1st Advantage MortgageAbout 77% of Webster County homes are owner-occupied, and the median household income is $46,792. 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
- Getting oriented in Webster County
- Employment and commuting in Webster County
- What Webster County households earn
- What it costs to live in Webster County
- Neighboring counties at a glance
- The communities that make up Webster County
- Budget math at the Webster County median
- Webster County residents: age, schooling, coverage
- What the numbers mean for Webster County borrowers
- Steps before you apply in Webster County
- Georgia rules that apply in Webster County
- Nearby and statewide guides
- Frequently asked questions
Getting oriented in Webster County
Roughly 2,381 residents live in Webster County, Georgia, 157th by population among the state's 159 counties and county equivalents. Land area is 210 square miles (2024 Gazetteer), so density runs near 11 per square mile. No metropolitan area includes Webster County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Webster County, with about 2,381 people, is the only Census place mainly inside the county. Because Webster County is small, the survey's margins of error are wide; treat the numbers as approximate.
Employment and commuting in Webster County
The biggest employer of Webster County residents, by industry, is education and health care at 19% of workers, followed by agriculture, forestry and mining (15%). Agriculture, forestry and mining stands out: 15% of workers here, versus 1% statewide. The survey's unemployment rate for Webster County averages 4.2% over 2020 to 2024 (state: 5.1%). About 84% drive to work alone and 29% have trips of 45 minutes or more. 7.7% of households have no vehicle.
| Top industries | Webster County share | +/- vs Georgia |
|---|---|---|
| Education and health care | 19.2% | -1.8 pts |
| Agriculture, forestry and mining | 15.0% | +14.1 pts |
| Manufacturing | 10.8% | +0.7 pts |
| Professional and administrative services | 9.6% | -3.9 pts |
| Arts, lodging and food service | 9.4% | +0.8 pts |
| Transportation, warehousing and utilities | 7.8% | +0.5 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Webster County should have bank statements and tax returns ready.
What Webster County households earn
At $46,792, the typical Webster County household income is 29% below the median U.S. county ($65,681).
| Band | Webster County | Compared with Georgia |
|---|---|---|
| Under $35,000 | 42.1% | +20.0 pts |
| $35,000 to $99,999 | 41.9% | +2.4 pts |
| $100,000 to $199,999 | 13.3% | -13.2 pts |
| $200,000 or more | 2.7% | -9.1 pts |
The spread is wide: 16% of Webster County households make $100,000 or more, and 42% make less than $35,000. Census counts 22.3% of Webster County residents in poverty, against 13.4% across Georgia. For a borrower in Webster County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
What it costs to live in Webster County
Median gross rent, utilities included, comes to $658 in Webster County versus $1,393 statewide. 28% of renting households spend 30% or more of income on rent, and 20% spend half or more. Home values center on $82,600, or 1.8 years of median income. 77% of Webster County households own their home and 23% rent. The median year built is 1987.
| Measure | Webster County | Georgia | Median U.S. county |
|---|---|---|---|
| Median gross rent | $658/mo | $1,393/mo | $877/mo |
| Median home value | $82,600 | $303,300 | $185,300 |
| Owners | 77% | 66% | 75% |
| Rent-burdened renters | 28% | 52% | 45% |
| Burdened owners | 50% | 26% | n/a |
| Vacant units | 26% | 10% | 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).
Neighboring counties at a glance
Six nearby counties, 17 to 23 miles away by the straight-line distance between their centers. Schley County leads the group on income ($56,875), Randolph County trails ($28,380), and Webster County out-earns 4 of the six.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Webster County | - | $46,792 | $658/mo | 77% |
| Stewart County, GA | 17 mi | $33,250 | $607/mo | 59% |
| Terrell County, GA | 20 mi | $46,171 | $745/mo | 62% |
| Schley County, GA | 20 mi | $56,875 | $816/mo | 80% |
| Sumter County, GA | 20 mi | $42,653 | $857/mo | 57% |
| Marion County, GA | 22 mi | $51,667 | $710/mo | 79% |
| Randolph County, GA | 23 mi | $28,380 | $606/mo | 52% |
The communities that make up Webster County
Webster County is the only Census place mainly inside Webster County, with about 2,381 of the county's 2,381 residents. This guide covers each of the 1 places and the rural areas around them.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Webster County | place | 2,381 | $46,792 | $658 | 0 mi |
Budget math at the Webster County median
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Webster County household at the medians it works out like this; treat it as an illustration only.
- Monthly gross at the median, Webster County: $3,899
- Less median rent of $658, which is 17% of it
- With a 35% ceiling, about $707 remains for car, card, student and any new loan payments
- $1,097: what a 45% ratio leaves once rent is paid
If your rent is above $658, the room shrinks dollar for dollar.
Webster County residents: age, schooling, coverage
College graduates make up 9% of the adult population. About 21% go without health insurance.
| Residents | Webster County | Georgia | Middle U.S. county |
|---|---|---|---|
| Median age | 42.9 | 37.6 | 41.5 |
| Bachelor's or higher | 8.9% | 34.9% | 22.2% |
| No high school diploma | 11.2% | 10.8% | n/a |
| No health insurance | 21.5% | 12.4% | 7.8% |
| No vehicle | 7.7% | 5.9% | 5.4% |
| Work from home | 3.3% | 15.9% | 8.7% |
| Poverty rate | 22.3% | 13.4% | 13.2% |
| Unemployment (ACS) | 4.2% | 5.1% | 4.4% |
| Minutes to work | Webster County workers |
|---|---|
| Under 15 min | 23.4% |
| 15 to 29 min | 22.1% |
| 30 to 44 min | 25.1% |
| 45 to 59 min | 14.2% |
| 60+ min | 15.1% |
What the numbers mean for Webster County borrowers
Where the Webster County numbers stand out, and why it matters for a loan:
- Health costs. With 21% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- Vehicle repairs. 29% of Webster County workers commute 45+ minutes, so a breakdown can cost a paycheck. Get two written estimates.
- Mobile home upkeep. 50% of units fall in this category; roof, skirting and HVAC jobs are common reasons to borrow.
- Assistance before credit. With a 22% poverty rate, check no-cost options before any Webster County loan.
Steps before you apply in Webster County
Steps that save money for Webster County residents:
- Get a written quote for whatever you are paying for in Webster County.
- Collect three written offers and compare APR and total repaid.
- Confirm the lender is licensed in Georgia.
- Ask about early-payoff penalties.
Georgia rules that apply in Webster County
Before sharing details with a lender, a Webster County resident can confirm its license with the Georgia Department of Banking and Finance. Federal complaints: consumerfinance.gov. More on Georgia: Georgia personal loans.
Nearby and statewide guides
The Georgia guide covers the whole state.
Frequently asked questions
Is Webster County a high-income county?
Its $46,792 median ranks 136th of 159 Georgia counties and compares with $65,681 for the median U.S. county.
How does Webster County rent compare with Georgia?
$658 locally versus $1,393 for the state, 53% below.
Which towns does the Webster County guide cover?
Every community in the county, unincorporated areas included. The largest of its 1 Census places: Webster County.
Is the fit check different in Webster County?
No. It is identical everywhere, and it never looks at your neighborhood.
Who regulates personal lenders for Webster 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.