1st Advantage MortgageIn Irwin County, Georgia, the typical household earns $51,384 a year and the typical rent is $865. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Georgia before sharing details.
On this page
- Getting oriented in Irwin County
- What it costs to live in Irwin County
- How much Irwin County households make
- How Irwin County residents earn a living
- The communities that make up Irwin County
- The counties around Irwin County
- Debt-to-income at Irwin County's medians
- Before borrowing in Irwin County
- More Irwin County figures
- A Irwin County borrower's checklist
- Licensing and complaints for Irwin County
- More guides for Irwin County
- Frequently asked questions
Getting oriented in Irwin County
The latest five-year Census estimate puts Irwin County's population at 9,285; only 126 of Georgia's 159 county-level areas are larger. It covers 354 square miles of land, or about 26 people per square mile. Under the July 2023 OMB definitions, Irwin County is not part of any metropolitan area. Of the 1 Census place inside Irwin County, Ocilla leads by population with about 3,100. With so few households sampled, Irwin County estimates can move a lot between releases.
What it costs to live in Irwin County
A typical Irwin County rental runs $865 a month including utilities, which is 38% below Georgia. Rent takes 30% or more of income for 31% of renter households here. The median owner-occupied home is valued at $105,600, about 2.1 times the median household income. 70% of Irwin County households own their home and 30% rent. Median construction year: 1982.
| Irwin County | Georgia | U.S. county median | |
|---|---|---|---|
| Median gross rent | $865/mo | $1,393/mo | $877/mo |
| Median home value | $105,600 | $303,300 | $185,300 |
| Owners | 70% | 66% | 75% |
| Rent-burdened renters | 31% | 52% | 45% |
| Burdened owners | 42% | 26% | n/a |
| Mobile homes | 24.4% | 7.8% | n/a |
How much Irwin County households make
At $51,384, the typical Irwin County household income is 22% below the median U.S. county ($65,681). In the state ranking that is 118th of 159.
| Households earning | Irwin County | +/- vs Georgia |
|---|---|---|
| Under $35,000 | 34.7% | +12.5 pts |
| $35,000 to $99,999 | 45.4% | +5.9 pts |
| $100,000 to $199,999 | 17.6% | -8.9 pts |
| $200,000 or more | 2.3% | -9.5 pts |
About 35% of households earn under $35,000, while 20% clear $100,000. 22.4% of residents fall below the federal poverty line (statewide: 13.4%). A household earning below the $51,384 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
How Irwin County residents earn a living
The biggest employer of Irwin County residents, by industry, is education and health care at 25% of workers, followed by retail trade (17%). Compared with Georgia, the county leans toward retail trade (17% against 11%). Averaged over the five survey years, 4.0% of the labor force was out of work and looking. About 83% drive to work alone and 10% have trips of 45 minutes or more.
| Where residents work | Irwin County | Difference from Georgia |
|---|---|---|
| Education and health care | 25.4% | +4.4 pts |
| Retail trade | 16.6% | +5.3 pts |
| Manufacturing | 11.9% | +1.8 pts |
| Other services | 6.4% | +1.9 pts |
| Transportation, warehousing and utilities | 6.3% | -1.0 pts |
| Construction | 6.0% | -1.0 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
The communities that make up Irwin County
Ocilla is the only Census place mainly inside Irwin County, with about 3,100 of the county's 9,285 residents. This guide covers each of the 1 places and the rural areas around them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Ocilla | city | 3,100 | $41,277 | $868 | 2 mi |
The counties around Irwin County
Nearest neighbors first, measured between county centers (12 to 27 miles). Income ranges from $36,799 in Turner County to $54,138 in Wilcox County; 3 of these neighbors top Irwin County's median.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Irwin County | - | $51,384 | $865/mo | 70% |
| Ben Hill County, GA | 12 mi | $41,758 | $688/mo | 63% |
| Tift County, GA | 18 mi | $53,255 | $777/mo | 61% |
| Turner County, GA | 22 mi | $36,799 | $679/mo | 64% |
| Berrien County, GA | 22 mi | $52,876 | $782/mo | 71% |
| Coffee County, GA | 26 mi | $50,683 | $710/mo | 65% |
| Wilcox County, GA | 27 mi | $54,138 | $610/mo | 75% |
Debt-to-income at Irwin County's medians
The debt-to-income ratio is the main affordability test lenders use. Applied to Irwin County's medians:
- Median income divided by twelve: $4,282 before taxes
- Housing at the median rent of $865 uses 20%
- At 35%, room after rent is $634 a month
- $1,062: what a 45% ratio leaves once rent is paid
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Irwin County's.
Before borrowing in Irwin County
What the Irwin County figures suggest, and what to check first:
- Hospital bills in Irwin County. For the 19% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Manufactured homes. 24% of Irwin County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Assistance before credit. With a 22% poverty rate, check no-cost options before any Irwin County loan.
More Irwin County figures
15% of Irwin County adults 25 and older hold a bachelor's degree or more. The uninsured rate is 19.5%, against 12.4% for Georgia.
| Indicator | Irwin County | All of Georgia | U.S. county median |
|---|---|---|---|
| Median age | 40.3 | 37.6 | 41.5 |
| Bachelor's or higher | 15.2% | 34.9% | 22.2% |
| No high school diploma | 14.8% | 10.8% | n/a |
| No health insurance | 19.5% | 12.4% | 7.8% |
| No vehicle | 3.4% | 5.9% | 5.4% |
| Work from home | 4.9% | 15.9% | 8.7% |
| Poverty rate | 22.4% | 13.4% | 13.2% |
| Unemployment (ACS) | 4.0% | 5.1% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 36.8% |
| 15 to 29 min | 33.0% |
| 30 to 44 min | 20.4% |
| 45 to 59 min | 5.4% |
| 60+ min | 4.5% |
A Irwin County borrower's checklist
A short checklist for Irwin County borrowers:
- Get a written quote for whatever you are paying for in Irwin County.
- Collect three written offers and compare APR and total repaid.
- Check the license, then the reviews, then the offer.
- Keep a small cushion so one surprise bill does not mean another loan.
Licensing and complaints for Irwin County
No county office licenses personal lenders. For Irwin County, check 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.
More guides for Irwin County
For statewide rules and data, see the Georgia guide.
Frequently asked questions
What is the median household income in Irwin County?
$51,384 a year in the 2020 to 2024 Census survey, versus $77,353 for Georgia. It ranks 118th of 159 in the state.
How much is rent in Irwin County?
Median gross rent, utilities included, is $865 a month; 31% of renters spend 30% or more of income on it.
I own my home in Irwin County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 70% of homes owner-occupied here, many readers can compare both in writing.
Does this page cover Ocilla?
Yes, along with the other 0 Census places in Irwin County.
Will a Irwin County address affect my match?
Beyond confirming Georgia as your state, no. Your answers about amount, credit, income and payments are all that count.