1st Advantage MortgageTalbot County households have a median income of $41,597 and median rent of $816 a month (ACS 2020 to 2024). Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Who lives in Talbot County
- Housing costs in Talbot County
- Household income in Talbot County
- How Talbot County residents earn a living
- Places inside Talbot County
- The counties around Talbot County
- What a median Talbot County budget can carry
- More Talbot County figures
- Reading the Talbot County data as a borrower
- Before you sign
- Georgia rules that apply in Talbot County
- Nearby and statewide guides
- Frequently asked questions
Who lives in Talbot County
Roughly 5,742 residents live in Talbot County, Georgia, 148th by population among the state's 159 counties and county equivalents. It covers 391 square miles of land, or about 15 people per square mile. For statistical purposes it belongs to the Columbus, GA-AL metro area, as delineated by the Office of Management and Budget in July 2023. Of the 5 Census places inside Talbot County, Talbotton leads by population with about 665; 4 of the 5 are incorporated. With so few households sampled, Talbot County estimates can move a lot between releases.
Housing costs in Talbot County
A typical Talbot County rental runs $816 a month including utilities, which is 41% below Georgia. Rent takes 30% or more of income for 56% of renter households here. The median owner-occupied home is valued at $117,100, about 2.8 times the median household income. The ownership rate is 80%. Half the housing stock was built before 1986.
| Measure | Talbot County | Georgia | Median U.S. county |
|---|---|---|---|
| Median gross rent | $816/mo | $1,393/mo | $877/mo |
| Median home value | $117,100 | $303,300 | $185,300 |
| Owners | 80% | 66% | 75% |
| Rent-burdened renters | 56% | 52% | 45% |
| Burdened owners | 37% | 26% | n/a |
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.
Household income in Talbot County
The median household income in Talbot County is $41,597; statewide it is $77,353, so Talbot County runs 46% below Georgia as a whole. Only 150 Georgia counties post a higher median.
| Income band | Share in Talbot County | Difference from Georgia |
|---|---|---|
| Under $35,000 | 42.5% | +20.4 pts |
| $35,000 to $99,999 | 40.9% | +1.4 pts |
| $100,000 to $199,999 | 11.5% | -15.0 pts |
| $200,000 or more | 5.1% | -6.8 pts |
About 43% of households earn under $35,000, while 17% clear $100,000. The poverty rate is 25.2%, 12 points higher than the state's 13.4%. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
How Talbot County residents earn a living
By the Census industry count, 25% of employed Talbot County residents work in education and health care and 14% in manufacturing. Education and health care stands out: 25% of workers here, versus 21% statewide. The survey's unemployment rate for Talbot County averages 3.3% over 2020 to 2024 (state: 5.1%). About 75% drive to work alone and 41% have trips of 45 minutes or more. Households without a car make up 9.6% of the total (5.9% statewide).
| Top industries | Talbot County share | +/- vs Georgia |
|---|---|---|
| Education and health care | 25.4% | +4.4 pts |
| Manufacturing | 14.3% | +4.2 pts |
| Professional and administrative services | 11.3% | -2.3 pts |
| Retail trade | 8.9% | -2.3 pts |
| Arts, lodging and food service | 8.9% | +0.4 pts |
| Construction | 7.5% | +0.5 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Talbot County should have bank statements and tax returns ready.
Places inside Talbot County
The table lists the 5 largest of 5 Census places in Talbot County, by population. Together all 5 hold about 1,619 people, so roughly 72% of residents live outside any named place. No Talbot County place has a separate guide yet; this county page serves all 5.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Talbotton | city | 665 | $21,635 | $1,016 | 2 mi |
| Junction City | town | 353 | n/a | $706 | 8 mi |
| Woodland | city | 272 | $40,000 | $923 | 6 mi |
| Box Springs | CDP | 228 | n/a | $586 | 13 mi |
| Geneva | town | 101 | $113,438 | n/a | 9 mi |
The counties around Talbot County
Distances run center to center, from Upson County at 18 miles out to Muscogee County at 24. All of the six report a higher median household income than Talbot County; Harris County is highest at $97,302 and Taylor County lowest at $41,788.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Talbot County | - | $41,597 | $816/mo | 80% |
| Upson County, GA | 18 mi | $55,429 | $849/mo | 61% |
| Taylor County, GA | 19 mi | $41,788 | $630/mo | 63% |
| Harris County, GA | 22 mi | $97,302 | $1,048/mo | 89% |
| Meriwether County, GA | 24 mi | $57,340 | $920/mo | 73% |
| Marion County, GA | 24 mi | $51,667 | $710/mo | 79% |
| Muscogee County, GA | 24 mi | $58,073 | $1,106/mo | 51% |
What a median Talbot County budget can carry
Talbot County at the medians, through a lender's eyes (what DTI means):
- Start: $3,466 gross per month ($41,597 / 12)
- Housing at the median rent of $816 uses 24%
- With a 36% ceiling, about $432 remains for car, card, student and any new loan payments
- With a 43% ceiling, about $675 remains for car, card, student and any new loan payments
Two-income households and single earners in Talbot County land in very different places on this math, so run it for your own budget.
More Talbot County figures
College graduates make up 12% of the adult population. 11.8% of residents have no health coverage.
| People and households | Talbot County | Georgia | Median county |
|---|---|---|---|
| Median age | 51.0 | 37.6 | 41.5 |
| Bachelor's or higher | 12.1% | 34.9% | 22.2% |
| No high school diploma | 17.6% | 10.8% | n/a |
| No health insurance | 11.8% | 12.4% | 7.8% |
| No vehicle | 9.6% | 5.9% | 5.4% |
| Work from home | 9.0% | 15.9% | 8.7% |
| Poverty rate | 25.2% | 13.4% | 13.2% |
| Unemployment (ACS) | 3.3% | 5.1% | 4.4% |
| One-way commute | Share of Talbot County workers |
|---|---|
| Under 15 min | 9.4% |
| 15 to 29 min | 19.7% |
| 30 to 44 min | 30.1% |
| 45 to 59 min | 15.4% |
| 60+ min | 25.5% |
Reading the Talbot County data as a borrower
The county's numbers point to a few situations that come up often for Talbot County borrowers.
- Medical bills. 12% of Talbot County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Commuter costs. 41% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- Mobile home upkeep. 33% of units fall in this category; roof, skirting and HVAC jobs are common reasons to borrow.
- Older households. A 51.0 median age means fixed-income borrowing is common; a fixed payment and short term limit risk.
Before you sign
A short checklist for Talbot County borrowers:
- Borrow the amount the job needs; extra cash adds interest.
- Collect three written offers and compare APR and total repaid.
- Verify the Georgia license before giving out your Social Security number.
- Keep a small cushion so one surprise bill does not mean another loan.
Georgia rules that apply in Talbot County
Before sharing details with a lender, a Talbot County resident can confirm its license with 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
The Georgia guide covers the whole state.
Frequently asked questions
What is the median household income in Talbot County?
$41,597 a year in the 2020 to 2024 Census survey, versus $77,353 for Georgia. It ranks 151st of 159 in the state.
Is Talbot County expensive for renters?
Median rent is $816 against $1,393 statewide, and 56% of renter households are cost-burdened.
Should Talbot County homeowners use home equity instead?
Maybe, but weigh the risk: 80% of Talbot County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
Does this page cover Talbotton?
Yes, along with the other 4 Census places in Talbot County, such as Junction City, Woodland, Box Springs.
Will a Talbot County address affect my match?
Beyond confirming Georgia as your state, no. Your answers about amount, credit, income and payments are all that count.