1st Advantage MortgageIn Pike County, Georgia, the typical household earns $86,719 a year and the typical rent is $993. 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
- Pike County at a glance
- Jobs and commutes in Pike County
- Income in Pike County compared with Georgia
- Pike County housing compared with Georgia
- The communities that make up Pike County
- Pike County and the counties next door
- Budget math at the Pike County median
- Who lives in Pike County, in numbers
- Before borrowing in Pike County
- A Pike County borrower's checklist
- Georgia rules that apply in Pike County
- Nearby and statewide guides
- Frequently asked questions
Pike County at a glance
Roughly 19,903 residents live in Pike County, Georgia, 90th by population among the state's 159 counties and county equivalents. Packed into 216 square miles, that is close to 92 residents for every square mile of land. The federal metro definitions (OMB, July 2023) place it in the Atlanta-Sandy Springs-Roswell, GA metropolitan area. Of the 6 Census places inside Pike County, Zebulon leads by population with about 1,698; 5 of the 6 are incorporated.
Jobs and commutes in Pike County
By the Census industry count, 21% of employed Pike County residents work in education and health care and 12% in construction. The sharpest difference from the state is in construction, at 12% locally and 7% for Georgia. ACS puts five-year average unemployment at 3.4% in Pike County. About 82% drive to work alone and 32% have trips of 45 minutes or more. 2.6% of households have no vehicle.
| Industry | Share of Pike County workers | vs Georgia |
|---|---|---|
| Education and health care | 20.5% | -0.5 pts |
| Construction | 12.4% | +5.4 pts |
| Manufacturing | 10.5% | +0.5 pts |
| Professional and administrative services | 10.4% | -3.2 pts |
| Transportation, warehousing and utilities | 9.3% | +2.0 pts |
| Retail trade | 9.0% | -2.3 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Income in Pike County compared with Georgia
Pike County households have a median income of $86,719 (ACS 2020 to 2024), which ranks 17th of 159 in Georgia.
| Band | Pike County | Compared with Georgia |
|---|---|---|
| Under $35,000 | 18.3% | -3.9 pts |
| $35,000 to $99,999 | 40.2% | +0.7 pts |
| $100,000 to $199,999 | 30.8% | +4.3 pts |
| $200,000 or more | 10.7% | -1.2 pts |
The spread is wide: 42% of Pike County households make $100,000 or more, and 18% make less than $35,000. The poverty rate is 9.3%, 4 points lower than the state's 13.4%. Income inequality, measured by the Gini index, comes to 0.421 here. None of these numbers decides a Pike County application. Lenders weigh your own documented income against your own debts.
Pike County housing compared with Georgia
A typical Pike County rental runs $993 a month including utilities, which is 29% below Georgia. 44% of renting households spend 30% or more of income on rent, and 19% spend half or more. Home values center on $305,600, or 3.5 years of median income. The ownership rate is 85%. Half the housing stock was built before 1994.
| Housing | Pike County | Georgia statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $993/mo | $1,393/mo | $877/mo |
| Median home value | $305,600 | $303,300 | $185,300 |
| Owners | 85% | 66% | 75% |
| Rent-burdened renters | 44% | 52% | 45% |
| Burdened owners | 21% | 26% | n/a |
| Mobile homes | 9.4% | 7.8% | n/a |
In an owner-heavy county like Pike County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it.
The communities that make up Pike County
6 Census places fall mainly inside Pike County; the 6 biggest are below. They account for 3,997 residents, leaving about 80% of the county in unincorporated, unnamed areas. Incomes vary by place: $125,556 at the median in Williamson, $39,743 in Molena. Rent is cheapest in Zebulon ($937) and steepest in Molena ($1,458). Live in one of these Pike County communities, or between them? This is your local guide.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Zebulon | city | 1,698 | $49,706 | $937 | 3 mi |
| Williamson | city | 681 | $125,556 | $1,021 | 7 mi |
| Molena | city | 635 | $39,743 | $1,458 | 8 mi |
| Concord | city | 438 | $77,679 | $1,425 | 3 mi |
| Meansville | city | 323 | $50,341 | $1,442 | 5 mi |
| Hilltop | CDP | 222 | $23,625 | n/a | 3 mi |
Pike County and the counties next door
Distances run center to center, from Spalding County at 14 miles out to Talbot County at 27. 1 of the six report a higher median household income than Pike County; Fayette County is highest at $111,978 and Talbot County lowest at $41,597.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Pike County | - | $86,719 | $993/mo | 85% |
| Spalding County, GA | 14 mi | $62,071 | $1,113/mo | 63% |
| Lamar County, GA | 14 mi | $67,062 | $878/mo | 76% |
| Upson County, GA | 15 mi | $55,429 | $849/mo | 61% |
| Meriwether County, GA | 16 mi | $57,340 | $920/mo | 73% |
| Fayette County, GA | 24 mi | $111,978 | $1,898/mo | 80% |
| Talbot County, GA | 27 mi | $41,597 | $816/mo | 80% |
Budget math at the Pike County median
Pike County at the medians, through a lender's eyes (what DTI means):
- $7,227 a month: gross income for a household at the Pike County median
- Housing at the median rent of $993 uses 14%
- At 36%, room after rent is $1,609 a month
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Pike County's.
Who lives in Pike County, in numbers
Degree holders: 21% of adults over 25. 13.3% of residents have no health coverage.
| People and households | Pike County | Georgia | Median county |
|---|---|---|---|
| Median age | 39.9 | 37.6 | 41.5 |
| Bachelor's or higher | 21.5% | 34.9% | 22.2% |
| No high school diploma | 10.8% | 10.8% | n/a |
| No health insurance | 13.3% | 12.4% | 7.8% |
| No vehicle | 2.6% | 5.9% | 5.4% |
| Work from home | 7.6% | 15.9% | 8.7% |
| Poverty rate | 9.3% | 13.4% | 13.2% |
| Unemployment (ACS) | 3.4% | 5.1% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 22.0% |
| 15 to 29 min | 29.3% |
| 30 to 44 min | 16.3% |
| 45 to 59 min | 14.9% |
| 60+ min | 17.5% |
Before borrowing in Pike County
The county's numbers point to a few situations that come up often for Pike County borrowers.
- Health costs. With 13% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- Commuter costs. 32% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- Higher earners. 42% of households clear $100,000; shop at least three lenders and pick the shortest term.
A Pike County borrower's checklist
Steps that save money for Pike County residents:
- Borrow the amount the job needs; extra cash adds interest.
- Prequalify with soft pulls where offered, then compare in writing.
- Look the lender up with the state regulator first.
- Ask about early-payoff penalties.
Georgia rules that apply in Pike County
Licensing happens at the state level, so a lender working with Pike County borrowers answers to the Georgia Department of Banking and Finance. A CFPB complaint gets forwarded to the company for a response. The Georgia guide covers state rules in more detail.
Nearby and statewide guides
For statewide rules and data, see the Georgia guide.
Frequently asked questions
What does a typical Pike County household make?
About $86,719 a year at the median (ACS 2020-24), 12% above the Georgia median.
What do renters pay in Pike County?
$993 a month at the median, about 14% of median household income.
I own my home in Pike County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 85% of homes owner-occupied here, many readers can compare both in writing.
What are the biggest places in Pike County?
By population: Zebulon, Williamson, Molena, Concord, Meansville. The county has 6 Census places in all.
Does living in Pike 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 Pike County resident as anyone. Lenders decide under fair-lending law.