% | 66% | 75% |
| Rent-burdened renters | 49% | 52% | 45% |
| Burdened owners | 23% | 26% | n/a |
| Mobile homes | 7.3% | 7.8% | n/a |
Regional comparison for Floyd County
Six nearby counties, 16 to 31 miles away by the straight-line distance between their centers. Paulding County leads the group on income ($98,031), Chattooga County trails ($50,285), and Floyd County out-earns 4 of the six. The list crosses into Alabama, where different lending rules and regulators apply.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Floyd County | - | $65,565 | $1,014/mo | 64% |
| Chattooga County, GA | 16 mi | $50,285 | $790/mo | 67% |
| Polk County, GA | 19 mi | $58,515 | $918/mo | 66% |
| Bartow County, GA | 22 mi | $82,243 | $1,268/mo | 73% |
| Gordon County, GA | 26 mi | $63,650 | $937/mo | 74% |
| Cherokee County, AL | 29 mi | $53,863 | $762/mo | 81% |
| Paulding County, GA | 31 mi | $98,031 | $1,772/mo | 81% |
Places inside Floyd County
5 Census places fall mainly inside Floyd County; the 5 biggest are below. They account for 47,217 residents, leaving about 53% of the county in unincorporated, unnamed areas. Among places of 500 or more people, median income runs from $43,561 in Lindale to $80,722 in Shannon. This guide covers each of the 5 places and the rural areas around them.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Rome | city | 38,189 | $54,435 | $1,032 | 2 mi |
| Lindale | CDP | 4,289 | $43,561 | $1,065 | 6 mi |
| Shannon | CDP | 2,012 | $80,722 | $1,090 | 9 mi |
| Berry College | CDP | 1,647 | n/a | n/a | 2 mi |
| Cave Spring | city | 1,080 | $50,882 | $866 | 13 mi |
CDPs are unincorporated communities the Census Bureau defines for counting.
Floyd County households compared
Degree holders: 26% of adults over 25. About 13% go without health insurance.
| Indicator | Floyd County | All of Georgia | U.S. county median |
|---|---|---|---|
| Median age | 38.2 | 37.6 | 41.5 |
| Bachelor's or higher | 25.9% | 34.9% | 22.2% |
| No high school diploma | 15.3% | 10.8% | n/a |
| No health insurance | 13.5% | 12.4% | 7.8% |
| No vehicle | 7.3% | 5.9% | 5.4% |
| Work from home | 7.5% | 15.9% | 8.7% |
| Poverty rate | 16.0% | 13.4% | 13.2% |
| Unemployment (ACS) | 4.2% | 5.1% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 29.4% |
| 15 to 29 min | 42.5% |
| 30 to 44 min | 15.6% |
| 45 to 59 min | 5.9% |
| 60+ min | 6.5% |
Borrowing situations common in Floyd County
The county's numbers point to a few situations that come up often for Floyd County borrowers.
- Health costs. With 13% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- Renters under pressure. When 49% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
- Paperwork. ID, proof of income and a bank account are the basics (requirements).
Room for a loan payment in Floyd County
Here is the Floyd County median household run through a simple DTI check. Your numbers will differ.
- Monthly gross at the median, Floyd County: $5,464
- 19% goes to median rent ($1,014)
- 35% debt-to-income limit: $898 left for all other debt payments
- $1,445: what a 45% ratio leaves once rent is paid
If your rent is above $1,014, the room shrinks dollar for dollar.
Checklist for Floyd County applicants
Before you apply, wherever you live in Floyd County:
- Write down what the expense costs; a smaller loan costs less.
- Ask each lender for the APR and all fees in writing.
- Look the lender up with the state regulator first.
- Confirm the first due date before setting up autopay.
Who licenses lenders for Floyd County residents
The Georgia Department of Banking and Finance is the place to verify any lender's Georgia license. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. More on Georgia: Georgia personal loans.
Nearby and statewide guides
For statewide rules and data, see the Georgia guide.
Frequently asked questions
What does a typical Floyd County household make?
About $65,565 a year at the median (ACS 2020-24), 15% below the Georgia median.
What do renters pay in Floyd County?
$1,014 a month at the median, about 19% of median household income.
Which towns does the Floyd County guide cover?
Every community in the county, unincorporated areas included. The largest of its 5 Census places: Rome, Lindale, Shannon, Berry College, Cave Spring.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Floyd County or elsewhere in Georgia, the same rules apply.
Who do I complain to about a lender in Floyd County?
Start with the Georgia Department of Banking and Finance, then the CFPB complaint portal. Keep copies of every message.