1st Advantage MortgageIn Henry County, Georgia, the typical household earns $83,146 a year and the typical rent is $1,674. Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Getting oriented in Henry County
- What Henry County households earn
- Jobs and commutes in Henry County
- Housing costs in Henry County
- The counties around Henry County
- Henry County towns compared
- Debt-to-income at Henry County's medians
- What the numbers mean for Henry County borrowers
- More Henry County figures
- Lender oversight for Henry County
- A Henry County borrower's checklist
- Related local guides
- Frequently asked questions
Getting oriented in Henry County
With an estimated 249,960 residents (ACS 2020 to 2024), Henry County ranks 9th of 159 in Georgia for population. It covers 319 square miles of land, or about 784 people per square mile. It is one of the counties that make up the Atlanta-Sandy Springs-Roswell, GA metropolitan statistical area (OMB, 2023). Stockbridge is the biggest of its 4 Census places, at roughly 35,737 people (14% of the county total).
What Henry County households earn
The median household income in Henry County is $83,146; statewide it is $77,353, so Henry County runs 7% above Georgia as a whole. In the state ranking that is 21st of 159.
| Households earning | Henry County | +/- vs Georgia |
|---|---|---|
| Under $35,000 | 13.7% | -8.4 pts |
| $35,000 to $99,999 | 46.7% | +7.1 pts |
| $100,000 to $199,999 | 30.3% | +3.9 pts |
| $200,000 or more | 9.3% | -2.6 pts |
The spread is wide: 40% of Henry County households make $100,000 or more, and 14% make less than $35,000. 9.2% of residents fall below the federal poverty line (statewide: 13.4%). For a borrower in Henry 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 Henry County
The biggest employer of Henry County residents, by industry, is education and health care at 21% of workers, followed by transportation, warehousing and utilities (15%). The sharpest difference from the state is in transportation, warehousing and utilities, at 15% locally and 7% for Georgia. The survey's unemployment rate for Henry County averages 6.2% over 2020 to 2024 (state: 5.1%). 28% of commuters travel 45 minutes or more each way, and 16% work from home. Only 2.4% of homes here go without a vehicle.
| Industry (employed residents 16+) | Henry County | Gap to Georgia |
|---|---|---|
| Education and health care | 21.3% | +0.3 pts |
| Transportation, warehousing and utilities | 14.8% | +7.5 pts |
| Retail trade | 12.4% | +1.1 pts |
| Professional and administrative services | 10.4% | -3.1 pts |
| Arts, lodging and food service | 7.6% | -0.9 pts |
| Public administration | 7.6% | +2.8 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.
Housing costs in Henry County
Median gross rent, utilities included, comes to $1,674 in Henry County versus $1,393 statewide. 58% of renting households spend 30% or more of income on rent, and 27% spend half or more. The median owner-occupied home is valued at $313,900, about 3.8 times the median household income. 75% of Henry County households own their home and 25% rent. Median construction year: 2001.
| Housing | Henry County | Georgia statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $1,674/mo | $1,393/mo | $877/mo |
| Median home value | $313,900 | $303,300 | $185,300 |
| Owners | 75% | 66% | 75% |
| Rent-burdened renters | 58% | 52% | 45% |
| Burdened owners | 31% | 26% | n/a |
Because most Henry County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral. Rent pressure is real here, so run any payment through the debt-to-income calculator before you apply.
The counties around Henry County
Six nearby counties, 15 to 20 miles away by the straight-line distance between their centers. 1 of the six report a higher median household income than Henry County; Fayette County is highest at $111,978 and Clayton County lowest at $59,806.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Henry County | - | $83,146 | $1,674/mo | 75% |
| Spalding County, GA | 15 mi | $62,071 | $1,113/mo | 63% |
| Rockdale County, GA | 16 mi | $77,247 | $1,525/mo | 70% |
| Butts County, GA | 16 mi | $69,241 | $941/mo | 74% |
| Clayton County, GA | 16 mi | $59,806 | $1,433/mo | 55% |
| Newton County, GA | 19 mi | $77,179 | $1,439/mo | 74% |
| Fayette County, GA | 20 mi | $111,978 | $1,898/mo | 80% |
Henry County towns compared
Here are the 4 most populous of the county's 4 Census places, with income and rent from the same 2020 to 2024 survey. About 34% of Henry County residents live in one of the 4. Among places of 500 or more people, median income runs from $70,136 in Stockbridge to $75,343 in McDonough. No Henry County place has a separate guide yet; this county page serves all 4.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Stockbridge | city | 35,737 | $70,136 | $1,494 | 7 mi |
| McDonough | city | 30,947 | $75,343 | $1,792 | 1 mi |
| Locust Grove | city | 10,532 | $75,083 | $1,573 | 8 mi |
| Hampton | city | 8,687 | $75,052 | $1,712 | 10 mi |
Debt-to-income at Henry County's medians
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Henry County household at the medians it works out like this; treat it as an illustration only.
- $6,929 a month: gross income for a household at the Henry County median
- Housing at the median rent of $1,674 uses 24%
- At 36%, room after rent is $820 a month
If your rent is above $1,674, the room shrinks dollar for dollar.
What the numbers mean for Henry County borrowers
The county's numbers point to a few situations that come up often for Henry County borrowers.
- Keeping the car running. At 28% with long commutes, repairs are a frequent Henry County emergency; first decide if the car is worth fixing.
- Renters under pressure. When 58% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
- Advance-fee offers. No legitimate lender asks a Henry County borrower to pay first (scam signs).
More Henry County figures
College graduates make up 29% of the adult population. About 10% go without health insurance.
| People and households | Henry County | Georgia | Median county |
|---|---|---|---|
| Median age | 37.1 | 37.6 | 41.5 |
| Bachelor's or higher | 29.5% | 34.9% | 22.2% |
| No high school diploma | 7.0% | 10.8% | n/a |
| No health insurance | 9.8% | 12.4% | 7.8% |
| No vehicle | 2.4% | 5.9% | 5.4% |
| Work from home | 15.6% | 15.9% | 8.7% |
| Poverty rate | 9.2% | 13.4% | 13.2% |
| Unemployment (ACS) | 6.2% | 5.1% | 4.4% |
| One-way commute | Share of Henry County workers |
|---|---|
| Under 15 min | 15.1% |
| 15 to 29 min | 32.9% |
| 30 to 44 min | 23.6% |
| 45 to 59 min | 13.8% |
| 60+ min | 14.6% |
Lender oversight for Henry County
Before sharing details with a lender, a Henry County resident can confirm its license with the Georgia Department of Banking and Finance. The Consumer Financial Protection Bureau accepts complaints nationwide. The Georgia guide covers state rules in more detail.
A Henry County borrower's checklist
Before you apply, wherever you live in Henry County:
- Borrow the amount the job needs; extra cash adds interest.
- Compare the total repaid on every offer, not just the payment.
- Confirm the lender is licensed in Georgia.
- Read the final agreement; it must match the offer.
Related local guides
The Georgia guide covers the whole state.
Frequently asked questions
Is Henry County a high-income county?
Its $83,146 median ranks 21st of 159 Georgia counties and compares with $65,681 for the median U.S. county.
How does Henry County rent compare with Georgia?
$1,674 locally versus $1,393 for the state, 20% above.
Does this page cover Stockbridge?
Yes, along with the other 3 Census places in Henry County, such as McDonough, Locust Grove, Hampton.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Henry County or elsewhere in Georgia, the same rules apply.
Who do I complain to about a lender in Henry County?
Start with the Georgia Department of Banking and Finance, then the CFPB complaint portal. Keep copies of every message.