1st Advantage MortgageIn Taylor County, Georgia, the typical household earns $41,788 a year and the typical rent is $630. 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
- A quick profile of Taylor County
- Housing costs in Taylor County
- Household income in Taylor County
- Employment and commuting in Taylor County
- How Taylor County compares with nearby counties
- Taylor County towns compared
- Debt-to-income at Taylor County's medians
- What the numbers mean for Taylor County borrowers
- Taylor County households compared
- Checking a lender's license in Georgia
- A Taylor County borrower's checklist
- More guides for Taylor County
- Frequently asked questions
A quick profile of Taylor County
With an estimated 7,786 residents (ACS 2020 to 2024), Taylor County ranks 141st of 159 in Georgia for population. It covers 377 square miles of land, or about 21 people per square mile. Under the July 2023 OMB definitions, Taylor County is not part of any metropolitan area. Butler is the biggest of its 3 Census places, at roughly 1,935 people (25% of the county total). Small populations mean wide margins of error, so read every Taylor County figure on this page as a rough guide.
Housing costs in Taylor County
A typical Taylor County rental runs $630 a month including utilities, which is 55% below Georgia. 55% of renting households spend 30% or more of income on rent, and 22% spend half or more. Home values center on $87,700, or 2.1 years of median income. The ownership rate is 63%. Half the housing stock was built before 1986.
| Housing | Taylor County | Georgia statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $630/mo | $1,393/mo | $877/mo |
| Median home value | $87,700 | $303,300 | $185,300 |
| Owners | 63% | 66% | 75% |
| Rent-burdened renters | 55% | 52% | 45% |
| Burdened owners | 38% | 26% | n/a |
| Mobile homes | 35.8% | 7.8% | n/a |
| Vacant units | 19% | 10% | n/a |
Rent pressure is real here, so run any payment through the debt-to-income calculator before you apply.
Household income in Taylor County
At $41,788, the typical Taylor County household income is 36% below the median U.S. county ($65,681). In the state ranking that is 149th of 159.
| Band | Taylor County | Compared with Georgia |
|---|---|---|
| Under $35,000 | 42.5% | +20.3 pts |
| $35,000 to $99,999 | 38.6% | -0.9 pts |
| $100,000 to $199,999 | 15.4% | -11.0 pts |
| $200,000 or more | 3.5% | -8.4 pts |
About 42% of households earn under $35,000, while 19% clear $100,000. The poverty rate is 32.1%, 19 points higher than the state's 13.4%. The Gini index of income inequality is 0.516 (0 is perfect equality). None of these numbers decides a Taylor County application. Lenders weigh your own documented income against your own debts.
Employment and commuting in Taylor County
The biggest employer of Taylor County residents, by industry, is education and health care at 29% of workers, followed by manufacturing (10%). The sharpest difference from the state is in education and health care, at 29% locally and 21% for Georgia. The survey's unemployment rate for Taylor County averages 2.6% over 2020 to 2024 (state: 5.1%). 36% of commuters travel 45 minutes or more each way, and 6% work from home. Households without a car make up 15.5% of the total (5.9% statewide).
| Where residents work | Taylor County | Difference from Georgia |
|---|---|---|
| Education and health care | 29.2% | +8.2 pts |
| Manufacturing | 10.0% | -0.1 pts |
| Construction | 10.0% | +3.0 pts |
| Transportation, warehousing and utilities | 8.6% | +1.3 pts |
| Professional and administrative services | 8.0% | -5.6 pts |
| Public administration | 6.7% | +1.9 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.
How Taylor County compares with nearby counties
Nearest neighbors first, measured between county centers (18 to 23 miles). Crawford County leads the group on income ($67,116), Macon County trails ($41,031), and Taylor County out-earns 2 of the six.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Taylor County | - | $41,788 | $630/mo | 63% |
| Macon County, GA | 18 mi | $41,031 | $655/mo | 65% |
| Crawford County, GA | 19 mi | $67,116 | $914/mo | 81% |
| Talbot County, GA | 19 mi | $41,597 | $816/mo | 80% |
| Schley County, GA | 21 mi | $56,875 | $816/mo | 80% |
| Marion County, GA | 21 mi | $51,667 | $710/mo | 79% |
| Upson County, GA | 23 mi | $55,429 | $849/mo | 61% |
Taylor County towns compared
3 Census places fall mainly inside Taylor County; the 3 biggest are below. They account for 2,984 residents, leaving about 62% of the county in unincorporated, unnamed areas. Live in one of these Taylor County communities, or between them? This is your local guide.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Butler | city | 1,935 | $21,700 | $592 | 1 mi |
| Reynolds | city | 995 | $24,769 | $574 | 9 mi |
| Howard | CDP | 54 | n/a | n/a | 8 mi |
Debt-to-income at Taylor County's medians
Taylor County at the medians, through a lender's eyes (what DTI means):
- Median income divided by twelve: $3,482 before taxes
- Housing at the median rent of $630 uses 18%
- At 40%, room after rent is $763 a month
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Taylor County's.
What the numbers mean for Taylor County borrowers
Based on the Taylor County data above, these borrowing questions are most likely to matter locally.
- Medical bills. 10% of Taylor County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Commuter costs. 36% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- 36% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- Lower-cost alternatives. In a county with 32% in poverty, nonprofit credit counseling may beat a loan (options).
Taylor County households compared
18% of Taylor County adults 25 and older hold a bachelor's degree or more. 10.3% of residents have no health coverage.
| Residents | Taylor County | Georgia | Middle U.S. county |
|---|---|---|---|
| Median age | 44.0 | 37.6 | 41.5 |
| Bachelor's or higher | 17.5% | 34.9% | 22.2% |
| No high school diploma | 20.5% | 10.8% | n/a |
| No health insurance | 10.3% | 12.4% | 7.8% |
| No vehicle | 15.5% | 5.9% | 5.4% |
| Work from home | 6.5% | 15.9% | 8.7% |
| Poverty rate | 32.1% | 13.4% | 13.2% |
| Unemployment (ACS) | 2.6% | 5.1% | 4.4% |
| One-way commute | Share of Taylor County workers |
|---|---|
| Under 15 min | 30.9% |
| 15 to 29 min | 20.5% |
| 30 to 44 min | 12.9% |
| 45 to 59 min | 17.3% |
| 60+ min | 18.4% |
Checking a lender's license in Georgia
Taylor County borrowers fall under statewide rules, enforced by the Georgia Department of Banking and Finance. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. See the Georgia state guide for the statewide picture.
A Taylor County borrower's checklist
Before you apply, wherever you live in Taylor County:
- Write down what the expense costs; a smaller loan costs less.
- Shop at least three lenders, including one Taylor County-area credit union.
- Only work with lenders licensed for Georgia borrowers.
- Pick the shortest term whose payment still fits.
More guides for Taylor County
For statewide rules and data, see the Georgia guide.
Frequently asked questions
Is Taylor County a high-income county?
Its $41,788 median ranks 149th of 159 Georgia counties and compares with $65,681 for the median U.S. county.
How does Taylor County rent compare with Georgia?
$630 locally versus $1,393 for the state, 55% below.
Which towns does the Taylor County guide cover?
Every community in the county, unincorporated areas included. The largest of its 3 Census places: Butler, Reynolds, Howard.
Can Taylor 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.
Where can someone in Taylor County check a lender's license?
With the Georgia Department of Banking and Finance. If a lender is unlicensed or asks for a fee before funding, walk away.