1st Advantage MortgageThe median McIntosh County household earns $50,273, and 23% 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
- Who lives in McIntosh County
- Where McIntosh County differs from the rest of Georgia
- How McIntosh County residents earn a living
- McIntosh County housing compared with Georgia
- Household income in McIntosh County
- The communities that make up McIntosh County
- How McIntosh County compares with nearby counties
- Borrowing situations common in McIntosh County
- Debt-to-income, McIntosh County edition
- McIntosh County households compared
- Who licenses lenders for McIntosh County residents
- A McIntosh County borrower's checklist
- Other Georgia guides
- Frequently asked questions
Who lives in McIntosh County
Roughly 11,312 residents live in McIntosh County, Georgia, 118th by population among the state's 159 counties and county equivalents. Land area is 431 square miles (2024 Gazetteer), so density runs near 26 per square mile. For statistical purposes it belongs to the Brunswick-St. Simons, GA metro area, as delineated by the Office of Management and Budget in July 2023. Darien (1,452 people) heads the county's list of 3 Census places, 1 incorporated and 2 census-designated.
Where McIntosh County differs from the rest of Georgia
The 4 McIntosh County numbers that rank furthest from typical in Georgia, and what each means for a borrower:
- On the share of renters paying 30% or more of income for rent, McIntosh County sits near the top of Georgia at 67%, 2nd highest of 159. Make sure a consolidation loan lowers what you pay each month.
- The share of commutes over 45 minutes: 40% in McIntosh County. Only 2 of 159 Georgia counties are higher. Long drives make car repairs a common emergency; get two written quotes.
- McIntosh County ranks 6th highest of 159 Georgia counties for median age: 51.8, against 37.6 statewide. Retirement income counts when documented; favor loans with no prepayment penalty.
- The share of workers who work from home: 16.9% in McIntosh County. Only 9 of 159 Georgia counties are higher. Remote workers should have W-2s or contracts ready to show income.
How McIntosh County residents earn a living
Education and health care employs 21% of working residents, the largest share; professional and administrative services is next with 15%. Public administration stands out: 8% of workers here, versus 5% statewide. The survey's unemployment rate for McIntosh County averages 3.2% over 2020 to 2024 (state: 5.1%). 40% of commuters travel 45 minutes or more each way, and 17% work from home.
| Industry (employed residents 16+) | McIntosh County | Gap to Georgia |
|---|---|---|
| Education and health care | 20.7% | -0.3 pts |
| Professional and administrative services | 14.8% | +1.2 pts |
| Retail trade | 11.6% | +0.3 pts |
| Manufacturing | 10.4% | +0.3 pts |
| Transportation, warehousing and utilities | 8.5% | +1.2 pts |
| Public administration | 7.9% | +3.1 pts |
Self-employed in McIntosh County? Two years of tax returns usually stand in for pay stubs.
McIntosh County housing compared with Georgia
McIntosh County rent at the median: $800 a month, utilities in ($1,393 in Georgia). Cost-burdened renters, paying 30%-plus of income: 67% in McIntosh County, 52% statewide. Median value $182,700; median income $50,273; ratio 3.6. The ownership rate is 80%. Nationally, McIntosh County's $800 rent is 9% below the middle county.
| Cost | McIntosh County | Georgia figure | Higher or lower |
|---|---|---|---|
| Mobile homes | 35.4% | 7.8% | +27.6 pts |
| Vacant units | 26% | 10% | +15.7 pts |
| Owners | 80% | 66% | +14.3 pts |
| Rent-burdened renters | 67% | 52% | +14.2 pts |
| Burdened owners | 39% | 26% | +12.5 pts |
| Median gross rent | $800/mo | $1,393/mo | 43% lower |
| Median home value | $182,700 | $303,300 | 40% lower |
With 80% of McIntosh County homes owner-occupied, equity is a real alternative for many readers; just remember a missed HELOC payment puts the home at risk. 67% of McIntosh County renters are already past the 30% line; one more payment should leave room for a late paycheck.
Household income in McIntosh County
At $50,273, the typical McIntosh County household income is 23% below the median U.S. county ($65,681). Only 125 Georgia counties post a higher median.
| Households earning | McIntosh County | +/- vs Georgia |
|---|---|---|
| Under $35,000 | 36.4% | +14.2 pts |
| $35,000 to $99,999 | 38.4% | -1.1 pts |
| $100,000 to $199,999 | 17.4% | -9.0 pts |
| $200,000 or more | 7.8% | -4.1 pts |
Six-figure households (25%) are outnumbered by those under $35,000 (36%) in McIntosh County. McIntosh County counts about 2,600 residents below the poverty line, 23.0% of the population. The Gini index of income inequality is 0.494 (0 is perfect equality). If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the McIntosh County median.
The communities that make up McIntosh County
Here are the 3 most populous of the county's 3 Census places, with income and rent from the same 2020 to 2024 survey. About 29% of McIntosh County residents live in one of the 3. Gap between richest and poorest larger place: $18,683, Darien over Eulonia. Darien and every other McIntosh County community use this county guide.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Darien | city | 1,452 | $57,000 | $925 | 10 mi |
| Eulonia | CDP | 986 | $38,317 | n/a | 5 mi |
| Crescent | CDP | 882 | $52,344 | $683 | 2 mi |
CDPs are unincorporated communities the Census Bureau defines for counting.
How McIntosh County compares with nearby counties
The six counties whose centers lie closest to McIntosh County's, from 20 to 38 miles away. Income ranges from $53,427 in Wayne County to $103,408 in Bryan County; all six of these neighbors top McIntosh County's median.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| McIntosh County | - | $50,273 | $800/mo | 80% |
| Glynn County, GA | 20 mi | $69,799 | $1,135/mo | 67% |
| Liberty County, GA | 23 mi | $60,456 | $1,246/mo | 51% |
| Long County, GA | 28 mi | $68,808 | $976/mo | 65% |
| Wayne County, GA | 32 mi | $53,427 | $846/mo | 67% |
| Bryan County, GA | 37 mi | $103,408 | $1,618/mo | 78% |
| Chatham County, GA | 38 mi | $71,097 | $1,471/mo | 57% |
Borrowing situations common in McIntosh County
Based on the McIntosh County data above, these borrowing questions are most likely to matter locally.
- 40% long commutes. A McIntosh County repair bill is often urgent; compare the shop's financing with a loan in writing.
- Repairs on manufactured housing. With 35% of homes here, compare a personal loan with any dealer or park repair program.
- Older households. A 51.8 median age means fixed-income borrowing is common; a fixed payment and short term limit risk.
- Lower-cost alternatives. In a county with 23% in poverty, nonprofit credit counseling may beat a loan (options).
Debt-to-income, McIntosh County edition
McIntosh County's $50,273 median income, run through a debt-to-income check:
- $4,189 a month: gross income for a household at the McIntosh County median
- Median rent: $800, or 19 cents of every gross dollar
- With a 40% ceiling, about $876 remains for car, card, student and any new loan payments
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
McIntosh County households compared
College graduates make up 20% of the adult population. The uninsured rate is 9.3%, against 12.4% for Georgia.
| Residents | McIntosh County | Difference from Georgia | Difference from middle U.S. county |
|---|---|---|---|
| Bachelor's or higher | 20.0% | -14.9 pts | -2.1 pts |
| Median age | 51.8 | +14.2 yrs | +10.3 yrs |
| Poverty rate | 23.0% | +9.6 pts | +9.8 pts |
| No high school diploma | 16.4% | +5.7 pts | n/a |
| No health insurance | 9.3% | -3.0 pts | +1.5 pts |
| Unemployment (ACS) | 3.2% | -2.0 pts | -1.2 pts |
| Work from home | 16.9% | +1.0 pts | +8.2 pts |
| No vehicle | 6.5% | +0.6 pts | +1.0 pts |
| One-way commute | Share of McIntosh County workers |
|---|---|
| Under 15 min | 11.0% |
| 15 to 29 min | 25.4% |
| 30 to 44 min | 23.5% |
| 45 to 59 min | 21.1% |
| 60+ min | 19.0% |
Who licenses lenders for McIntosh County residents
The Georgia Department of Banking and Finance is the place to verify any lender's Georgia license. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. Statewide data and rules: Georgia guide.
A McIntosh County borrower's checklist
Four checks before you sign anything:
- Price the McIntosh County expense first and borrow that amount, no more.
- Compare the total repaid on every offer, not just the payment.
- Look the lender up with the state regulator first.
- Read the final agreement; it must match the offer.
Other Georgia guides
The Georgia guide covers the whole state.
Frequently asked questions
What is the median household income in McIntosh County?
$50,273 a year in the 2020 to 2024 Census survey, versus $77,353 for Georgia. It ranks 126th of 159 in the state.
Is McIntosh County expensive for renters?
Median rent is $800 against $1,393 statewide, and 67% of renter households are cost-burdened.
Can McIntosh County owners borrow against a $182,700 home?
Many can, through a home equity loan or line. It is secured by the house, so compare it with an unsecured personal loan before choosing.
How many towns are in McIntosh County?
The Census Bureau counts 3 places mainly in the county, led by Darien, Eulonia, Crescent.
Will a McIntosh County address affect my match?
Beyond confirming Georgia as your state, no. Your answers about amount, credit, income and payments are all that count.