1st Advantage MortgageRandolph County households have a median income of $28,380 and median rent of $606 a month (ACS 2020 to 2024). A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Georgia license first.
On this page
- Randolph County at a glance
- The Randolph County job picture
- Income in Randolph County compared with Georgia
- Rent, home values and ownership in Randolph County
- Cities, towns and CDPs in Randolph County
- Regional comparison for Randolph County
- Randolph County residents: age, schooling, coverage
- Before borrowing in Randolph County
- What a median Randolph County budget can carry
- Before you sign
- Lender oversight for Randolph County
- Nearby and statewide guides
- Frequently asked questions
Randolph County at a glance
Roughly 6,196 residents live in Randolph County, Georgia, 146th by population among the state's 159 counties and county equivalents. Land area is 428 square miles (2024 Gazetteer), so density runs near 14 per square mile. Under the July 2023 OMB definitions, Randolph County is not part of any metropolitan area. Cuthbert is the biggest of its 3 Census places, at roughly 2,991 people (48% of the county total). Because Randolph County is small, the survey's margins of error are wide; treat the numbers as approximate.
The Randolph County job picture
By the Census industry count, 20% of employed Randolph County residents work in education and health care and 19% in manufacturing. Compared with Georgia, the county leans toward public administration (16% against 5%). Averaged over the five survey years, 10.9% of the labor force was out of work and looking. 21% of commuters travel 45 minutes or more each way, and 3% work from home.
| Sector | Randolph County | Compared with Georgia |
|---|---|---|
| Education and health care | 20.4% | -0.6 pts |
| Manufacturing | 18.6% | +8.5 pts |
| Public administration | 16.1% | +11.3 pts |
| Retail trade | 15.8% | +4.5 pts |
| Agriculture, forestry and mining | 11.2% | +10.3 pts |
| Arts, lodging and food service | 4.1% | -4.5 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
Income in Randolph County compared with Georgia
At $28,380, the typical Randolph County household income is 57% below the median U.S. county ($65,681). That places it 159th among Georgia's 159 county-level areas.
| Household income | Randolph County | vs Georgia |
|---|---|---|
| Under $35,000 | 53.3% | +31.1 pts |
| $35,000 to $99,999 | 33.7% | -5.8 pts |
| $100,000 to $199,999 | 11.5% | -15.0 pts |
| $200,000 or more | 1.6% | -10.3 pts |
Some 53% of households here live on less than $35,000 a year; 13% have six-figure incomes. 30.0% of residents fall below the federal poverty line (statewide: 13.4%). The Gini index of income inequality is 0.530 (0 is perfect equality). For a borrower in Randolph County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
Rent, home values and ownership in Randolph County
Renters in Randolph County pay a median of $606 a month, 56% below the Georgia figure of $1,393. By the Census definition, 49% of Randolph County renters are cost-burdened. Home values center on $90,200, or 3.2 years of median income. 52% of Randolph County households own their home and 48% rent. Median construction year: 1983.
| Home costs | Randolph County | Georgia | U.S. middle county |
|---|---|---|---|
| Median gross rent | $606/mo | $1,393/mo | $877/mo |
| Median home value | $90,200 | $303,300 | $185,300 |
| Owners | 52% | 66% | 75% |
| Rent-burdened renters | 49% | 52% | 45% |
| Burdened owners | 17% | 26% | n/a |
| Mobile homes | 16.9% | 7.8% | n/a |
| Vacant units | 23% | 10% | n/a |
For the many renters in Randolph County, deposits, moving costs and card balances are typical reasons to borrow. Keep the amount small and the term short.
Cities, towns and CDPs in Randolph 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 65% of Randolph County residents live in one of the 3. No Randolph County place has a separate guide yet; this county page serves all 3.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Cuthbert | city | 2,991 | $22,447 | $516 | 2 mi |
| Shellman | city | 974 | $28,859 | $818 | 8 mi |
| Coleman | CDP | 44 | n/a | n/a | 11 mi |
Regional comparison for Randolph County
Quitman County is closest, 16 miles from center to center; the sixth, Webster County, is 23 miles off. All of the six report a higher median household income than Randolph County; Clay County is highest at $49,147 and Stewart County lowest at $33,250.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Randolph County | - | $28,380 | $606/mo | 52% |
| Quitman County, GA | 16 mi | $40,179 | $918/mo | 84% |
| Clay County, GA | 17 mi | $49,147 | $536/mo | 78% |
| Calhoun County, GA | 18 mi | $46,940 | $546/mo | 59% |
| Terrell County, GA | 18 mi | $46,171 | $745/mo | 62% |
| Stewart County, GA | 22 mi | $33,250 | $607/mo | 59% |
| Webster County, GA | 23 mi | $46,792 | $658/mo | 77% |
Randolph County residents: age, schooling, coverage
College graduates make up 16% of the adult population. 8.0% of residents have no health coverage.
| Measure | Randolph County | Georgia statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 34.9 | 37.6 | 41.5 |
| Bachelor's or higher | 16.4% | 34.9% | 22.2% |
| No high school diploma | 13.3% | 10.8% | n/a |
| No health insurance | 8.0% | 12.4% | 7.8% |
| No vehicle | 25.0% | 5.9% | 5.4% |
| Work from home | 2.7% | 15.9% | 8.7% |
| Poverty rate | 30.0% | 13.4% | 13.2% |
| Unemployment (ACS) | 10.9% | 5.1% | 4.4% |
| Commute length | Randolph County |
|---|---|
| Under 15 min | 35.9% |
| 15 to 29 min | 27.4% |
| 30 to 44 min | 15.7% |
| 45 to 59 min | 9.2% |
| 60+ min | 11.8% |
Before borrowing in Randolph County
The county's numbers point to a few situations that come up often for Randolph County borrowers.
- Vehicle repairs. 21% of Randolph County workers commute 45+ minutes, so a breakdown can cost a paycheck. Get two written estimates.
- Manufactured homes. 17% of Randolph County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Assistance before credit. With a 30% poverty rate, check no-cost options before any Randolph County loan.
- Renters under pressure. When 49% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
What a median Randolph County budget can carry
Randolph County at the medians, through a lender's eyes (what DTI means):
- Monthly gross at the median, Randolph County: $2,365
- Less median rent of $606, which is 26% of it
- $340: what a 40% ratio leaves once rent is paid
If your rent is above $606, the room shrinks dollar for dollar.
Before you sign
Before you apply, wherever you live in Randolph County:
- Price the Randolph County expense first and borrow that amount, no more.
- Compare the total repaid on every offer, not just the payment.
- Only work with lenders licensed for Georgia borrowers.
- Lock paid-off cards after consolidating so balances stay at zero.
Lender oversight for Randolph County
No county office licenses personal lenders. For Randolph County, check the Georgia Department of Banking and Finance. Problems with a lender can also go to the CFPB. More on Georgia: Georgia personal loans.
Nearby and statewide guides
For statewide rules and data, see the Georgia guide.
Frequently asked questions
What does a typical Randolph County household make?
About $28,380 a year at the median (ACS 2020-24), 63% below the Georgia median.
Is Randolph County expensive for renters?
Median rent is $606 against $1,393 statewide, and 49% of renter households are cost-burdened.
What are the biggest places in Randolph County?
By population: Cuthbert, Shellman, Coleman. The county has 3 Census places in all.
Are Randolph 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.
Is there a Randolph County office that licenses lenders?
No, licensing is statewide. In Georgia it is the Georgia Department of Banking and Finance.