1st Advantage MortgageThe median Greene County household earns $86,272, and 10% of residents live below the poverty line. 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
- Greene County, GA: the basics
- Rent, home values and ownership in Greene County
- How much Greene County households make
- Work, industries and travel time in Greene County
- Greene County next to its neighbors
- Towns and communities in Greene County
- More Greene County figures
- Reading the Greene County data as a borrower
- Budget math at the Greene County median
- Steps before you apply in Greene County
- Who licenses lenders for Greene County residents
- Related local guides
- Frequently asked questions
Greene County, GA: the basics
With an estimated 20,109 residents (ACS 2020 to 2024), Greene County ranks 89th of 159 in Georgia for population. It covers 388 square miles of land, or about 52 people per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Greensboro is the biggest of its 5 Census places, at roughly 3,609 people (18% of the county total).
Rent, home values and ownership in Greene County
Median gross rent, utilities included, comes to $924 in Greene County versus $1,393 statewide. By the Census definition, 33% of Greene County renters are cost-burdened. Home values center on $394,800, or 4.6 years of median income. Owners occupy 78% of homes. Median construction year: 1997.
| Housing | Greene County | Georgia statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $924/mo | $1,393/mo | $877/mo |
| Median home value | $394,800 | $303,300 | $185,300 |
| Owners | 78% | 66% | 75% |
| Rent-burdened renters | 33% | 52% | 45% |
| Burdened owners | 26% | 26% | n/a |
| Mobile homes | 11.6% | 7.8% | n/a |
| Vacant units | 24% | 10% | n/a |
In an owner-heavy county like Greene County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it.
How much Greene County households make
At $86,272, the typical Greene County household income is 31% above the median U.S. county ($65,681).
| Households earning | Greene County | +/- vs Georgia |
|---|---|---|
| Under $35,000 | 21.7% | -0.4 pts |
| $35,000 to $99,999 | 35.0% | -4.5 pts |
| $100,000 to $199,999 | 25.9% | -0.6 pts |
| $200,000 or more | 17.4% | +5.5 pts |
About 22% of households earn under $35,000, while 43% clear $100,000. The poverty rate is 9.8%, 4 points lower than the state's 13.4%. For a borrower in Greene 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.
Work, industries and travel time in Greene County
Education and health care employs 21% of working residents, the largest share; professional and administrative services is next with 13%. ACS puts five-year average unemployment at 3.4% in Greene County. Long commutes are common here: 23% of workers spend 45 minutes or longer getting to work. 4.4% of households have no vehicle.
| Industry | Share of Greene County workers | vs Georgia |
|---|---|---|
| Education and health care | 21.0% | 0.0 pts |
| Professional and administrative services | 13.2% | -0.4 pts |
| Manufacturing | 12.0% | +2.0 pts |
| Arts, lodging and food service | 9.1% | +0.5 pts |
| Construction | 8.5% | +1.5 pts |
| Retail trade | 8.1% | -3.2 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Greene County next to its neighbors
Distances run center to center, from Taliaferro County at 17 miles out to Oconee County at 24. Oconee County leads the group on income ($121,217), Hancock County trails ($40,082), and Greene County out-earns 5 of the six.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Greene County | - | $86,272 | $924/mo | 78% |
| Taliaferro County, GA | 17 mi | $52,500 | $638/mo | 82% |
| Morgan County, GA | 19 mi | $78,111 | $1,108/mo | 78% |
| Oglethorpe County, GA | 21 mi | $75,034 | $913/mo | 84% |
| Putnam County, GA | 21 mi | $72,096 | $1,002/mo | 81% |
| Hancock County, GA | 23 mi | $40,082 | $938/mo | 79% |
| Oconee County, GA | 24 mi | $121,217 | $1,462/mo | 81% |
Towns and communities in Greene County
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 30% of Greene County residents live in one of the 5. 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 |
|---|---|---|---|---|---|
| Greensboro | city | 3,609 | $39,541 | $758 | 2 mi |
| Union Point | city | 1,704 | $62,011 | $911 | 6 mi |
| Siloam | town | 344 | $24,783 | n/a | 5 mi |
| Woodville | city | 241 | n/a | $915 | 7 mi |
| White Plains | city | 175 | $61,250 | $1,109 | 10 mi |
More Greene County figures
Degree holders: 38% of adults over 25. The uninsured rate is 13.9%, against 12.4% for Georgia.
| People and households | Greene County | Georgia | Median county |
|---|---|---|---|
| Median age | 53.1 | 37.6 | 41.5 |
| Bachelor's or higher | 37.8% | 34.9% | 22.2% |
| No high school diploma | 11.7% | 10.8% | n/a |
| No health insurance | 13.9% | 12.4% | 7.8% |
| No vehicle | 4.4% | 5.9% | 5.4% |
| Work from home | 15.7% | 15.9% | 8.7% |
| Poverty rate | 9.8% | 13.4% | 13.2% |
| Unemployment (ACS) | 3.4% | 5.1% | 4.4% |
| Minutes to work | Greene County workers |
|---|---|
| Under 15 min | 28.0% |
| 15 to 29 min | 35.3% |
| 30 to 44 min | 13.9% |
| 45 to 59 min | 10.2% |
| 60+ min | 12.7% |
Reading the Greene County data as a borrower
What the Greene County figures suggest, and what to check first:
- Hospital bills in Greene County. For the 14% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Keeping the car running. At 23% with long commutes, repairs are a frequent Greene County emergency; first decide if the car is worth fixing.
- Older households. A 53.1 median age means fixed-income borrowing is common; a fixed payment and short term limit risk.
- Six-figure budgets. For the 43% earning $100,000 or more, lifestyle creep, not approval, is the usual problem.
Budget math at the Greene County median
Here is the Greene County median household run through a simple DTI check. Your numbers will differ.
- $86,272 a year is $7,189 of gross monthly income
- Housing at the median rent of $924 uses 13%
- With a 40% ceiling, about $1,952 remains for car, card, student and any new loan payments
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Greene County's.
Steps before you apply in Greene County
A short checklist for Greene County borrowers:
- Size the loan to the bill, not to the most a lender offers.
- Compare the total repaid on every offer, not just the payment.
- A Georgia license check takes minutes; do it first.
- Lock paid-off cards after consolidating so balances stay at zero.
Who licenses lenders for Greene County residents
Licensing happens at the state level, so a lender working with Greene County borrowers answers to the Georgia Department of Banking and Finance. Problems with a lender can also go to the CFPB. The Georgia guide covers state rules in more detail.
Related local guides
The Georgia guide covers the whole state.
Frequently asked questions
What is the median household income in Greene County?
$86,272 a year in the 2020 to 2024 Census survey, versus $77,353 for Georgia. It ranks 18th of 159 in the state.
Is Greene County expensive for renters?
Median rent is $924 against $1,393 statewide, and 33% of renter households are cost-burdened.
Does this page cover Greensboro?
Yes, along with the other 4 Census places in Greene County, such as Union Point, Siloam, Woodville.
Does living in Greene 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 Greene County resident as anyone. Lenders decide under fair-lending law.
Where can someone in Greene County check a lender's license?
With the Georgia Department of Banking and Finance. If a lender is unlicensed or asks for a fee before funding, walk away.