1st Advantage MortgageIn Miller County, Georgia, the typical household earns $51,425 a year and the typical rent is $810. 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 Miller County
- Miller County housing compared with Georgia
- What Miller County households earn
- How Miller County residents earn a living
- Towns and communities in Miller County
- Regional comparison for Miller County
- Who lives in Miller County, in numbers
- Borrowing situations common in Miller County
- Debt-to-income at Miller County's medians
- Lender oversight for Miller County
- Steps before you apply in Miller County
- Related local guides
- Frequently asked questions
Who lives in Miller County
The latest five-year Census estimate puts Miller County's population at 5,850; only 146 of Georgia's 159 county-level areas are larger. Spread over 282 square miles, that works out to roughly 20.7 residents per square mile. No metropolitan area includes Miller County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Of the 2 Census places inside Miller County, Colquitt leads by population with about 1,898; 1 of the 2 are incorporated. With so few households sampled, Miller County estimates can move a lot between releases.
Miller County housing compared with Georgia
Median gross rent, utilities included, comes to $810 in Miller County versus $1,393 statewide. By the Census definition, 54% of Miller County renters are cost-burdened. The median owner-occupied home is valued at $124,000, about 2.4 times the median household income. The ownership rate is 70%. The median home was built in 1979, so roofs, wiring and heating systems are a common source of repair bills.
| Miller County | Georgia | U.S. county median | |
|---|---|---|---|
| Median gross rent | $810/mo | $1,393/mo | $877/mo |
| Median home value | $124,000 | $303,300 | $185,300 |
| Owners | 70% | 66% | 75% |
| Rent-burdened renters | 54% | 52% | 45% |
| Burdened owners | 35% | 26% | n/a |
| Mobile homes | 21.4% | 7.8% | n/a |
| Vacant units | 10% | 10% | n/a |
Rent pressure is real here, so run any payment through the debt-to-income calculator before you apply.
What Miller County households earn
The median household income in Miller County is $51,425; statewide it is $77,353, so Miller County runs 34% below Georgia as a whole. Only 116 Georgia counties post a higher median.
| Household income | Miller County | vs Georgia |
|---|---|---|
| Under $35,000 | 41.7% | +19.6 pts |
| $35,000 to $99,999 | 33.7% | -5.8 pts |
| $100,000 to $199,999 | 20.9% | -5.5 pts |
| $200,000 or more | 3.6% | -8.3 pts |
Some 42% of households here live on less than $35,000 a year; 25% have six-figure incomes. The poverty rate is 23.8%, 10 points higher than the state's 13.4%. The Gini index of income inequality is 0.467 (0 is perfect equality). Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
How Miller County residents earn a living
By the Census industry count, 30% of employed Miller County residents work in education and health care and 15% in manufacturing. The sharpest difference from the state is in education and health care, at 30% locally and 21% for Georgia. ACS puts five-year average unemployment at 3.9% in Miller County. 15% of commuters travel 45 minutes or more each way, and 5% work from home.
| Sector | Miller County | Compared with Georgia |
|---|---|---|
| Education and health care | 29.6% | +8.6 pts |
| Manufacturing | 14.7% | +4.7 pts |
| Retail trade | 9.7% | -1.6 pts |
| Construction | 6.6% | -0.4 pts |
| Agriculture, forestry and mining | 6.0% | +5.0 pts |
| Arts, lodging and food service | 5.8% | -2.8 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
Towns and communities in Miller County
The table lists the 2 largest of 2 Census places in Miller County, by population. Together all 2 hold about 1,923 people, so roughly 67% of residents live outside any named place. This guide covers each of the 2 places and the rural areas around them.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Colquitt | city | 1,898 | $26,375 | $699 | 1 mi |
| Boykin | CDP | 25 | $18,500 | n/a | 5 mi |
Regional comparison for Miller County
Distances run center to center, from Early County at 15 miles out to Mitchell County at 32. 3 of the six report a higher median household income than Miller County; Mitchell County is highest at $57,613 and Baker County lowest at $46,012.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Miller County | - | $51,425 | $810/mo | 70% |
| Early County, GA | 15 mi | $54,083 | $791/mo | 67% |
| Seminole County, GA | 18 mi | $49,495 | $879/mo | 80% |
| Baker County, GA | 20 mi | $46,012 | $631/mo | 77% |
| Decatur County, GA | 21 mi | $53,317 | $838/mo | 62% |
| Calhoun County, GA | 26 mi | $46,940 | $546/mo | 59% |
| Mitchell County, GA | 32 mi | $57,613 | $797/mo | 65% |
Who lives in Miller County, in numbers
Degree holders: 21% of adults over 25. About 10% go without health insurance.
| Miller County | Georgia | U.S. county median | |
|---|---|---|---|
| Median age | 43.6 | 37.6 | 41.5 |
| Bachelor's or higher | 21.3% | 34.9% | 22.2% |
| No high school diploma | 15.8% | 10.8% | n/a |
| No health insurance | 9.6% | 12.4% | 7.8% |
| No vehicle | 10.5% | 5.9% | 5.4% |
| Work from home | 4.7% | 15.9% | 8.7% |
| Poverty rate | 23.8% | 13.4% | 13.2% |
| Unemployment (ACS) | 3.9% | 5.1% | 4.4% |
| One-way commute | Share of Miller County workers |
|---|---|
| Under 15 min | 33.5% |
| 15 to 29 min | 33.1% |
| 30 to 44 min | 18.6% |
| 45 to 59 min | 4.9% |
| 60+ min | 9.9% |
Borrowing situations common in Miller County
Where the Miller County numbers stand out, and why it matters for a loan:
- Manufactured homes. 21% of Miller County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Free help first. 24% of residents live below the poverty line; utility, rent and food programs cost nothing to repay (free options).
- Tight rental budgets. With 54% of Miller County renters cost-burdened, test a new payment against a lean month.
Debt-to-income at Miller County's medians
Miller County at the medians, through a lender's eyes (what DTI means):
- $51,425 a year is $4,285 of gross monthly income
- Housing at the median rent of $810 uses 19%
- Under a 36% cap, $1,543 total minus rent leaves $733
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Miller County's.
Lender oversight for Miller County
No county office licenses personal lenders. For Miller 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.
Steps before you apply in Miller County
Steps that save money for Miller County residents:
- Borrow the amount the job needs; extra cash adds interest.
- Ask each lender for the APR and all fees in writing.
- Check the license, then the reviews, then the offer.
- Pick the shortest term whose payment still fits.
Related local guides
The Georgia guide covers the whole state.
Frequently asked questions
Is Miller County a high-income county?
Its $51,425 median ranks 117th of 159 Georgia counties and compares with $65,681 for the median U.S. county.
What do renters pay in Miller County?
$810 a month at the median, about 19% of median household income.
Does this page cover Colquitt?
Yes, along with the other 1 Census place in Miller County, such as Boykin.
Are Miller 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.
Who regulates personal lenders for Miller County residents?
The Georgia Department of Banking and Finance licenses consumer lenders in Georgia; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.