Elmore County, Alabama: commercial real estate data.
Elmore County, Alabama has a population of 89,526 across 618 square miles, up 3.5 percent since the 2020 census base. County output reached $3.12 bn in 2024, 1,305 establishments operate here, and the SBA record carries 24 7(a) approvals worth $14.1 m.
121 sourced county values · tier FULL · 11 sections
Elmore County
How many people live in Elmore County
- Population89,526
- Households32,856
- Average household size2.72
- Median household income$78,243
- Median age39.5
- Median gross rent$1,071 per month
- Median owner-occupied home value$223,900
- Home value to household income2.9 times
- Annual rent as a share of median income16.4 percent
- Adults 25 and over with a bachelor degree or higher25.4 percent
- Adults 25 and over with a graduate degree8.9 percent
- Adults 25 and over62,596
- Population under 1819,313
- Share under 1821.6 percent
- Population 65 and over14,803
- Share 65 and over16.5 percent
- Working age population, 18 to 6455,410
- Civilian labor force42,836
- Unemployment rate4.6 percent
- Labor force participation, adults 18 and over61.0 percent
- Rank by population among Alabama counties18th of 67
- Rank by population among US county-equivalents672nd
Elmore County is the 18th largest of 67 Alabama counties by population. A median home costs 2.9 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 21.6 percent against 16.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Elmore County
Is Elmore County growing
- Population change since the 2020 census base3.48 percent
- Census 2020 base population87,980
- Births, 2024923
- Deaths, 2024861
- Natural change, 202462
- Net domestic migration, 2024506
- Net international migration, 202455
- Total net migration, 2024561
- Cumulative net domestic migration, 2021 to 20243,244
- Rank by growth among US county-equivalents780th
The county has grown 3.48 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.
Elmore County
Where people moving to Elmore County come from
- Tax returns filed by households arriving2,611
- People arriving, from those returns5,070
- Adjusted gross income arriving$181.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$69,624
- Largest single originElmore County Non-migrants (29,507 households)
- Largest single destination (29,507 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Elmore County Non-migrants | 29,507 | 61,715 | $2.21 bn |
| Montgomery County | 751 | 1,488 | $32.6 m |
| Other flows - Different State | 694 | 1,420 | $70.4 m |
| Autauga County | 463 | 909 | $25.8 m |
| Other flows - South | 438 | 892 | $50.6 m |
| Other flows - Same State | 243 | 417 | $11.1 m |
| Other flows - West | 122 | 253 | $10.3 m |
| Tallapoosa County | 111 | 241 | $5.6 m |
The largest single source of arrivals is Elmore 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.
Elmore County
What the Elmore County economy runs on
- County GDP, 2024$3.12 bn
- County GDP, 2023$2.84 bn
- GDP change, 2023 to 20249.9 percent
- GDP change over five years47.6 percent
- Rank by GDP among Alabama counties21st
- Rank by GDP among US county-equivalents948th
- GDP per resident$34,831
Output grew 9.9 percent in the latest year and 47.6 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.
Elmore County
Who employs people in Elmore County
- Covered employment, annual average21,539
- Establishments reporting1,787
- Average annual pay$48,014
- Average weekly wage$923
- Sector 44-45, employment3,947
- Sector 44-45, average annual pay$32,824
- Sector 72, employment3,286
- Sector 72, average annual pay$21,805
- Sector 62, employment2,373
- Sector 62, average annual pay$40,800
- Sector 31-33, employment2,264
- Sector 31-33, average annual pay$70,811
- Sector 54, employment1,027
- Sector 23, employment1,022
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 3,947 | 260 | $32,824 |
| Sector 72 | 3,286 | 169 | $21,805 |
| Sector 62 | 2,373 | 178 | $40,800 |
| Sector 31-33 | 2,264 | 74 | $70,811 |
| Sector 54 | 1,027 | 170 | $91,413 |
| Sector 23 | 1,022 | 200 | $65,111 |
| Sector 52 | 540 | 126 | $67,860 |
| Sector 81 | 497 | 109 | $41,764 |
The largest sector is the biggest private employer group at 3,947 jobs, 18.3 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.
Elmore County
What businesses operate in Elmore County
- Establishments, all industries1,305
- Employment at those establishments15,513
- Annual payroll$632.4 m
- Establishments per 1,000 residents14.6
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.
Elmore County
What is being built in Elmore County
- Housing units authorised by permit, 2024107
- Declared construction value permitted$26.1 m
- Single family units authorised107
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$243,623
- Units authorised per 1,000 households3.3
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Elmore County
How much SBA lending happens in Elmore County
- 7(a) approvals recorded24
- 7(a) gross approval dollars$14.1 m
- Average 7(a) approval$585,446
- Median 7(a) approval$200,000
- 10th percentile approval$20,000
- 90th percentile approval$1,560,700
- Largest single approval$4,800,000
- Jobs reported supported, 7(a)192
- Jobs per approval8.0
- Distinct 7(a) lenders active12
- Distinct industries receiving approvals18
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer12.5 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter19
- Franchise loans4
- Franchise share of approvals16.7 percent
- Leading industry by approval countFabricated Structural Metal Manufacturing (3)
- Most active lenderNewtek Bank, National Association (4)
- 504 approvals recorded13
- 504 gross approval dollars$6.0 m
- Average 504 approval$458,077
- Median 504 approval$401,000
- Distinct CDCs active4
- 504 jobs per approval4.1
- 504 jobs per million dollars approved8.9
- Most active CDCSouthern Development Council (6)
- 7(a) share of SBA approvals64.9 percent
- Combined SBA approval dollars$20.0 m
The average approval of $585,446 sits well above the median of $200,000, 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. Only 12.5 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
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.
Elmore County
Do SBA loans in Elmore County get paid back
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Exempt from disclosure16
- Status: Paid in full2
- Status: Cancelled5
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 2 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.
Elmore County
Which parts of Elmore County get the lending
- Places in the county with recorded lending7
- Wetumpka, approvals9
- ECLECTIC, approvals4
- MILLBROOK, approvals3
- ELMORE, approvals3
- TALLASSEE, approvals2
- MARBURY, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Wetumpka | 9 | $6,150,000 |
| ECLECTIC | 4 | $1,928,700 |
| MILLBROOK | 3 | $375,000 |
| ELMORE | 3 | $4,510,000 |
| TALLASSEE | 2 | $667,000 |
| MARBURY | 2 | $270,000 |
| Deatsville | 1 | $150,000 |
Wetumpka accounts for 9 approvals against 4 in ECLECTIC. 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.
Elmore County
How big is Elmore County
- Land area618 sq mi
- Rank by land area among Alabama counties46th of 67
- Width, east to west31.1 mi
- Height, north to south24.7 mi
- Geographies sharing a boundary6
- Residents per square mile of land145
- Establishments per square mile2.11
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 Elmore 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 Elmore County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population89,526
- Households32,856
- Average household size2.72
- Median household income$78,243
- Median age39.5
Common questions
Elmore County questions, answered from the record.
How many people live in Elmore County, Alabama?
89,526, in 32,856 households, ranking 18th of 67 Alabama counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Elmore County growing?
The population has grown 3.48 percent since the 2020 census base. In 2024 there were 923 births against 861 deaths, with net migration of 561. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Elmore County?
$78,243. The median owner-occupied home is valued at $223,900, which is 2.9 times income, and median gross rent is $1,071 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Elmore County?
1,305 establishments, employing 15,513 people with an annual payroll of $632.4 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 Elmore County?
Average annual pay is $48,014, or $923 a week, across 21,539 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Elmore County?
24 7(a) approvals totalling $14.1 m since FY2020, across 12 lenders, with a median approval of $200,000, plus 13 504 approvals worth $6.0 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Elmore County?
107 housing units were authorised by permit in 2024, with a declared construction value of $26.1 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Elmore 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 Elmore County come from?
The largest single origin is Elmore County Non-migrants, with 29,507 households. Arriving households report an average income of $69,624 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 Elmore 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 Elmore 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.