Chilton County, Alabama: commercial real estate data.
Chilton County, Alabama has a population of 45,992 across 693 square miles, up 5.0 percent since the 2020 census base. County output reached $1.66 bn in 2024, 806 establishments operate here, and the SBA record carries 15 7(a) approvals worth $12.8 m.
119 sourced county values · tier FULL · 11 sections
Chilton County
How many people live in Chilton County
- Population45,992
- Households17,875
- Average household size2.57
- Median household income$65,603
- Median age38.7
- Median gross rent$871 per month
- Median owner-occupied home value$161,300
- Home value to household income2.5 times
- Annual rent as a share of median income15.9 percent
- Adults 25 and over with a bachelor degree or higher16.5 percent
- Adults 25 and over with a graduate degree5.9 percent
- Adults 25 and over31,095
- Population under 1811,105
- Share under 1824.1 percent
- Population 65 and over7,802
- Share 65 and over17.0 percent
- Working age population, 18 to 6427,085
- Civilian labor force20,705
- Unemployment rate5.5 percent
- Labor force participation, adults 18 and over59.3 percent
- Rank by population among Alabama counties29th of 67
- Rank by population among US county-equivalents1084th
Chilton County is the 29th largest of 67 Alabama counties by population. A median home costs 2.5 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 24.1 percent against 17.0 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Chilton County
Is Chilton County growing
- Population change since the 2020 census base5.00 percent
- Census 2020 base population45,012
- Births, 2024556
- Deaths, 2024555
- Natural change, 20241
- Net domestic migration, 2024571
- Net international migration, 2024170
- Total net migration, 2024741
- Cumulative net domestic migration, 2021 to 20242,028
- Rank by growth among US county-equivalents531st
The county has grown 5.00 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Chilton County
Where people moving to Chilton County come from
- Tax returns filed by households arriving1,012
- People arriving, from those returns2,066
- Adjusted gross income arriving$47.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$47,252
- Largest single originChilton County Non-migrants (14,396 households)
- Largest single destination (14,396 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Chilton County Non-migrants | 14,396 | 31,606 | $913.1 m |
| Shelby County | 341 | 713 | $16.6 m |
| Other flows - Different State | 225 | 454 | $11.2 m |
| Other flows - South | 156 | 309 | $7.3 m |
| Other flows - Same State | 142 | 285 | $6.9 m |
| Jefferson County | 87 | 160 | $4.0 m |
| Autauga County | 78 | 183 | $3.2 m |
| Bibb County | 50 | 115 | $1.9 m |
The largest single source of arrivals is Chilton 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.
Chilton County
What the Chilton County economy runs on
- County GDP, 2024$1.66 bn
- County GDP, 2023$1.54 bn
- GDP change, 2023 to 20247.5 percent
- GDP change over five years44.3 percent
- Rank by GDP among Alabama counties33rd
- Rank by GDP among US county-equivalents1434th
- GDP per resident$35,985
Output grew 7.5 percent in the latest year and 44.3 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.
Chilton County
Who employs people in Chilton County
- Covered employment, annual average9,143
- Establishments reporting922
- Average annual pay$47,595
- Average weekly wage$915
- Sector 31-33, employment1,705
- Sector 31-33, average annual pay$62,198
- Sector 44-45, employment1,545
- Sector 44-45, average annual pay$34,771
- Sector 72, employment957
- Sector 72, average annual pay$20,448
- Sector 23, employment548
- Sector 23, average annual pay$69,392
- Sector 42, employment401
- Sector 81, employment303
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 1,705 | 52 | $62,198 |
| Sector 44-45 | 1,545 | 147 | $34,771 |
| Sector 72 | 957 | 66 | $20,448 |
| Sector 23 | 548 | 102 | $69,392 |
| Sector 42 | 401 | 37 | $62,272 |
| Sector 81 | 303 | 66 | $33,285 |
| Sector 52 | 225 | 55 | $63,513 |
| Sector 48-49 | 195 | 39 | $66,767 |
The largest sector is the biggest private employer group at 1,705 jobs, 18.6 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Chilton County
What businesses operate in Chilton County
- Establishments, all industries806
- Employment at those establishments7,784
- Annual payroll$339.7 m
- Establishments per 1,000 residents17.5
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.
Chilton County
What is being built in Chilton County
- Housing units authorised by permit, 202425
- Declared construction value permitted$5.5 m
- Single family units authorised25
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$218,896
- Units authorised per 1,000 households1.4
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Chilton County
How much SBA lending happens in Chilton County
- 7(a) approvals recorded15
- 7(a) gross approval dollars$12.8 m
- Average 7(a) approval$852,507
- Median 7(a) approval$300,000
- 10th percentile approval$100,000
- 90th percentile approval$2,750,000
- Largest single approval$2,888,000
- Jobs reported supported, 7(a)180
- Jobs per approval12.0
- Distinct 7(a) lenders active10
- Distinct industries receiving approvals11
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer33.3 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter10
- Franchise loans5
- Franchise share of approvals33.3 percent
- Leading industry by approval countLimited-Service Restaurants (4)
- Most active lenderNewtek Bank, National Association (3)
- 504 approvals recorded4
- 504 gross approval dollars$2.9 m
- Average 504 approval$713,000
- Median 504 approval$572,000
- Distinct CDCs active3
- 504 jobs per approval13.0
- 504 jobs per million dollars approved18.2
- Most active CDCSouthern Development Council (2)
- 7(a) share of SBA approvals78.9 percent
- Combined SBA approval dollars$15.6 m
The average approval of $852,507 sits well above the median of $300,000, 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. 33.3 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.
Chilton County
Do SBA loans in Chilton County get paid back
- Loans with a final outcome recorded1
- Paid in full0
- Charged off1
- Status: Exempt from disclosure13
- Status: Charged off1
- Status: Cancelled1
Too few loans have reached a final outcome to publish a charge off rate. only 1 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.
Chilton County
Which parts of Chilton County get the lending
- Places in the county with recorded lending5
- JEMISON, approvals6
- CLANTON, approvals5
- Verbena, approvals2
- MAPLESVILLE, approvals1
- CALERA, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| JEMISON | 6 | $4,372,300 |
| CLANTON | 5 | $6,482,800 |
| Verbena | 2 | $450,000 |
| MAPLESVILLE | 1 | $218,000 |
| CALERA | 1 | $1,264,500 |
JEMISON accounts for 6 approvals against 5 in CLANTON. 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.
Chilton County
How big is Chilton County
- Land area693 sq mi
- Rank by land area among Alabama counties31st of 67
- Width, east to west37.4 mi
- Height, north to south28.3 mi
- Geographies sharing a boundary7
- Residents per square mile of land66
- Establishments per square mile1.16
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 Chilton 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 Chilton County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population45,992
- Households17,875
- Average household size2.57
- Median household income$65,603
- Median age38.7
Common questions
Chilton County questions, answered from the record.
How many people live in Chilton County, Alabama?
45,992, in 17,875 households, ranking 29th of 67 Alabama counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Chilton County growing?
The population has grown 5.00 percent since the 2020 census base. In 2024 there were 556 births against 555 deaths, with net migration of 741. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Chilton County?
$65,603. The median owner-occupied home is valued at $161,300, which is 2.5 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 Chilton County?
806 establishments, employing 7,784 people with an annual payroll of $339.7 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 Chilton County?
Average annual pay is $47,595, or $915 a week, across 9,143 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Chilton County?
15 7(a) approvals totalling $12.8 m since FY2020, across 10 lenders, with a median approval of $300,000, plus 4 504 approvals worth $2.9 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Chilton County?
25 housing units were authorised by permit in 2024, with a declared construction value of $5.5 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Chilton County?
Zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Chilton County come from?
The largest single origin is Chilton County Non-migrants, with 14,396 households. Arriving households report an average income of $47,252 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 Chilton 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 Chilton 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.