1st Advantage MortgageIn Screven County, Georgia, the typical household earns $52,792 a year and the typical rent is $679. 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 Screven County
- Housing costs in Screven County
- Household income in Screven County
- Employment and commuting in Screven County
- Screven County towns compared
- How Screven County compares with nearby counties
- People and households in Screven County
- Before borrowing in Screven County
- What a median Screven County budget can carry
- Before you sign
- Checking a lender's license in Georgia
- Related local guides
- Frequently asked questions
Who lives in Screven County
Roughly 14,130 residents live in Screven County, Georgia, 110th by population among the state's 159 counties and county equivalents. Land area is 646 square miles (2024 Gazetteer), so density runs near 22 per square mile. Under the July 2023 OMB definitions, Screven County is not part of any metropolitan area. Of the 5 Census places inside Screven County, Sylvania leads by population with about 2,618; 5 of the 5 are incorporated.
Housing costs in Screven County
A typical Screven County rental runs $679 a month including utilities, which is 51% below Georgia. By the Census definition, 31% of Screven County renters are cost-burdened. With a median value of $124,300, a typical Screven County house costs 2.4 times what the median household earns in a year. Owners occupy 70% of homes. The median year built is 1982.
| Home costs | Screven County | Georgia | U.S. middle county |
|---|---|---|---|
| Median gross rent | $679/mo | $1,393/mo | $877/mo |
| Median home value | $124,300 | $303,300 | $185,300 |
| Owners | 70% | 66% | 75% |
| Rent-burdened renters | 31% | 52% | 45% |
| Burdened owners | 32% | 26% | n/a |
| Mobile homes | 30.4% | 7.8% | n/a |
Household income in Screven County
Screven County households have a median income of $52,792 (ACS 2020 to 2024), which ranks 109th of 159 in Georgia.
| Income band | Share in Screven County | Difference from Georgia |
|---|---|---|
| Under $35,000 | 31.2% | +9.0 pts |
| $35,000 to $99,999 | 45.2% | +5.7 pts |
| $100,000 to $199,999 | 18.8% | -7.6 pts |
| $200,000 or more | 4.7% | -7.1 pts |
The spread is wide: 24% of Screven County households make $100,000 or more, and 31% make less than $35,000. 17.2% of residents fall below the federal poverty line (statewide: 13.4%). If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Screven County median.
Employment and commuting in Screven County
Education and health care employs 22% of working residents, the largest share; manufacturing is next with 16%. The sharpest difference from the state is in manufacturing, at 16% locally and 10% for Georgia. ACS puts five-year average unemployment at 4.6% in Screven County. 29% of commuters travel 45 minutes or more each way, and 7% work from home. Only 6.4% of homes here go without a vehicle.
| Where residents work | Screven County | Difference from Georgia |
|---|---|---|
| Education and health care | 21.8% | +0.8 pts |
| Manufacturing | 16.4% | +6.4 pts |
| Retail trade | 11.7% | +0.4 pts |
| Construction | 9.0% | +2.0 pts |
| Transportation, warehousing and utilities | 7.9% | +0.6 pts |
| Professional and administrative services | 7.0% | -6.5 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.
Screven County towns compared
5 Census places fall mainly inside Screven County; the 5 biggest are below. They account for 4,018 residents, leaving about 72% of the county in unincorporated, unnamed areas. Live in one of these Screven County communities, or between them? This is your local guide.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Sylvania | city | 2,618 | $46,033 | $571 | 1 mi |
| Hiltonia | town | 492 | $38,929 | $546 | 10 mi |
| Newington | town | 418 | $75,417 | $1,035 | 13 mi |
| Rocky Ford | town | 276 | $62,589 | n/a | 14 mi |
| Oliver | city | 214 | $57,500 | $1,038 | 16 mi |
How Screven County compares with nearby counties
The six counties whose centers lie closest to Screven County's, from 21 to 31 miles away. Effingham County leads the group on income ($88,438), Allendale County trails ($32,328), and Screven County out-earns 3 of the six. Some neighbors are in South Carolina. Lender licensing is state by state, so a loan for a Screven County resident follows Georgia rules.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Screven County | - | $52,792 | $679/mo | 70% |
| Jenkins County, GA | 21 mi | $44,389 | $535/mo | 82% |
| Allendale County, SC | 22 mi | $32,328 | $662/mo | 62% |
| Bulloch County, GA | 25 mi | $58,810 | $995/mo | 53% |
| Hampton County, SC | 28 mi | $44,711 | $843/mo | 73% |
| Effingham County, GA | 31 mi | $88,438 | $1,147/mo | 78% |
| Burke County, GA | 31 mi | $53,014 | $758/mo | 70% |
People and households in Screven County
College graduates make up 15% of the adult population. 12.9% of residents have no health coverage.
| Residents | Screven County | Georgia | Middle U.S. county |
|---|---|---|---|
| Median age | 42.8 | 37.6 | 41.5 |
| Bachelor's or higher | 14.7% | 34.9% | 22.2% |
| No high school diploma | 13.9% | 10.8% | n/a |
| No health insurance | 12.9% | 12.4% | 7.8% |
| No vehicle | 6.4% | 5.9% | 5.4% |
| Work from home | 7.1% | 15.9% | 8.7% |
| Poverty rate | 17.2% | 13.4% | 13.2% |
| Unemployment (ACS) | 4.6% | 5.1% | 4.4% |
| One-way commute | Share of Screven County workers |
|---|---|
| Under 15 min | 28.8% |
| 15 to 29 min | 27.1% |
| 30 to 44 min | 15.5% |
| 45 to 59 min | 11.5% |
| 60+ min | 17.1% |
Before borrowing in Screven County
A few patterns in the Screven County data, and the practical point behind each:
- Hospital bills in Screven County. For the 13% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Commuter costs. 29% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- Manufactured homes. 30% of Screven County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
What a median Screven County budget can carry
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Screven County household at the medians it works out like this; treat it as an illustration only.
- Start: $4,399 gross per month ($52,792 / 12)
- Rent at the median, $679, takes 15% of that
- $1,213: what a 43% ratio leaves once rent is paid
Two-income households and single earners in Screven County land in very different places on this math, so run it for your own budget.
Before you sign
Before you apply, wherever you live in Screven County:
- Write down what the expense costs; a smaller loan costs less.
- Collect three written offers and compare APR and total repaid.
- A Georgia license check takes minutes; do it first.
- Read the final agreement; it must match the offer.
Checking a lender's license in Georgia
Licensing happens at the state level, so a lender working with Screven County borrowers answers to the Georgia Department of Banking and Finance. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. Statewide data and rules: Georgia guide.
Related local guides
For statewide rules and data, see the Georgia guide.
Frequently asked questions
How much do households in Screven County earn?
The median is $52,792; 24% earn $100,000 or more and 31% under $35,000. A lender uses your own documented income, not this figure.
How does Screven County rent compare with Georgia?
$679 locally versus $1,393 for the state, 51% below.
What are the biggest places in Screven County?
By population: Sylvania, Hiltonia, Newington, Rocky Ford, Oliver. The county has 5 Census places in all.
Can Screven County residents use the questionnaire?
Yes. It asks the same questions in every Georgia county, lists every requirement up front and does not affect your credit score.
Is there a Screven County office that licenses lenders?
No, licensing is statewide. In Georgia it is the Georgia Department of Banking and Finance.