1st Advantage Mortgage28% of Montgomery County households earn $100,000 or more; the median is $51,941 (ACS 2020-24). Borrow only what the expense needs, pick the shortest affordable term, and walk away from any lender asking a Montgomery County applicant for an upfront fee.
On this page
- Montgomery County by the numbers
- The $51,941 median and what sits around it
- Where Montgomery County households live
- Labor force snapshot: Montgomery County
- What stands out in Montgomery County
- Counties near Montgomery County
- Cities, towns and CDPs in Montgomery County
- Borrowing situations common in Montgomery County
- People and households in Montgomery County
- Budget math at the Montgomery County median
- Before you sign
- Verifying a lender from Montgomery County
- Other Georgia guides
- Frequently asked questions
Montgomery County by the numbers
Roughly 8,640 residents live in Montgomery County, Georgia, 137th by population among the state's 159 counties and county equivalents. Its 241 square miles average 36 people per square mile, by the 2024 Census Gazetteer. Metro status: none; Montgomery County sits outside the 2023 OMB metro areas. The Census Bureau counts 6 places in the county (6 incorporated, 0 census-designated); the largest is Mount Vernon, with about 1,913 residents, or 22% of the county. Small populations mean wide margins of error, so read every Montgomery County figure on this page as a rough guide.
The $51,941 median and what sits around it
Median household income in Montgomery County: $51,941 (33% below Georgia, $77,353). In the state ranking that is 114th of 159.
| Yearly household income | Montgomery County | Gap to Georgia |
|---|---|---|
| Under $35,000 | 34.6% | +12.5 pts |
| $35,000 to $99,999 | 37.4% | -2.1 pts |
| $100,000 to $199,999 | 21.1% | -5.4 pts |
| $200,000 or more | 6.8% | -5.0 pts |
About 35% of households earn under $35,000, while 28% clear $100,000. Montgomery County counts about 1,776 residents below the poverty line, 20.6% of the population. If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Montgomery County median.
Where Montgomery County households live
$760 a month is the median gross rent in Montgomery County, 45% below the state. By the Census definition, 50% of Montgomery County renters are cost-burdened. With a median value of $115,500, a typical Montgomery County house costs 2.2 times what the median household earns in a year. 76% of Montgomery County households own their home and 24% rent. Half the housing stock was built before 1989.
| Montgomery County | Georgia | Difference | |
|---|---|---|---|
| Mobile homes | 35.7% | 7.8% | +27.9 pts |
| Burdened owners | 40% | 26% | +13.5 pts |
| Owners | 76% | 66% | +10.5 pts |
| Median home value | $115,500 | $303,300 | 62% lower |
| Median gross rent | $760/mo | $1,393/mo | 45% lower |
| Rent-burdened renters | 50% | 52% | -2.4 pts |
Owners with equity have a second option. Weigh a secured line against an unsecured loan by risk as well as cost before you choose (how they compare). Rent pressure is real here, so run any payment through the debt-to-income calculator before you apply.
Labor force snapshot: Montgomery County
The biggest employer of Montgomery County residents, by industry, is education and health care at 27% of workers, followed by construction (12%). Education and health care stands out: 27% of workers here, versus 21% statewide. Unemployment in Montgomery County, ACS five-year: 7.5%; Georgia: 5.1%. 33% of Montgomery County workers get to work in under 15 minutes, while 15% need 45 or more.
| Sector | Montgomery County | Compared with Georgia |
|---|---|---|
| Education and health care | 27.2% | +6.2 pts |
| Construction | 12.4% | +5.4 pts |
| Transportation, warehousing and utilities | 10.8% | +3.6 pts |
| Retail trade | 8.9% | -2.4 pts |
| Manufacturing | 8.7% | -1.4 pts |
| Public administration | 7.9% | +3.2 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
What stands out in Montgomery County
Where Montgomery County lands at the extremes of Georgia's county rankings:
- Few Georgia counties match Montgomery County on the ACS unemployment rate: 7.5% here, 5.1% for the state, ranking 16th highest of 159. Job gaps can make income hard to document; gather records first.
- Few Georgia counties match Montgomery County on the share of mobile homes: 35.7% here, 7.8% for the state, ranking 16th highest of 159. Manufactured homes often do not qualify for home equity loans, so unsecured loans fill the gap.
- Montgomery County ranks 23rd lowest of 159 Georgia counties for population: 8,640, against 10,940,407 statewide. In a small county, the nearest lender may not be the best; compare online offers too.
Counties near Montgomery County
Distances run center to center, from Toombs County at 12 miles out to Tattnall County at 29. Income ranges from $40,283 in Jeff Davis County to $55,518 in Treutlen County; 3 of these neighbors top Montgomery County's median.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Montgomery County | - | $51,941 | $760/mo | 76% |
| Toombs County, GA | 12 mi | $52,621 | $768/mo | 61% |
| Wheeler County, GA | 13 mi | $40,539 | $581/mo | 66% |
| Treutlen County, GA | 17 mi | $55,518 | $733/mo | 65% |
| Jeff Davis County, GA | 26 mi | $40,283 | $650/mo | 71% |
| Laurens County, GA | 28 mi | $55,010 | $863/mo | 64% |
| Tattnall County, GA | 29 mi | $50,747 | $699/mo | 71% |
Cities, towns and CDPs in Montgomery County
Here are the 6 most populous of the county's 6 Census places, with income and rent from the same 2020 to 2024 survey. About 41% of Montgomery County residents live in one of the 6. This guide covers each of the 6 places and the rural areas around them.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Mount Vernon | city | 1,913 | $32,933 | $614 | 4 mi |
| Uvalda | city | 540 | $63,083 | $800 | 9 mi |
| Ailey | city | 489 | $48,750 | $778 | 3 mi |
| Higgston | town | 292 | $42,500 | $916 | 5 mi |
| Tarrytown | town | 142 | $48,672 | $585 | 10 mi |
| Alston | town | 140 | $61,563 | n/a | 7 mi |
Borrowing situations common in Montgomery County
Where the Montgomery County numbers stand out, and why it matters for a loan:
- Medical bills. 14% of Montgomery County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Manufactured housing (36%). Montgomery County owners should get two written repair quotes before borrowing.
- Help that costs nothing. About 1,776 Montgomery County residents live in poverty; see free options before a loan.
- Renters under pressure. When 50% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
People and households in Montgomery County
Bachelor's degree or higher: 20% of Montgomery County adults. 13.7% of residents have no health coverage.
| Residents | Montgomery County | Difference from Georgia | Difference from middle U.S. county |
|---|---|---|---|
| Bachelor's or higher | 19.9% | -15.0 pts | -2.2 pts |
| Work from home | 6.9% | -9.0 pts | -1.7 pts |
| Poverty rate | 20.6% | +7.2 pts | +7.4 pts |
| Median age | 40.6 | +3.0 yrs | -0.9 yrs |
| No high school diploma | 13.3% | +2.5 pts | n/a |
| Unemployment (ACS) | 7.5% | +2.4 pts | +3.1 pts |
| No health insurance | 13.7% | +1.3 pts | +5.8 pts |
| No vehicle | 4.8% | -1.1 pts | -0.7 pts |
| One-way commute | Share of Montgomery County workers |
|---|---|
| Under 15 min | 32.8% |
| 15 to 29 min | 33.6% |
| 30 to 44 min | 18.9% |
| 45 to 59 min | 7.7% |
| 60+ min | 7.1% |
Budget math at the Montgomery County median
DTI math using Montgomery County medians ($51,941 income, $760 rent):
- $51,941 a year is $4,328 of gross monthly income
- 18% goes to median rent ($760)
- $798: what a 36% ratio leaves once rent is paid
- $1,101: what a 43% ratio leaves once rent is paid
Homeowners in Montgomery County should swap in their mortgage, taxes and insurance for rent.
Before you sign
Quick steps for Montgomery County:
- Size the loan to the bill, not to the most a lender offers.
- Prequalify with soft pulls where offered, then compare in writing.
- Only work with lenders licensed for Georgia borrowers.
- Lock paid-off cards after consolidating so balances stay at zero.
Verifying a lender from Montgomery County
Montgomery County borrowers fall under statewide rules, enforced by the Georgia Department of Banking and Finance. Nationally, Montgomery County residents can file with the CFPB. The Georgia page has statewide figures to set beside Montgomery County's.
Other Georgia guides
Statewide:
Frequently asked questions
Where does Montgomery County rank on income in Georgia?
114th of 159, with a median of $51,941. The state median is $77,353.
Can a Montgomery County renter afford a loan payment?
At the $760 median rent and $4,328 median monthly income, rent alone uses 18%; add other debts before a new payment.
Is Alston covered?
Yes. Alston is one of 6 Census places in Montgomery County, and this guide covers all of them.
Does living in Montgomery County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Montgomery County resident as anyone. Lenders decide under fair-lending law.
Who do I complain to about a lender in Montgomery County?
Start with the Georgia Department of Banking and Finance, then the CFPB complaint portal. Keep copies of every message.