1st Advantage MortgageIn Thomas County, Georgia, the typical household earns $60,736 a year and the typical rent is $1,018. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Thomas County, GA: the basics
- Household income in Thomas County
- Employment and commuting in Thomas County
- Housing costs in Thomas County
- How Thomas County compares with nearby counties
- Places inside Thomas County
- Room for a loan payment in Thomas County
- More Thomas County figures
- Borrowing situations common in Thomas County
- Who licenses lenders for Thomas County residents
- A Thomas County borrower's checklist
- More guides for Thomas County
- Frequently asked questions
Thomas County, GA: the basics
Roughly 45,777 residents live in Thomas County, Georgia, 46th by population among the state's 159 counties and county equivalents. Land area is 545 square miles (2024 Gazetteer), so density runs near 84 per square mile. No metropolitan area includes Thomas County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Thomasville is the biggest of its 5 Census places, at roughly 18,666 people (41% of the county total).
Household income in Thomas County
Thomas County households have a median income of $60,736 (ACS 2020 to 2024), which ranks 65th of 159 in Georgia.
| Band | Thomas County | Compared with Georgia |
|---|---|---|
| Under $35,000 | 29.1% | +7.0 pts |
| $35,000 to $99,999 | 42.2% | +2.6 pts |
| $100,000 to $199,999 | 24.2% | -2.3 pts |
| $200,000 or more | 4.5% | -7.3 pts |
Some 29% of households here live on less than $35,000 a year; 29% have six-figure incomes. 17.9% of residents fall below the federal poverty line (statewide: 13.4%). Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Employment and commuting in Thomas County
The biggest employer of Thomas County residents, by industry, is education and health care at 26% of workers, followed by retail trade (12%). Education and health care stands out: 26% of workers here, versus 21% statewide. Averaged over the five survey years, 5.6% of the labor force was out of work and looking. Long commutes are the exception here: 10% of workers spend 45 minutes or longer getting to work.
| Industry (employed residents 16+) | Thomas County | Gap to Georgia |
|---|---|---|
| Education and health care | 26.0% | +5.0 pts |
| Retail trade | 12.2% | +1.0 pts |
| Professional and administrative services | 10.6% | -3.0 pts |
| Manufacturing | 9.2% | -0.9 pts |
| Arts, lodging and food service | 8.1% | -0.4 pts |
| Construction | 6.2% | -0.7 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
Housing costs in Thomas County
A typical Thomas County rental runs $1,018 a month including utilities, which is 27% below Georgia. Rent takes 30% or more of income for 50% of renter households here. The median owner-occupied home is valued at $196,700, about 3.2 times the median household income. 64% of Thomas County households own their home and 36% rent. Median construction year: 1987.
| Measure | Thomas County | Georgia | Median U.S. county |
|---|---|---|---|
| Median gross rent | $1,018/mo | $1,393/mo | $877/mo |
| Median home value | $196,700 | $303,300 | $185,300 |
| Owners | 64% | 66% | 75% |
| Rent-burdened renters | 50% | 52% | 45% |
| Burdened owners | 25% | 26% | n/a |
| Mobile homes | 18.8% | 7.8% | n/a |
| Vacant units | 12% | 10% | n/a |
High rent burdens leave little slack. If you are borrowing to consolidate, make sure the new payment is lower than the ones it replaces.
How Thomas County compares with nearby counties
Nearest neighbors first, measured between county centers (19 to 35 miles). Leon County leads the group on income ($66,287), Brooks County trails ($46,807), and Thomas County out-earns 4 of the six. The list crosses into Florida, where different lending rules and regulators apply.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Thomas County | - | $60,736 | $1,018/mo | 64% |
| Grady County, GA | 19 mi | $58,980 | $779/mo | 66% |
| Brooks County, GA | 20 mi | $46,807 | $809/mo | 72% |
| Colquitt County, GA | 24 mi | $49,341 | $818/mo | 64% |
| Mitchell County, GA | 30 mi | $57,613 | $797/mo | 65% |
| Jefferson County, FL | 32 mi | $61,212 | $898/mo | 76% |
| Leon County, FL | 35 mi | $66,287 | $1,291/mo | 53% |
Places inside Thomas County
Here are the 5 most populous of the county's 5 Census places, with income and rent from the same 2020 to 2024 survey. About 49% of Thomas County residents live in one of the 5. Coolidge has the highest median household income on the list ($59,063) and Ochlocknee the lowest ($42,438), counting places with at least 500 residents. No Thomas County place has a separate guide yet; this county page serves all 5.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Thomasville | city | 18,666 | $49,673 | $1,077 | 4 mi |
| Boston | city | 1,520 | $44,728 | $855 | 9 mi |
| Coolidge | city | 923 | $59,063 | $724 | 11 mi |
| Pavo | city | 901 | $52,708 | $843 | 13 mi |
| Ochlocknee | town | 628 | $42,438 | $834 | 11 mi |
Room for a loan payment in Thomas County
Here is the Thomas County median household run through a simple DTI check. Your numbers will differ.
- $60,736 a year is $5,061 of gross monthly income
- Housing at the median rent of $1,018 uses 20%
- Under a 36% cap, $1,822 total minus rent leaves $804
If your rent is above $1,018, the room shrinks dollar for dollar.
More Thomas County figures
Degree holders: 23% of adults over 25. About 12% go without health insurance.
| Measure | Thomas County | Georgia statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 39.8 | 37.6 | 41.5 |
| Bachelor's or higher | 22.7% | 34.9% | 22.2% |
| No high school diploma | 10.9% | 10.8% | n/a |
| No health insurance | 11.8% | 12.4% | 7.8% |
| No vehicle | 5.9% | 5.9% | 5.4% |
| Work from home | 7.8% | 15.9% | 8.7% |
| Poverty rate | 17.9% | 13.4% | 13.2% |
| Unemployment (ACS) | 5.6% | 5.1% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 43.6% |
| 15 to 29 min | 35.2% |
| 30 to 44 min | 11.7% |
| 45 to 59 min | 2.9% |
| 60+ min | 6.6% |
Borrowing situations common in Thomas County
What the Thomas County figures suggest, and what to check first:
- Uninsured care. 12% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Repairs on manufactured housing. With 19% of homes here, compare a personal loan with any dealer or park repair program.
- Rent squeeze. 50% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
Who licenses lenders for Thomas County residents
Consumer lenders serving Thomas County are licensed by the state, not the county; in Georgia that is the Georgia Department of Banking and Finance. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. The Georgia guide covers state rules in more detail.
A Thomas County borrower's checklist
Four checks before you sign anything:
- Know the exact dollar figure you need before talking to a lender.
- Compare the total repaid on every offer, not just the payment.
- Verify the Georgia license before giving out your Social Security number.
- Confirm the first due date before setting up autopay.
More guides for Thomas County
The Georgia guide covers the whole state.
Frequently asked questions
How much do households in Thomas County earn?
The median is $60,736; 29% earn $100,000 or more and 29% under $35,000. A lender uses your own documented income, not this figure.
Is Thomas County expensive for renters?
Median rent is $1,018 against $1,393 statewide, and 50% of renter households are cost-burdened.
Does this page cover Thomasville?
Yes, along with the other 4 Census places in Thomas County, such as Boston, Coolidge, Pavo.
Can Thomas 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.
Who do I complain to about a lender in Thomas County?
Start with the Georgia Department of Banking and Finance, then the CFPB complaint portal. Keep copies of every message.