1st Advantage MortgageToombs County households have a median income of $52,621 and median rent of $768 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
- Toombs County, GA: the basics
- Household income in Toombs County
- Toombs County housing compared with Georgia
- The Toombs County job picture
- Places inside Toombs County
- Regional comparison for Toombs County
- People and households in Toombs County
- What the numbers mean for Toombs County borrowers
- Room for a loan payment in Toombs County
- Licensing and complaints for Toombs County
- Checklist for Toombs County applicants
- Nearby and statewide guides
- Frequently asked questions
Toombs County, GA: the basics
With an estimated 27,102 residents (ACS 2020 to 2024), Toombs County ranks 70th of 159 in Georgia for population. Land area is 364 square miles (2024 Gazetteer), so density runs near 74 per square mile. No metropolitan area includes Toombs County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Vidalia is the biggest of its 4 Census places, at roughly 10,752 people (40% of the county total).
Household income in Toombs County
At $52,621, the typical Toombs County household income is 20% below the median U.S. county ($65,681). In the state ranking that is 111th of 159.
| Band | Toombs County | Compared with Georgia |
|---|---|---|
| Under $35,000 | 35.5% | +13.3 pts |
| $35,000 to $99,999 | 41.9% | +2.4 pts |
| $100,000 to $199,999 | 18.9% | -7.5 pts |
| $200,000 or more | 3.7% | -8.2 pts |
The spread is wide: 23% of Toombs County households make $100,000 or more, and 35% make less than $35,000. 22.5% of residents fall below the federal poverty line (statewide: 13.4%). The Gini index of income inequality is 0.452 (0 is perfect equality). If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Toombs County median.
Toombs County housing compared with Georgia
A typical Toombs County rental runs $768 a month including utilities, which is 45% below Georgia. 43% of renting households spend 30% or more of income on rent, and 20% spend half or more. With a median value of $137,000, a typical Toombs County house costs 2.6 times what the median household earns in a year. The ownership rate is 61%. The median year built is 1984.
| Cost | Toombs County | Georgia figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $768/mo | $1,393/mo | $877/mo |
| Median home value | $137,000 | $303,300 | $185,300 |
| Owners | 61% | 66% | 75% |
| Rent-burdened renters | 43% | 52% | 45% |
| Burdened owners | 32% | 26% | n/a |
| Mobile homes | 26.2% | 7.8% | n/a |
| Vacant units | 14% | 10% | n/a |
The Toombs County job picture
Education and health care employs 21% of working residents, the largest share; manufacturing is next with 15%. The sharpest difference from the state is in agriculture, forestry and mining, at 8% locally and 1% for Georgia. ACS puts five-year average unemployment at 4.4% in Toombs County. 13% of commuters travel 45 minutes or more each way, and 4% work from home. 10.4% of households have no vehicle.
| Industry (employed residents 16+) | Toombs County | Gap to Georgia |
|---|---|---|
| Education and health care | 21.3% | +0.3 pts |
| Manufacturing | 15.0% | +4.9 pts |
| Retail trade | 10.8% | -0.5 pts |
| Transportation, warehousing and utilities | 10.4% | +3.1 pts |
| Arts, lodging and food service | 8.5% | 0.0 pts |
| Agriculture, forestry and mining | 7.8% | +6.8 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Toombs County should have bank statements and tax returns ready.
Places inside Toombs County
4 Census places fall mainly inside Toombs County; the 4 biggest are below. They account for 15,145 residents, leaving about 44% of the county in unincorporated, unnamed areas. This guide covers each of the 4 places and the rural areas around them.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Vidalia | city | 10,752 | $49,370 | $794 | 8 mi |
| Lyons | city | 4,219 | $42,059 | $628 | 6 mi |
| Santa Claus | city | 169 | $53,750 | $883 | 4 mi |
| Ohoopee | CDP | 5 | n/a | n/a | 8 mi |
Regional comparison for Toombs County
Nearest neighbors first, measured between county centers (12 to 26 miles). 2 of the six report a higher median household income than Toombs County; Treutlen County is highest at $55,518 and Wheeler County lowest at $40,539.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Toombs County | - | $52,621 | $768/mo | 61% |
| Montgomery County, GA | 12 mi | $51,941 | $760/mo | 76% |
| Tattnall County, GA | 17 mi | $50,747 | $699/mo | 71% |
| Wheeler County, GA | 24 mi | $40,539 | $581/mo | 66% |
| Treutlen County, GA | 25 mi | $55,518 | $733/mo | 65% |
| Candler County, GA | 25 mi | $49,581 | $715/mo | 62% |
| Evans County, GA | 26 mi | $53,259 | $719/mo | 65% |
People and households in Toombs County
Degree holders: 18% of adults over 25. The uninsured rate is 16.0%, against 12.4% for Georgia.
| People and households | Toombs County | Georgia | Median county |
|---|---|---|---|
| Median age | 37.3 | 37.6 | 41.5 |
| Bachelor's or higher | 18.4% | 34.9% | 22.2% |
| No high school diploma | 15.5% | 10.8% | n/a |
| No health insurance | 16.0% | 12.4% | 7.8% |
| No vehicle | 10.4% | 5.9% | 5.4% |
| Work from home | 4.1% | 15.9% | 8.7% |
| Poverty rate | 22.5% | 13.4% | 13.2% |
| Unemployment (ACS) | 4.4% | 5.1% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 46.0% |
| 15 to 29 min | 27.9% |
| 30 to 44 min | 13.4% |
| 45 to 59 min | 5.6% |
| 60+ min | 7.1% |
What the numbers mean for Toombs County borrowers
A few patterns in the Toombs County data, and the practical point behind each:
- Uninsured care. 16% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Repairs on manufactured housing. With 26% of homes here, compare a personal loan with any dealer or park repair program.
- Assistance before credit. With a 22% poverty rate, check no-cost options before any Toombs County loan.
Room for a loan payment in Toombs County
How much room does a median Toombs County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Monthly gross at the median, Toombs County: $4,385
- Rent at the median, $768, takes 18% of that
- Under a 43% cap, $1,886 total minus rent leaves $1,118
If your rent is above $768, the room shrinks dollar for dollar.
Licensing and complaints for Toombs County
Consumer lenders serving Toombs County are licensed by the state, not the county; in Georgia that is the Georgia Department of Banking and Finance. A CFPB complaint gets forwarded to the company for a response. More on Georgia: Georgia personal loans.
Checklist for Toombs County applicants
Steps that save money for Toombs County residents:
- Write down what the expense costs; a smaller loan costs less.
- Line up offers side by side: APR, fees in dollars, total cost.
- Check the license, then the reviews, then the offer.
- Ask about early-payoff penalties.
Nearby and statewide guides
For statewide rules and data, see the Georgia guide.
Frequently asked questions
Is Toombs County a high-income county?
Its $52,621 median ranks 111th of 159 Georgia counties and compares with $65,681 for the median U.S. county.
How much is rent in Toombs County?
Median gross rent, utilities included, is $768 a month; 43% of renters spend 30% or more of income on it.
What are the biggest places in Toombs County?
By population: Vidalia, Lyons, Santa Claus, Ohoopee. The county has 4 Census places in all.
Are Toombs 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.
Who regulates personal lenders for Toombs County residents?
The Georgia Department of Banking and Finance licenses consumer lenders in Georgia; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.