1st Advantage MortgageIn Houston County, Georgia, the typical household earns $80,698 a year and the typical rent is $1,208. 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
- Who lives in Houston County
- Income in Houston County compared with Georgia
- Rent, home values and ownership in Houston County
- Work, industries and travel time in Houston County
- Neighboring counties at a glance
- Places inside Houston County
- Room for a loan payment in Houston County
- Borrowing situations common in Houston County
- Houston County households compared
- A Houston County borrower's checklist
- Who licenses lenders for Houston County residents
- More guides for Houston County
- Frequently asked questions
Who lives in Houston County
Roughly 169,649 residents live in Houston County, Georgia, 14th by population among the state's 159 counties and county equivalents. It covers 376 square miles of land, or about 451 people per square mile. For statistical purposes it belongs to the Warner Robins, GA metro area, as delineated by the Office of Management and Budget in July 2023. Of the 4 Census places inside Houston County, Warner Robins leads by population with about 82,990; 3 of the 4 are incorporated.
Income in Houston County compared with Georgia
Houston County households have a median income of $80,698 (ACS 2020 to 2024), which ranks 25th of 159 in Georgia.
| Household income | Houston County | vs Georgia |
|---|---|---|
| Under $35,000 | 20.2% | -2.0 pts |
| $35,000 to $99,999 | 41.0% | +1.5 pts |
| $100,000 to $199,999 | 30.4% | +3.9 pts |
| $200,000 or more | 8.4% | -3.4 pts |
Some 20% of households here live on less than $35,000 a year; 39% have six-figure incomes. Census counts 11.1% of Houston County residents in poverty, against 13.4% across Georgia. For a borrower in Houston 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.
Rent, home values and ownership in Houston County
Renters in Houston County pay a median of $1,208 a month, 13% below the Georgia figure of $1,393. Rent takes 30% or more of income for 48% of renter households here. With a median value of $219,800, a typical Houston County house costs 2.7 times what the median household earns in a year. The ownership rate is 67%. Half the housing stock was built before 1994.
| Housing | Houston County | Georgia statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $1,208/mo | $1,393/mo | $877/mo |
| Median home value | $219,800 | $303,300 | $185,300 |
| Owners | 67% | 66% | 75% |
| Rent-burdened renters | 48% | 52% | 45% |
| Burdened owners | 22% | 26% | n/a |
| Mobile homes | 6.0% | 7.8% | n/a |
Work, industries and travel time in Houston County
By the Census industry count, 19% of employed Houston County residents work in education and health care and 16% in public administration. The sharpest difference from the state is in public administration, at 16% locally and 5% for Georgia. ACS puts five-year average unemployment at 5.1% in Houston County. About 79% drive to work alone and 8% have trips of 45 minutes or more. 4.2% of households have no vehicle.
| Where residents work | Houston County | Difference from Georgia |
|---|---|---|
| Education and health care | 18.8% | -2.2 pts |
| Public administration | 15.6% | +10.8 pts |
| Retail trade | 12.3% | +1.0 pts |
| Professional and administrative services | 11.2% | -2.4 pts |
| Manufacturing | 8.8% | -1.2 pts |
| Arts, lodging and food service | 7.4% | -1.2 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Neighboring counties at a glance
Distances run center to center, from Peach County at 13 miles out to Macon County at 24. Income ranges from $41,031 in Macon County to $71,293 in Peach County; none of these neighbors top Houston County's median.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Houston County | - | $80,698 | $1,208/mo | 67% |
| Peach County, GA | 13 mi | $71,293 | $940/mo | 70% |
| Pulaski County, GA | 18 mi | $50,406 | $883/mo | 71% |
| Bleckley County, GA | 19 mi | $62,008 | $799/mo | 73% |
| Twiggs County, GA | 20 mi | $56,324 | $808/mo | 88% |
| Dooly County, GA | 23 mi | $60,987 | $758/mo | 65% |
| Macon County, GA | 24 mi | $41,031 | $655/mo | 65% |
Places inside Houston County
4 Census places fall mainly inside Houston County; the 4 biggest are below. They account for 115,689 residents, leaving about 32% of the county in unincorporated, unnamed areas. Incomes vary by place: $106,667 at the median in Robins AFB, $66,970 in Warner Robins. This guide covers each of the 4 places and the rural areas around them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Warner Robins | city | 82,990 | $66,970 | $1,212 | 10 mi |
| Perry | city | 23,001 | $76,909 | $1,132 | 4 mi |
| Centerville | city | 8,505 | $68,922 | $1,312 | 12 mi |
| Robins AFB | CDP | 1,193 | $106,667 | $1,500 | 11 mi |
A CDP is a named community without its own municipal government.
Room for a loan payment in Houston County
Houston County at the medians, through a lender's eyes (what DTI means):
- $80,698 a year is $6,725 of gross monthly income
- 18% goes to median rent ($1,208)
- 36% debt-to-income limit: $1,213 left for all other debt payments
- $1,684: what a 43% ratio leaves once rent is paid
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Borrowing situations common in Houston County
What the Houston County figures suggest, and what to check first:
- Health costs. With 10% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- Renters under pressure. When 48% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
Houston County households compared
32% of Houston County adults 25 and older hold a bachelor's degree or more. About 10% go without health insurance.
| Indicator | Houston County | All of Georgia | U.S. county median |
|---|---|---|---|
| Median age | 36.3 | 37.6 | 41.5 |
| Bachelor's or higher | 32.5% | 34.9% | 22.2% |
| No high school diploma | 7.5% | 10.8% | n/a |
| No health insurance | 10.2% | 12.4% | 7.8% |
| No vehicle | 4.2% | 5.9% | 5.4% |
| Work from home | 10.3% | 15.9% | 8.7% |
| Poverty rate | 11.1% | 13.4% | 13.2% |
| Unemployment (ACS) | 5.1% | 5.1% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 28.1% |
| 15 to 29 min | 44.2% |
| 30 to 44 min | 20.2% |
| 45 to 59 min | 3.8% |
| 60+ min | 3.7% |
A Houston County borrower's checklist
Steps that save money for Houston County residents:
- Get a written quote for whatever you are paying for in Houston County.
- Ask each lender for the APR and all fees in writing.
- Confirm the lender is licensed in Georgia.
- Keep a small cushion so one surprise bill does not mean another loan.
Who licenses lenders for Houston County residents
No county office licenses personal lenders. For Houston County, check the Georgia Department of Banking and Finance. Problems with a lender can also go to the CFPB. See the Georgia state guide for the statewide picture.
More guides for Houston County
The Georgia guide covers the whole state.
Frequently asked questions
What does a typical Houston County household make?
About $80,698 a year at the median (ACS 2020-24), 4% above the Georgia median.
How much is rent in Houston County?
Median gross rent, utilities included, is $1,208 a month; 48% of renters spend 30% or more of income on it.
Does this page cover Warner Robins?
Yes, along with the other 3 Census places in Houston County, such as Perry, Centerville, Robins AFB.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Houston County or elsewhere in Georgia, the same rules apply.
Who do I complain to about a lender in Houston County?
Start with the Georgia Department of Banking and Finance, then the CFPB complaint portal. Keep copies of every message.