Chambers County, Alabama: commercial real estate data.
Chambers County, Alabama has a population of 34,192 across 597 square miles, down 2.5 percent since the 2020 census base. County output reached $1.24 bn in 2024, 572 establishments operate here, and the SBA record carries 23 7(a) approvals worth $14.9 m.
120 sourced county values · tier FULL · 11 sections
Chambers County
How many people live in Chambers County
- Population34,192
- Households13,434
- Average household size2.55
- Median household income$49,656
- Median age41.3
- Median gross rent$871 per month
- Median owner-occupied home value$135,800
- Home value to household income2.7 times
- Annual rent as a share of median income21.0 percent
- Adults 25 and over with a bachelor degree or higher14.9 percent
- Adults 25 and over with a graduate degree4.9 percent
- Adults 25 and over24,289
- Population under 187,149
- Share under 1820.9 percent
- Population 65 and over6,939
- Share 65 and over20.3 percent
- Working age population, 18 to 6420,104
- Civilian labor force15,118
- Unemployment rate5.1 percent
- Labor force participation, adults 18 and over55.9 percent
- Rank by population among Alabama counties34th of 67
- Rank by population among US county-equivalents1360th
Chambers County is the 34th largest of 67 Alabama counties by population. A median home costs 2.7 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 20.9 percent against 20.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Chambers County
Is Chambers County growing
- Population change since the 2020 census base-2.53 percent
- Census 2020 base population34,692
- Births, 2024399
- Deaths, 2024528
- Natural change, 2024-129
- Net domestic migration, 2024-246
- Net international migration, 2024104
- Total net migration, 2024-142
- Cumulative net domestic migration, 2021 to 2024-513
- Rank by growth among US county-equivalents2641st
The county has lost 2.53 percent of its population since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Chambers County
Where people moving to Chambers County come from
- Tax returns filed by households arriving743
- People arriving, from those returns1,390
- Adjusted gross income arriving$52.3 m
- Net adjusted gross income movement$0
- Average income of an arriving household$70,455
- Largest single originChambers County Non-migrants (10,860 households)
- Largest single destination (10,860 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Chambers County Non-migrants | 10,860 | 21,659 | $611.4 m |
| Lee County | 234 | 450 | $11.4 m |
| Other flows - Different State | 210 | 364 | $10.2 m |
| Other flows - South | 188 | 322 | $8.9 m |
| Troup County | 141 | 290 | $5.7 m |
| Other flows - Same State | 122 | 216 | $8.0 m |
| Randolph County | 36 | 74 | $1.1 m |
| Other flows - West | 22 | 42 | $1.3 m |
The largest single source of arrivals is Chambers County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Chambers County
What the Chambers County economy runs on
- County GDP, 2024$1.24 bn
- County GDP, 2023$1.15 bn
- GDP change, 2023 to 20247.5 percent
- GDP change over five years34.1 percent
- Rank by GDP among Alabama counties38th
- Rank by GDP among US county-equivalents1678th
- GDP per resident$36,271
Output grew 7.5 percent in the latest year and 34.1 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Chambers County
Who employs people in Chambers County
- Covered employment, annual average9,087
- Establishments reporting779
- Average annual pay$52,152
- Average weekly wage$1,003
- Sector 31-33, employment2,718
- Sector 31-33, average annual pay$71,902
- Sector 44-45, employment1,088
- Sector 44-45, average annual pay$30,958
- Sector 56, employment445
- Sector 56, average annual pay$39,003
- Sector 23, employment246
- Sector 23, average annual pay$57,988
- Sector 54, employment206
- Sector 11, employment197
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 2,718 | 37 | $71,902 |
| Sector 44-45 | 1,088 | 120 | $30,958 |
| Sector 56 | 445 | 53 | $39,003 |
| Sector 23 | 246 | 67 | $57,988 |
| Sector 54 | 206 | 48 | $47,505 |
| Sector 11 | 197 | 24 | $56,610 |
| Sector 48-49 | 173 | 23 | $73,281 |
| Sector 52 | 120 | 35 | $51,887 |
The largest sector is the biggest private employer group at 2,718 jobs, 29.9 percent of covered employment. Average pay per job exceeds median household income, which usually means single earner households and a wage base that can carry rent.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Chambers County
What businesses operate in Chambers County
- Establishments, all industries572
- Employment at those establishments7,897
- Annual payroll$369.6 m
- Establishments per 1,000 residents16.7
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Chambers County
What is being built in Chambers County
- Housing units authorised by permit, 202438
- Declared construction value permitted$6.2 m
- Single family units authorised38
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$164,093
- Units authorised per 1,000 households2.8
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Chambers County
How much SBA lending happens in Chambers County
- 7(a) approvals recorded23
- 7(a) gross approval dollars$14.9 m
- Average 7(a) approval$649,787
- Median 7(a) approval$350,000
- 10th percentile approval$20,000
- 90th percentile approval$1,829,000
- Largest single approval$4,700,000
- Jobs reported supported, 7(a)411
- Jobs per approval17.9
- Distinct 7(a) lenders active18
- Distinct industries receiving approvals19
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer39.1 percent
- Loans on real estate terms9
- Loans on working capital terms, 120 months or shorter14
- Franchise loans4
- Franchise share of approvals17.4 percent
- Leading industry by approval countFlight Training (4)
- Most active lenderNortheast Bank (4)
- 504 approvals recorded6
- 504 gross approval dollars$5.6 m
- Average 504 approval$930,500
- Median 504 approval$597,000
- Distinct CDCs active2
- 504 jobs per approval22.0
- 504 jobs per million dollars approved23.6
- Most active CDCFlorida Business Development Corporation (5)
- 7(a) share of SBA approvals79.3 percent
- Combined SBA approval dollars$20.5 m
The average approval of $649,787 sits well above the median of $350,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. 39.1 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Chambers County
Do SBA loans in Chambers County get paid back
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Exempt from disclosure12
- Status: Cancelled7
- Status: Paid in full3
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 3 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Chambers County
Which parts of Chambers County get the lending
- Places in the county with recorded lending5
- LANETT, approvals11
- VALLEY, approvals9
- CUSSETA, approvals1
- WADLEY, approvals1
- OPELIKA, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| LANETT | 11 | $6,618,400 |
| VALLEY | 9 | $3,036,700 |
| CUSSETA | 1 | $4,700,000 |
| WADLEY | 1 | $440,000 |
| OPELIKA | 1 | $150,000 |
LANETT accounts for 11 approvals against 9 in VALLEY. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Chambers County
How big is Chambers County
- Land area597 sq mi
- Rank by land area among Alabama counties54th of 67
- Width, east to west27.3 mi
- Height, north to south26.2 mi
- Geographies sharing a boundary3
- Residents per square mile of land57
- Establishments per square mile0.96
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Chambers County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Chambers County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population34,192
- Households13,434
- Average household size2.55
- Median household income$49,656
- Median age41.3
Common questions
Chambers County questions, answered from the record.
How many people live in Chambers County, Alabama?
34,192, in 13,434 households, ranking 34th of 67 Alabama counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Chambers County growing?
The population has fallen 2.53 percent since the 2020 census base. In 2024 there were 399 births against 528 deaths, with net migration of -142. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Chambers County?
$49,656. The median owner-occupied home is valued at $135,800, which is 2.7 times income, and median gross rent is $871 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Chambers County?
572 establishments, employing 7,897 people with an annual payroll of $369.6 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Chambers County?
Average annual pay is $52,152, or $1,003 a week, across 9,087 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Chambers County?
23 7(a) approvals totalling $14.9 m since FY2020, across 18 lenders, with a median approval of $350,000, plus 6 504 approvals worth $5.6 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Chambers County?
38 housing units were authorised by permit in 2024, with a declared construction value of $6.2 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Chambers County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Chambers County come from?
The largest single origin is Chambers County Non-migrants, with 10,860 households. Arriving households report an average income of $70,455 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Chambers County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Chambers County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.