St. Clair County, Alabama: commercial real estate data.
St. Clair County, Alabama has a population of 94,166 across 632 square miles, up 5.9 percent since the 2020 census base. County output reached $3.16 bn in 2024, 1,454 establishments operate here, and the SBA record carries 41 7(a) approvals worth $15.2 m.
121 sourced county values · tier FULL · 11 sections
St. Clair County
How many people live in St. Clair County
- Population94,166
- Households35,107
- Average household size2.68
- Median household income$77,463
- Median age41.2
- Median gross rent$1,084 per month
- Median owner-occupied home value$226,300
- Home value to household income2.9 times
- Annual rent as a share of median income16.8 percent
- Adults 25 and over with a bachelor degree or higher21.4 percent
- Adults 25 and over with a graduate degree7.0 percent
- Adults 25 and over66,307
- Population under 1820,940
- Share under 1822.2 percent
- Population 65 and over16,832
- Share 65 and over17.9 percent
- Working age population, 18 to 6456,394
- Civilian labor force44,753
- Unemployment rate4.6 percent
- Labor force participation, adults 18 and over61.1 percent
- Rank by population among Alabama counties16th of 67
- Rank by population among US county-equivalents652nd
St. Clair County is the 16th 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 22.2 percent against 17.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
St. Clair County
Is St. Clair County growing
- Population change since the 2020 census base5.94 percent
- Census 2020 base population91,494
- Births, 20241,018
- Deaths, 20241,144
- Natural change, 2024-126
- Net domestic migration, 20241,519
- Net international migration, 202443
- Total net migration, 20241,562
- Cumulative net domestic migration, 2021 to 20246,010
- Rank by growth among US county-equivalents419th
The county has grown 5.94 percent since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
St. Clair County
Where people moving to St. Clair County come from
- Tax returns filed by households arriving3,002
- People arriving, from those returns5,840
- Adjusted gross income arriving$202.2 m
- Net adjusted gross income movement$0
- Average income of an arriving household$67,358
- Largest single originSt. Clair County Non-migrants (30,813 households)
- Largest single destination (30,813 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| St. Clair County Non-migrants | 30,813 | 66,877 | $2.21 bn |
| Jefferson County | 1,191 | 2,357 | $87.6 m |
| Other flows - Different State | 733 | 1,453 | $51.8 m |
| Other flows - South | 474 | 945 | $33.8 m |
| Shelby County | 244 | 458 | $19.4 m |
| Other flows - Same State | 240 | 427 | $11.2 m |
| Talladega County | 194 | 373 | $9.1 m |
| Calhoun County | 119 | 205 | $7.4 m |
The largest single source of arrivals is St. Clair 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.
St. Clair County
What the St. Clair County economy runs on
- County GDP, 2024$3.16 bn
- County GDP, 2023$2.92 bn
- GDP change, 2023 to 20248.2 percent
- GDP change over five years47.3 percent
- Rank by GDP among Alabama counties20th
- Rank by GDP among US county-equivalents942nd
- GDP per resident$33,520
Output grew 8.2 percent in the latest year and 47.3 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.
St. Clair County
Who employs people in St. Clair County
- Covered employment, annual average21,980
- Establishments reporting1,943
- Average annual pay$51,425
- Average weekly wage$989
- Sector 31-33, employment4,000
- Sector 31-33, average annual pay$67,313
- Sector 44-45, employment3,775
- Sector 44-45, average annual pay$32,774
- Sector 72, employment2,341
- Sector 72, average annual pay$21,367
- Sector 62, employment2,198
- Sector 62, average annual pay$55,403
- Sector 23, employment1,697
- Sector 42, employment1,041
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 4,000 | 106 | $67,313 |
| Sector 44-45 | 3,775 | 276 | $32,774 |
| Sector 72 | 2,341 | 156 | $21,367 |
| Sector 62 | 2,198 | 208 | $55,403 |
| Sector 23 | 1,697 | 252 | $64,835 |
| Sector 42 | 1,041 | 117 | $71,291 |
| Sector 81 | 842 | 135 | $49,877 |
| Sector 56 | 778 | 110 | $47,257 |
The largest sector is the biggest private employer group at 4,000 jobs, 18.2 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.
St. Clair County
What businesses operate in St. Clair County
- Establishments, all industries1,454
- Employment at those establishments18,213
- Annual payroll$842.5 m
- Establishments per 1,000 residents15.4
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.
St. Clair County
What is being built in St. Clair County
- Housing units authorised by permit, 2024543
- Declared construction value permitted$132.2 m
- Single family units authorised543
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$243,548
- Units authorised per 1,000 households15.5
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
St. Clair County
How much SBA lending happens in St. Clair County
- 7(a) approvals recorded41
- 7(a) gross approval dollars$15.2 m
- Average 7(a) approval$370,332
- Median 7(a) approval$150,000
- 10th percentile approval$46,900
- 90th percentile approval$910,000
- Largest single approval$2,250,000
- Jobs reported supported, 7(a)659
- Jobs per approval16.1
- Distinct 7(a) lenders active27
- Distinct industries receiving approvals32
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer4.9 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter35
- Franchise loans4
- Franchise share of approvals9.8 percent
- Leading industry by approval countPlate Work Manufacturing (3)
- Most active lenderLive Oak Banking Company (3)
- 504 approvals recorded24
- 504 gross approval dollars$16.9 m
- Average 504 approval$704,625
- Median 504 approval$501,000
- Distinct CDCs active3
- 504 jobs per approval9.6
- 504 jobs per million dollars approved13.7
- Most active CDCBirmingham Citywide Local Development Company (16)
- 7(a) share of SBA approvals63.1 percent
- Combined SBA approval dollars$32.1 m
The average approval of $370,332 sits well above the median of $150,000, 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 4.9 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.
St. Clair County
Do SBA loans in St. Clair County get paid back
- Loans with a final outcome recorded8
- Paid in full5
- Charged off3
- Status: Charged off3
- Status: Paid in full5
- Status: Exempt from disclosure30
- Status: Cancelled3
Too few loans have reached a final outcome to publish a charge off rate. only 8 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.
St. Clair County
Which parts of St. Clair County get the lending
- Places in the county with recorded lending7
- ODENVILLE, approvals12
- Moody, approvals7
- Pell City, approvals6
- SPRINGVILLE, approvals5
- Ashville, approvals4
- LEEDS, approvals4
| Place | Approvals | Gross approval dollars |
|---|---|---|
| ODENVILLE | 12 | $3,067,600 |
| Moody | 7 | $2,573,500 |
| Pell City | 6 | $1,352,100 |
| SPRINGVILLE | 5 | $701,800 |
| Ashville | 4 | $2,907,600 |
| LEEDS | 4 | $2,910,000 |
| TRUSSVILLE | 3 | $1,671,000 |
ODENVILLE accounts for 12 approvals against 7 in Moody. 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.
St. Clair County
How big is St. Clair County
- Land area632 sq mi
- Rank by land area among Alabama counties42nd of 67
- Width, east to west30.7 mi
- Height, north to south41.3 mi
- Geographies sharing a boundary6
- Residents per square mile of land149
- Establishments per square mile2.30
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 St. Clair 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 St. Clair County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population94,166
- Households35,107
- Average household size2.68
- Median household income$77,463
- Median age41.2
Common questions
St. Clair County questions, answered from the record.
How many people live in St. Clair County, Alabama?
94,166, in 35,107 households, ranking 16th of 67 Alabama counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is St. Clair County growing?
The population has grown 5.94 percent since the 2020 census base. In 2024 there were 1,018 births against 1,144 deaths, with net migration of 1,562. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in St. Clair County?
$77,463. The median owner-occupied home is valued at $226,300, which is 2.9 times income, and median gross rent is $1,084 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in St. Clair County?
1,454 establishments, employing 18,213 people with an annual payroll of $842.5 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 St. Clair County?
Average annual pay is $51,425, or $989 a week, across 21,980 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in St. Clair County?
41 7(a) approvals totalling $15.2 m since FY2020, across 27 lenders, with a median approval of $150,000, plus 24 504 approvals worth $16.9 m. These are approvals recorded in the release, not loans disbursed.
What is being built in St. Clair County?
543 housing units were authorised by permit in 2024, with a declared construction value of $132.2 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for St. Clair 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 St. Clair County come from?
The largest single origin is St. Clair County Non-migrants, with 30,813 households. Arriving households report an average income of $67,358 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 St. Clair 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 St. Clair 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.