1st Advantage MortgageIn Haralson County, Georgia, the typical household earns $72,127 a year and the typical rent is $923. County medians do not set your terms. Shop at least three lenders, including a credit union serving Haralson County, and confirm each one's Georgia license.
On this page
- Who lives in Haralson County
- What it costs to live in Haralson County
- Haralson County at the extremes
- Haralson County industries and commutes
- How much Haralson County households make
- Bremen and the rest of Haralson County
- Haralson County, Polk County and other neighbors
- People and households in Haralson County
- Reading the Haralson County data as a borrower
- A Haralson County household budget, worked through
- Four steps for Haralson County borrowers
- Georgia rules that apply in Haralson County
- Other Georgia guides
- Frequently asked questions
Who lives in Haralson County
Roughly 31,285 residents live in Haralson County, Georgia, 60th by population among the state's 159 counties and county equivalents. Packed into 282 square miles, that is close to 111 residents for every square mile of land. It is one of the counties that make up the Atlanta-Sandy Springs-Roswell, GA metropolitan statistical area (OMB, 2023). Largest place: Bremen, about 7,488 residents (24% of Haralson County); 4 Census places in all.
What it costs to live in Haralson County
Renters in Haralson County pay a median of $923 a month, 34% below the Georgia figure of $1,393. Cost-burdened renters, paying 30%-plus of income: 41% in Haralson County, 52% statewide. Haralson County homes are worth $227,500 at the median, a 3.2-to-1 ratio to income. 72% of Haralson County households own their home and 28% rent. The median year built is 1989.
| Home costs | Haralson County | Georgia | Compared with Georgia |
|---|---|---|---|
| Median gross rent | $923/mo | $1,393/mo | 34% lower |
| Median home value | $227,500 | $303,300 | 25% lower |
| Owners | 72% | 66% | +5.9 pts |
| Rent-burdened renters | 41% | 52% | -11.3 pts |
| Burdened owners | 20% | 26% | -5.9 pts |
| Mobile homes | 17.6% | 7.8% | +9.8 pts |
Haralson County at the extremes
The 3 Haralson County numbers that rank furthest from typical in Georgia, and what each means for a borrower:
- On the share of commutes over 45 minutes, Haralson County sits near the top of Georgia at 31%, 13th highest of 159. With long commutes, a reliable car is part of keeping the job.
- On the housing vacancy rate, Haralson County sits near the bottom of Georgia at 8%, 29th lowest of 159. Low vacancy tends to push rents up over time.
- Haralson County ranks 32nd lowest of 159 Georgia counties for households without a vehicle: 3.4%, against 5.9% statewide. Nearly every household has a vehicle, so repair costs are a common reason to borrow.
Haralson County industries and commutes
Top Haralson County industry by residents employed: education and health care, 20%; second, manufacturing, 18%. Manufacturing stands out: 18% of workers here, versus 10% statewide. 4.4% of Haralson County's labor force reported being unemployed, averaged across 2020 to 2024. Commutes of 45 minutes-plus: 31%; under 15 minutes: 20%. No car: 3.4% of Haralson County households.
| Industry (employed residents 16+) | Haralson County | Gap to Georgia |
|---|---|---|
| Education and health care | 19.9% | -1.1 pts |
| Manufacturing | 18.0% | +8.0 pts |
| Construction | 11.4% | +4.4 pts |
| Professional and administrative services | 8.8% | -4.8 pts |
| Retail trade | 7.8% | -3.5 pts |
| Arts, lodging and food service | 6.9% | -1.7 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
How much Haralson County households make
The median household income in Haralson County is $72,127; statewide it is $77,353, so Haralson County runs 7% below Georgia as a whole.
| Household income | Haralson County | vs Georgia |
|---|---|---|
| Under $35,000 | 23.7% | +1.6 pts |
| $35,000 to $99,999 | 43.1% | +3.6 pts |
| $100,000 to $199,999 | 26.4% | -0.1 pts |
| $200,000 or more | 6.8% | -5.1 pts |
Six-figure households (33%) outnumber those under $35,000 (24%) in Haralson County. 15.4% of residents fall below the federal poverty line (statewide: 13.4%). Haralson County scores 0.445 on the Gini index, where higher means more unequal incomes. None of these numbers decides a Haralson County application. Lenders weigh your own documented income against your own debts.
Bremen and the rest of Haralson County
The table lists the 4 largest of 4 Census places in Haralson County, by population. Together all 4 hold about 12,800 people, so roughly 59% of residents live outside any named place. Incomes vary by place: $93,780 at the median in Bremen, $38,393 in Waco. Rent is cheapest in Tallapoosa ($676) and steepest in Buchanan ($986). None of the 4 has its own city guide, so this page covers all of them.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Bremen | city | 7,488 | $93,780 | $951 | 7 mi |
| Tallapoosa | city | 3,227 | $62,599 | $676 | 6 mi |
| Buchanan | city | 1,306 | $52,500 | $986 | 2 mi |
| Waco | city | 779 | $38,393 | $930 | 7 mi |
Haralson County, Polk County and other neighbors
The six counties whose centers lie closest to Haralson County's, from 14 to 31 miles away. Paulding County leads the group on income ($98,031), Cherokee County trails ($53,863), and Haralson County out-earns 3 of the six. The list crosses into Alabama, where different lending rules and regulators apply.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Haralson County | - | $72,127 | $923/mo | 72% |
| Polk County, GA | 14 mi | $58,515 | $918/mo | 66% |
| Carroll County, GA | 17 mi | $73,714 | $1,153/mo | 71% |
| Cleburne County, AL | 19 mi | $55,345 | $798/mo | 79% |
| Paulding County, GA | 22 mi | $98,031 | $1,772/mo | 81% |
| Douglas County, GA | 27 mi | $82,984 | $1,570/mo | 67% |
| Cherokee County, AL | 31 mi | $53,863 | $762/mo | 81% |
People and households in Haralson County
Degree holders: 17% of adults over 25. 11.1% of residents have no health coverage.
| People and households | Haralson County | Compared with Georgia | Compared with median county |
|---|---|---|---|
| Median age | 38.6 | +1.0 yrs | -2.9 yrs |
| Bachelor's or higher | 17.0% | -18.0 pts | -5.2 pts |
| No high school diploma | 15.4% | +4.6 pts | n/a |
| No health insurance | 11.1% | -1.3 pts | +3.2 pts |
| No vehicle | 3.4% | -2.5 pts | -2.1 pts |
| Work from home | 9.6% | -6.3 pts | +0.9 pts |
| Poverty rate | 15.4% | +2.0 pts | +2.2 pts |
| Unemployment (ACS) | 4.4% | -0.7 pts | 0.0 pts |
| Minutes to work | Haralson County workers |
|---|---|
| Under 15 min | 19.8% |
| 15 to 29 min | 28.4% |
| 30 to 44 min | 20.8% |
| 45 to 59 min | 15.6% |
| 60+ min | 15.4% |
Reading the Haralson County data as a borrower
The county's numbers point to a few situations that come up often for Haralson County borrowers.
- Health costs. With 11% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- Keeping the car running. At 31% with long commutes, repairs are a frequent Haralson County emergency; first decide if the car is worth fixing.
- Mobile home upkeep. 18% of units fall in this category; roof, skirting and HVAC jobs are common reasons to borrow.
A Haralson County household budget, worked through
The debt-to-income ratio is the main affordability test lenders use. Applied to Haralson County's medians:
- $6,011 a month: gross income for a household at the Haralson County median
- Less median rent of $923, which is 15% of it
- Under a 35% cap, $2,104 total minus rent leaves $1,181
- 45% debt-to-income limit: $1,782 left for all other debt payments
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Four steps for Haralson County borrowers
Steps that save money for Haralson County residents:
- Borrow the amount the job needs; extra cash adds interest.
- Prequalify with soft pulls where offered, then compare in writing.
- Only work with lenders licensed for Georgia borrowers.
- Ask about early-payoff penalties.
Georgia rules that apply in Haralson County
Haralson County borrowers fall under statewide rules, enforced by the Georgia Department of Banking and Finance. Problems with a lender can also go to the CFPB.
Other Georgia guides
No city in Haralson County has its own guide yet; the state page is next up.
Frequently asked questions
What does a typical Haralson County household make?
About $72,127 a year at the median (ACS 2020-24), 7% below the Georgia median.
What is the median rent in Haralson County, GA?
$923 a month, utilities included, or $11,076 a year.
I live in a small Haralson County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Bremen, Tallapoosa, Buchanan, Waco.
Can Haralson County residents use the questionnaire?
Yes. It asks the same questions in every Georgia county, lists every requirement up front and does not affect your credit score.
How do I know a lender is legitimate in Haralson County?
Look it up with the Georgia Department of Banking and Finance, read the written offer, and refuse any fee before funding.