1st Advantage MortgageIn Warren County, Georgia, the typical household earns $44,289 a year and the typical rent is $690. 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
- Warren County, GA: the basics
- Warren County housing compared with Georgia
- Income in Warren County compared with Georgia
- Jobs and commutes in Warren County
- Places inside Warren County
- Counties near Warren County
- What a median Warren County budget can carry
- People and households in Warren County
- What the numbers mean for Warren County borrowers
- Licensing and complaints for Warren County
- Checklist for Warren County applicants
- Nearby and statewide guides
- Frequently asked questions
Warren County, GA: the basics
Roughly 5,170 residents live in Warren County, Georgia, 150th by population among the state's 159 counties and county equivalents. Land area is 284 square miles (2024 Gazetteer), so density runs near 18 per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Warrenton is the biggest of its 3 Census places, at roughly 2,000 people (39% of the county total). With so few households sampled, Warren County estimates can move a lot between releases.
Warren County housing compared with Georgia
Renters in Warren County pay a median of $690 a month, 50% below the Georgia figure of $1,393. 48% of renting households spend 30% or more of income on rent, and 31% spend half or more. Home values center on $67,100, or 1.5 years of median income. 72% of Warren County households own their home and 28% rent.
| Warren County | Georgia | U.S. county median | |
|---|---|---|---|
| Median gross rent | $690/mo | $1,393/mo | $877/mo |
| Median home value | $67,100 | $303,300 | $185,300 |
| Owners | 72% | 66% | 75% |
| Rent-burdened renters | 48% | 52% | 45% |
| Burdened owners | 37% | 26% | n/a |
| Mobile homes | 30.9% | 7.8% | n/a |
Because most Warren County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral.
Income in Warren County compared with Georgia
Half of Warren County households take in less than $44,289 a year and half take in more, 43% below the Georgia median of $77,353. Only 145 Georgia counties post a higher median.
| Band | Warren County | Compared with Georgia |
|---|---|---|
| Under $35,000 | 37.5% | +15.4 pts |
| $35,000 to $99,999 | 45.9% | +6.4 pts |
| $100,000 to $199,999 | 15.1% | -11.3 pts |
| $200,000 or more | 1.5% | -10.4 pts |
The spread is wide: 17% of Warren County households make $100,000 or more, and 38% make less than $35,000. 21.4% of residents fall below the federal poverty line (statewide: 13.4%). The Gini index of income inequality is 0.439 (0 is perfect equality). A household earning below the $44,289 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Jobs and commutes in Warren County
By the Census industry count, 25% of employed Warren County residents work in education and health care and 20% in manufacturing. Manufacturing stands out: 20% of workers here, versus 10% statewide. Averaged over the five survey years, 10.0% of the labor force was out of work and looking. About 86% drive to work alone and 19% have trips of 45 minutes or more.
| Industry | Share of Warren County workers | vs Georgia |
|---|---|---|
| Education and health care | 24.8% | +3.8 pts |
| Manufacturing | 20.4% | +10.3 pts |
| Retail trade | 11.1% | -0.2 pts |
| Professional and administrative services | 8.9% | -4.6 pts |
| Transportation, warehousing and utilities | 6.8% | -0.5 pts |
| Agriculture, forestry and mining | 5.7% | +4.7 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Places inside Warren County
The table lists the 3 largest of 3 Census places in Warren County, by population. Together all 3 hold about 2,670 people, so roughly 48% of residents live outside any named place. None of the 3 has its own city guide, so this page covers all of them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Warrenton | city | 2,000 | $34,103 | $736 | 1 mi |
| Camak | town | 356 | $62,440 | n/a | 3 mi |
| Norwood | city | 314 | $31,080 | $681 | 4 mi |
Counties near Warren County
Nearest neighbors first, measured between county centers (12 to 26 miles). 5 of the six report a higher median household income than Warren County; Columbia County is highest at $95,592 and Hancock County lowest at $40,082.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Warren County | - | $44,289 | $690/mo | 72% |
| McDuffie County, GA | 12 mi | $56,733 | $792/mo | 65% |
| Glascock County, GA | 13 mi | $54,934 | $642/mo | 68% |
| Taliaferro County, GA | 16 mi | $52,500 | $638/mo | 82% |
| Hancock County, GA | 21 mi | $40,082 | $938/mo | 79% |
| Wilkes County, GA | 26 mi | $52,043 | $786/mo | 66% |
| Columbia County, GA | 26 mi | $95,592 | $1,409/mo | 78% |
What a median Warren County budget can carry
The debt-to-income ratio is the main affordability test lenders use. Applied to Warren County's medians:
- Start: $3,691 gross per month ($44,289 / 12)
- 19% goes to median rent ($690)
- $639: what a 36% ratio leaves once rent is paid
- Under a 43% cap, $1,587 total minus rent leaves $897
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
People and households in Warren County
Degree holders: 12% of adults over 25. About 8% go without health insurance.
| Indicator | Warren County | All of Georgia | U.S. county median |
|---|---|---|---|
| Median age | 44.3 | 37.6 | 41.5 |
| Bachelor's or higher | 12.3% | 34.9% | 22.2% |
| No high school diploma | 23.5% | 10.8% | n/a |
| No health insurance | 7.7% | 12.4% | 7.8% |
| No vehicle | 7.6% | 5.9% | 5.4% |
| Work from home | 2.1% | 15.9% | 8.7% |
| Poverty rate | 21.4% | 13.4% | 13.2% |
| Unemployment (ACS) | 10.0% | 5.1% | 4.4% |
| Minutes to work | Warren County workers |
|---|---|
| Under 15 min | 26.7% |
| 15 to 29 min | 31.0% |
| 30 to 44 min | 23.2% |
| 45 to 59 min | 2.9% |
| 60+ min | 16.2% |
What the numbers mean for Warren County borrowers
Based on the Warren County data above, these borrowing questions are most likely to matter locally.
- Vehicle repairs. 19% of Warren County workers commute 45+ minutes, so a breakdown can cost a paycheck. Get two written estimates.
- 31% 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 21% in poverty, nonprofit credit counseling may beat a loan (options).
- Tight rental budgets. With 48% of Warren County renters cost-burdened, test a new payment against a lean month.
Licensing and complaints for Warren County
Licensing happens at the state level, so a lender working with Warren 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.
Checklist for Warren County applicants
A short checklist for Warren County borrowers:
- Know the exact dollar figure you need before talking to a lender.
- Ask each lender for the APR and all fees in writing.
- Verify the Georgia license before giving out your Social Security number.
- Read the final agreement; it must match the offer.
Nearby and statewide guides
For statewide rules and data, see the Georgia guide.
Frequently asked questions
What is the median household income in Warren County?
$44,289 a year in the 2020 to 2024 Census survey, versus $77,353 for Georgia. It ranks 146th of 159 in the state.
Is Warren County expensive for renters?
Median rent is $690 against $1,393 statewide, and 48% of renter households are cost-burdened.
Should Warren County homeowners use home equity instead?
Maybe, but weigh the risk: 72% of Warren 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 Warrenton?
Yes, along with the other 2 Census places in Warren County, such as Camak, Norwood.
Can Warren 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.