1st Advantage MortgageThe median Peach County household earns $71,293, and 17% of residents live below the poverty line. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Georgia before sharing details.
On this page
- Who lives in Peach County
- Rent, home values and ownership in Peach County
- Income in Peach County compared with Georgia
- The Peach County job picture
- Towns and communities in Peach County
- How Peach County compares with nearby counties
- Who lives in Peach County, in numbers
- Reading the Peach County data as a borrower
- A Peach County household budget, worked through
- Four steps for Peach County borrowers
- Licensing and complaints for Peach County
- Nearby and statewide guides
- Frequently asked questions
Who lives in Peach County
The latest five-year Census estimate puts Peach County's population at 28,560; only 67 of Georgia's 159 county-level areas are larger. Packed into 150 square miles, that is close to 190 residents for every square mile of land. For statistical purposes it belongs to the Warner Robins, GA metro area, as delineated by the Office of Management and Budget in July 2023. Fort Valley is the biggest of its 2 Census places, at roughly 8,858 people (31% of the county total).
Rent, home values and ownership in Peach County
A typical Peach County rental runs $940 a month including utilities, which is 33% below Georgia. Rent takes 30% or more of income for 45% of renter households here. With a median value of $207,800, a typical Peach County house costs 2.9 times what the median household earns in a year. The ownership rate is 70%. Half the housing stock was built before 1987.
| Measure | Peach County | Georgia | Median U.S. county |
|---|---|---|---|
| Median gross rent | $940/mo | $1,393/mo | $877/mo |
| Median home value | $207,800 | $303,300 | $185,300 |
| Owners | 70% | 66% | 75% |
| Rent-burdened renters | 45% | 52% | 45% |
| Burdened owners | 28% | 26% | n/a |
| Mobile homes | 14.4% | 7.8% | n/a |
Income in Peach County compared with Georgia
Peach County households have a median income of $71,293 (ACS 2020 to 2024), which ranks 42nd of 159 in Georgia.
| Income band | Share in Peach County | Difference from Georgia |
|---|---|---|
| Under $35,000 | 27.6% | +5.4 pts |
| $35,000 to $99,999 | 38.7% | -0.8 pts |
| $100,000 to $199,999 | 26.3% | -0.1 pts |
| $200,000 or more | 7.3% | -4.5 pts |
The spread is wide: 34% of Peach County households make $100,000 or more, and 28% make less than $35,000. 17.3% of residents fall below the federal poverty line (statewide: 13.4%). The Gini index of income inequality is 0.450 (0 is perfect equality). None of these numbers decides a Peach County application. Lenders weigh your own documented income against your own debts.
The Peach County job picture
By the Census industry count, 23% of employed Peach County residents work in education and health care and 11% in retail trade. Compared with Georgia, the county leans toward public administration (10% against 5%). The survey's unemployment rate for Peach County averages 6.6% over 2020 to 2024 (state: 5.1%). About 75% drive to work alone and 10% have trips of 45 minutes or more. Households without a car make up 5.0% of the total (5.9% statewide).
| Industry (employed residents 16+) | Peach County | Gap to Georgia |
|---|---|---|
| Education and health care | 23.4% | +2.4 pts |
| Retail trade | 11.0% | -0.3 pts |
| Transportation, warehousing and utilities | 9.8% | +2.5 pts |
| Public administration | 9.5% | +4.8 pts |
| Arts, lodging and food service | 9.5% | +0.9 pts |
| Manufacturing | 8.6% | -1.4 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 Peach County
Here are the 2 most populous of the county's 2 Census places, with income and rent from the same 2020 to 2024 survey. About 52% of Peach County residents live in one of the 2. No Peach County place has a separate guide yet; this county page serves all 2.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Fort Valley | city | 8,858 | $50,283 | $886 | 3 mi |
| Byron | city | 5,971 | $85,596 | $1,020 | 7 mi |
How Peach County compares with nearby counties
The six counties whose centers lie closest to Peach County's, from 13 to 25 miles away. Income ranges from $41,031 in Macon County to $80,698 in Houston County; 1 of these neighbors top Peach County's median.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Peach County | - | $71,293 | $940/mo | 70% |
| Houston County, GA | 13 mi | $80,698 | $1,208/mo | 67% |
| Crawford County, GA | 13 mi | $67,116 | $914/mo | 81% |
| Bibb County, GA | 18 mi | $51,234 | $1,066/mo | 51% |
| Macon County, GA | 19 mi | $41,031 | $655/mo | 65% |
| Taylor County, GA | 24 mi | $41,788 | $630/mo | 63% |
| Twiggs County, GA | 25 mi | $56,324 | $808/mo | 88% |
Who lives in Peach County, in numbers
College graduates make up 23% of the adult population. The uninsured rate is 12.1%, against 12.4% for Georgia.
| Indicator | Peach County | All of Georgia | U.S. county median |
|---|---|---|---|
| Median age | 38.5 | 37.6 | 41.5 |
| Bachelor's or higher | 22.8% | 34.9% | 22.2% |
| No high school diploma | 11.0% | 10.8% | n/a |
| No health insurance | 12.1% | 12.4% | 7.8% |
| No vehicle | 5.0% | 5.9% | 5.4% |
| Work from home | 12.1% | 15.9% | 8.7% |
| Poverty rate | 17.3% | 13.4% | 13.2% |
| Unemployment (ACS) | 6.6% | 5.1% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 28.5% |
| 15 to 29 min | 39.2% |
| 30 to 44 min | 22.2% |
| 45 to 59 min | 5.0% |
| 60+ min | 5.1% |
Reading the Peach County data as a borrower
Based on the Peach County data above, these borrowing questions are most likely to matter locally.
- Health costs. With 12% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- Manufactured homes. 14% of Peach County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Tight rental budgets. With 45% of Peach County renters cost-burdened, test a new payment against a lean month.
A Peach County household budget, worked through
Peach County at the medians, through a lender's eyes (what DTI means):
- Median income divided by twelve: $5,941 before taxes
- Housing at the median rent of $940 uses 16%
- At 35%, room after rent is $1,139 a month
- $1,733: what a 45% ratio leaves once rent is paid
If your rent is above $940, the room shrinks dollar for dollar.
Four steps for Peach County borrowers
Quick steps for Peach County:
- Price the Peach County expense first and borrow that amount, no more.
- Line up offers side by side: APR, fees in dollars, total cost.
- Confirm the lender is licensed in Georgia.
- Never pay a fee up front to get a loan.
Licensing and complaints for Peach County
Licensing happens at the state level, so a lender working with Peach County borrowers answers to the Georgia Department of Banking and Finance. Problems with a lender can also go to the CFPB. Statewide data and rules: Georgia guide.
Nearby and statewide guides
For statewide rules and data, see the Georgia guide.
Frequently asked questions
Is Peach County a high-income county?
Its $71,293 median ranks 42nd of 159 Georgia counties and compares with $65,681 for the median U.S. county.
What do renters pay in Peach County?
$940 a month at the median, about 16% of median household income.
Does this page cover Fort Valley?
Yes, along with the other 1 Census place in Peach County, such as Byron.
Is the fit check different in Peach County?
No. It is identical everywhere, and it never looks at your neighborhood.
Is there a Peach County office that licenses lenders?
No, licensing is statewide. In Georgia it is the Georgia Department of Banking and Finance.