1st Advantage MortgageAbout 86% of Jasper County homes are owner-occupied, and the median household income is $60,134. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Who lives in Jasper County
- Income in Jasper County compared with Georgia
- Where Jasper County works
- Jasper County against other Georgia counties
- The Jasper County housing market in figures
- The communities that make up Jasper County
- The counties around Jasper County
- Who lives in Jasper County, in numbers
- What the numbers mean for Jasper County borrowers
- A Jasper County household budget, worked through
- Verifying a lender from Jasper County
- Four steps for Jasper County borrowers
- Keep exploring
- Frequently asked questions
Who lives in Jasper County
Jasper County is home to about 15,929 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 106th most populous of 159 county-level areas in Georgia. Density: about 43.2 residents per square mile across 368 square miles of land. It is one of the counties that make up the Atlanta-Sandy Springs-Roswell, GA metropolitan statistical area (OMB, 2023). The Census Bureau counts 2 places in the county (2 incorporated, 0 census-designated); the largest is Monticello, with about 2,747 residents, or 17% of the county.
Income in Jasper County compared with Georgia
$60,134 is the median household income for Jasper County, set against $77,353 for Georgia. That places it 68th among Georgia's 159 county-level areas.
| Households earning | Jasper County | +/- vs Georgia |
|---|---|---|
| Under $35,000 | 27.4% | +5.2 pts |
| $35,000 to $99,999 | 41.2% | +1.7 pts |
| $100,000 to $199,999 | 24.0% | -2.4 pts |
| $200,000 or more | 7.4% | -4.5 pts |
On the low end, 27% of Jasper County households report under $35,000; at the top, 31% report $100,000-plus. Jasper County counts about 2,544 residents below the poverty line, 16.0% of the population. For a borrower in Jasper 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.
Where Jasper County works
The biggest employer of Jasper County residents, by industry, is education and health care at 17% of workers, followed by construction (14%). Construction stands out: 14% of workers here, versus 7% statewide. ACS puts five-year average unemployment at 7.2% in Jasper County. Long commutes are common here: 35% of workers spend 45 minutes or longer getting to work. 4.3% of households have no vehicle.
| Industry (employed residents 16+) | Jasper County | Gap to Georgia |
|---|---|---|
| Education and health care | 16.7% | -4.3 pts |
| Construction | 14.4% | +7.4 pts |
| Manufacturing | 11.5% | +1.4 pts |
| Retail trade | 11.0% | -0.3 pts |
| Professional and administrative services | 8.5% | -5.1 pts |
| Arts, lodging and food service | 7.8% | -0.7 pts |
Self-employed in Jasper County? Two years of tax returns usually stand in for pay stubs.
Jasper County against other Georgia counties
The 3 Jasper County numbers that rank furthest from typical in Georgia, and what each means for a borrower:
- Homeownership: 86% in Jasper County. Only 2 of 159 Georgia counties are higher. An owner-heavy county means repairs are a common reason to borrow.
- Jasper County ranks 6th highest of 159 Georgia counties for the share of commutes over 45 minutes: 35%, against 20% statewide. With long commutes, a reliable car is part of keeping the job.
- Few Georgia counties match Jasper County on the ACS unemployment rate: 7.2% here, 5.1% for the state, ranking 20th highest of 159. If work is uncertain, keep any loan small and the term short.
The Jasper County housing market in figures
Jasper County rent at the median: $970 a month, utilities in ($1,393 in Georgia). 42% of renting households spend 30% or more of income on rent, and 22% spend half or more. Jasper County homes are worth $243,400 at the median, a 4.0-to-1 ratio to income. Homeowners 86%, renters 14%. Against the median U.S. county, Jasper County rent is 11% above.
| Jasper County | Georgia | Difference | |
|---|---|---|---|
| Owners | 86% | 66% | +19.9 pts |
| Burdened owners | 38% | 26% | +12.1 pts |
| Mobile homes | 18.5% | 7.8% | +10.6 pts |
| Rent-burdened renters | 42% | 52% | -10.0 pts |
| Median gross rent | $970/mo | $1,393/mo | 30% lower |
| Median home value | $243,400 | $303,300 | 20% lower |
At a $243,400 median value, many Jasper County owners hold equity. Using it lowers cost only if you can carry the risk (equity vs. unsecured).
The communities that make up Jasper County
2 Census places fall mainly inside Jasper County; the 2 biggest are below. They account for 3,092 residents, leaving about 81% of the county in unincorporated, unnamed areas. No Jasper County place has a separate guide yet; this county page serves all 2.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Monticello | city | 2,747 | $48,812 | $1,056 | 1 mi |
| Shady Dale | town | 345 | $68,333 | $933 | 8 mi |
The counties around Jasper County
The six counties whose centers lie closest to Jasper County's, from 16 to 25 miles away. Richest neighbor: Monroe County, $83,183. Poorest: Butts County, $69,241. Jasper County: $60,134.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Jasper County | - | $60,134 | $970/mo | 86% |
| Butts County, GA | 16 mi | $69,241 | $941/mo | 74% |
| Putnam County, GA | 18 mi | $72,096 | $1,002/mo | 81% |
| Newton County, GA | 19 mi | $77,179 | $1,439/mo | 74% |
| Jones County, GA | 22 mi | $75,500 | $964/mo | 84% |
| Morgan County, GA | 22 mi | $78,111 | $1,108/mo | 78% |
| Monroe County, GA | 25 mi | $83,183 | $943/mo | 84% |
Who lives in Jasper County, in numbers
In Jasper County, 20% of adults have at least a four-year degree (35% in Georgia). Health coverage gaps: 12.9% of Jasper County residents are uninsured.
| Residents | Jasper County | Difference from Georgia | Difference from middle U.S. county |
|---|---|---|---|
| Bachelor's or higher | 19.5% | -15.4 pts | -2.6 pts |
| Work from home | 8.4% | -7.6 pts | -0.3 pts |
| Median age | 41.8 | +4.2 yrs | +0.3 yrs |
| Poverty rate | 16.0% | +2.6 pts | +2.8 pts |
| Unemployment (ACS) | 7.2% | +2.1 pts | +2.8 pts |
| No vehicle | 4.3% | -1.6 pts | -1.2 pts |
| No health insurance | 12.9% | +0.5 pts | +5.0 pts |
| No high school diploma | 10.4% | -0.3 pts | n/a |
| Trip time | Share |
|---|---|
| Under 15 min | 14.0% |
| 15 to 29 min | 21.3% |
| 30 to 44 min | 29.8% |
| 45 to 59 min | 11.0% |
| 60+ min | 23.8% |
What the numbers mean for Jasper County borrowers
Based on the Jasper County data above, these borrowing questions are most likely to matter locally.
- Hospital bills in Jasper County. For the 13% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Commuter costs. 35% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- Mobile homes in Jasper County. At 18% of units, they are a big part of local housing; check whether yours is titled as real or personal property.
A Jasper County household budget, worked through
DTI math using Jasper County medians ($60,134 income, $970 rent):
- Median income divided by twelve: $5,011 before taxes
- Rent at the median, $970, takes 19% of that
- At 36%, room after rent is $834 a month
A household below the $60,134 median has less room than this, often none.
Verifying a lender from Jasper County
Licensing happens at the state level, so a lender working with Jasper County borrowers answers to the Georgia Department of Banking and Finance. The Consumer Financial Protection Bureau accepts complaints nationwide. The Georgia page has statewide figures to set beside Jasper County's.
Four steps for Jasper County borrowers
Quick steps for Jasper County:
- Borrow the amount the job needs; extra cash adds interest.
- Shop at least three lenders, including one Jasper County-area credit union.
- Only work with lenders licensed for Georgia borrowers.
- Lock paid-off cards after consolidating so balances stay at zero.
Keep exploring
The Georgia guide covers the whole state.
Frequently asked questions
What does a typical Jasper County household make?
About $60,134 a year at the median (ACS 2020-24), 22% below the Georgia median.
What do renters pay in Jasper County?
$970 a month at the median, about 19% of median household income.
Should Jasper County homeowners use home equity instead?
Maybe, but weigh the risk: 86% of Jasper County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
Does this page cover Monticello?
Yes, along with the other 1 Census place in Jasper County, such as Shady Dale.
Are Jasper County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.