1st Advantage MortgageThe median Liberty County household earns $60,456, and 15% of residents live below the poverty line. 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
- A quick profile of Liberty County
- Work, industries and travel time in Liberty County
- What Liberty County households earn
- Rent, home values and ownership in Liberty County
- Liberty County towns compared
- Counties near Liberty County
- Budget math at the Liberty County median
- Liberty County residents: age, schooling, coverage
- Local borrowing considerations for Liberty County
- Lender oversight for Liberty County
- Checklist for Liberty County applicants
- Nearby and statewide guides
- Frequently asked questions
A quick profile of Liberty County
Roughly 67,397 residents live in Liberty County, Georgia, 39th by population among the state's 159 counties and county equivalents. It covers 516 square miles of land, or about 130 people per square mile. It is one of the counties that make up the Hinesville, GA metropolitan statistical area (OMB, 2023). The Census Bureau counts 8 places in the county (7 incorporated, 1 census-designated); the largest is Hinesville, with about 35,679 residents, or 53% of the county.
Work, industries and travel time in Liberty County
The biggest employer of Liberty County residents, by industry, is education and health care at 21% of workers, followed by retail trade (13%). The sharpest difference from the state is in public administration, at 8% locally and 5% for Georgia. Averaged over the five survey years, 7.9% of the labor force was out of work and looking. Long commutes are common here: 20% of workers spend 45 minutes or longer getting to work. Only 4.5% of homes here go without a vehicle.
| Top industries | Liberty County share | +/- vs Georgia |
|---|---|---|
| Education and health care | 20.8% | -0.2 pts |
| Retail trade | 13.0% | +1.7 pts |
| Professional and administrative services | 11.7% | -1.9 pts |
| Arts, lodging and food service | 11.2% | +2.6 pts |
| Transportation, warehousing and utilities | 9.4% | +2.1 pts |
| Public administration | 8.2% | +3.5 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.
What Liberty County households earn
The median household income in Liberty County is $60,456; statewide it is $77,353, so Liberty County runs 22% below Georgia as a whole. That places it 67th among Georgia's 159 county-level areas.
| Income band | Share in Liberty County | Difference from Georgia |
|---|---|---|
| Under $35,000 | 24.6% | +2.5 pts |
| $35,000 to $99,999 | 50.7% | +11.2 pts |
| $100,000 to $199,999 | 21.5% | -5.0 pts |
| $200,000 or more | 3.2% | -8.7 pts |
The spread is wide: 25% of Liberty County households make $100,000 or more, and 25% make less than $35,000. The poverty rate is 15.3%, 2 points higher than the state's 13.4%. For a borrower in Liberty 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 Liberty County
Renters in Liberty County pay a median of $1,246 a month, 11% below the Georgia figure of $1,393. By the Census definition, 49% of Liberty County renters are cost-burdened. With a median value of $201,500, a typical Liberty County house costs 3.3 times what the median household earns in a year. 51% of Liberty County households own their home and 49% rent. Median construction year: 1994.
| Liberty County | Georgia | U.S. county median | |
|---|---|---|---|
| Median gross rent | $1,246/mo | $1,393/mo | $877/mo |
| Median home value | $201,500 | $303,300 | $185,300 |
| Owners | 51% | 66% | 75% |
| Rent-burdened renters | 49% | 52% | 45% |
| Burdened owners | 31% | 26% | n/a |
For the many renters in Liberty County, deposits, moving costs and card balances are typical reasons to borrow. Keep the amount small and the term short.
Liberty County towns compared
The table lists the 8 largest of 8 Census places in Liberty County, by population. Together all 8 hold about 54,330 people, so roughly 19% of residents live outside any named place. Midway has the highest median household income on the list ($80,580) and Riceboro the lowest ($35,000), counting places with at least 500 residents. Rent is cheapest in Riceboro ($793) and steepest in Flemington ($1,742). No Liberty County place has a separate guide yet; this county page serves all 8.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Hinesville | city | 35,679 | $60,028 | $1,212 | 9 mi |
| Fort Stewart | CDP | 9,285 | $53,500 | $1,642 | 10 mi |
| Walthourville | city | 3,823 | $73,647 | $1,077 | 10 mi |
| Midway | city | 2,185 | $80,580 | $1,018 | 2 mi |
| Flemington | city | 1,571 | $78,088 | $1,742 | 7 mi |
| Allenhurst | city | 804 | $49,904 | $1,026 | 9 mi |
| Riceboro | city | 742 | $35,000 | $793 | 6 mi |
| Gumbranch | city | 241 | $35,000 | $750 | 13 mi |
Counties near Liberty County
The six counties whose centers lie closest to Liberty County's, from 15 to 35 miles away. Income ranges from $50,273 in McIntosh County to $103,408 in Bryan County; 3 of these neighbors top Liberty County's median.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Liberty County | - | $60,456 | $1,246/mo | 51% |
| Bryan County, GA | 15 mi | $103,408 | $1,618/mo | 78% |
| Long County, GA | 17 mi | $68,808 | $976/mo | 65% |
| McIntosh County, GA | 23 mi | $50,273 | $800/mo | 80% |
| Chatham County, GA | 25 mi | $71,097 | $1,471/mo | 57% |
| Wayne County, GA | 32 mi | $53,427 | $846/mo | 67% |
| Evans County, GA | 35 mi | $53,259 | $719/mo | 65% |
Budget math at the Liberty County median
Liberty County at the medians, through a lender's eyes (what DTI means):
- $60,456 a year is $5,038 of gross monthly income
- Median rent: $1,246, or 25 cents of every gross dollar
- At 36%, room after rent is $568 a month
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Liberty County's.
Liberty County residents: age, schooling, coverage
20% of Liberty County adults 25 and older hold a bachelor's degree or more. The uninsured rate is 10.8%, against 12.4% for Georgia.
| Measure | Liberty County | Georgia statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 29.0 | 37.6 | 41.5 |
| Bachelor's or higher | 20.5% | 34.9% | 22.2% |
| No high school diploma | 7.4% | 10.8% | n/a |
| No health insurance | 10.8% | 12.4% | 7.8% |
| No vehicle | 4.5% | 5.9% | 5.4% |
| Work from home | 7.8% | 15.9% | 8.7% |
| Poverty rate | 15.3% | 13.4% | 13.2% |
| Unemployment (ACS) | 7.9% | 5.1% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 37.6% |
| 15 to 29 min | 30.1% |
| 30 to 44 min | 12.8% |
| 45 to 59 min | 8.8% |
| 60+ min | 10.8% |
Local borrowing considerations for Liberty County
A few patterns in the Liberty County data, and the practical point behind each:
- Uninsured care. 11% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Keeping the car running. At 20% with long commutes, repairs are a frequent Liberty County emergency; first decide if the car is worth fixing.
- Manufactured homes. 15% of Liberty County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Tight rental budgets. With 49% of Liberty County renters cost-burdened, test a new payment against a lean month.
Lender oversight for Liberty County
Liberty County borrowers fall under statewide rules, enforced by the Georgia Department of Banking and Finance. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. See the Georgia state guide for the statewide picture.
Checklist for Liberty County applicants
Before you apply, wherever you live in Liberty County:
- Borrow the amount the job needs; extra cash adds interest.
- Compare the total repaid on every offer, not just the payment.
- Only work with lenders licensed for Georgia borrowers.
- Pick the shortest term whose payment still fits.
Nearby and statewide guides
For statewide rules and data, see the Georgia guide.
Frequently asked questions
What is the median household income in Liberty County?
$60,456 a year in the 2020 to 2024 Census survey, versus $77,353 for Georgia. It ranks 67th of 159 in the state.
How much is rent in Liberty County?
Median gross rent, utilities included, is $1,246 a month; 49% of renters spend 30% or more of income on it.
What are the biggest places in Liberty County?
By population: Hinesville, Fort Stewart, Walthourville, Midway, Flemington. The county has 8 Census places in all.
Are Liberty 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.
Is there a Liberty County office that licenses lenders?
No, licensing is statewide. In Georgia it is the Georgia Department of Banking and Finance.