HomeAlabamaBaldwin CountyGulf Shores city
Gulf Shores city, Alabama: commercial real estate data.
Gulf Shores city is a Census city of 16,401 people across 28.69 square miles of land, in Baldwin County. Median household income is $78,188, 70.6 percent of occupied homes are owned, and the SBA record carries 29 7(a) approvals to borrowers here worth $16.3 m.
76 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Gulf Shores
What Gulf Shores is
- Census place typecity
- Land area28.69 sq mi
- Water area4.83 sq mi
- Population per square mile of land572
- County holding the largest share of its areaBaldwin County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gulf Shores
How many people live in Gulf Shores
- Population16,401
- Median age50.8
- Population under 182,850
- Share under 1817.4 percent
- Population 65 and over4,249
- Share 65 and over25.9 percent
- Households7,542
- Family households4,592
- Share of households that are families60.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gulf Shores
Income and work in Gulf Shores
- Median household income$78,188
- Per capita income$45,509
- Civilian labor force8,356
- Employed8,153
- Unemployed203 plus or minus 138
- Unemployment rate2.4 percent plus or minus 1.6
- Adults 25 and over12,581
- Adults 25 and over with a high school diploma or higher97.2 percent
- Adults 25 and over with a bachelor degree or higher39.9 percent
- Adults 25 and over with a graduate degree13.6 percent plus or minus 2.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gulf Shores
Housing in Gulf Shores
- Housing units15,263
- Occupied units7,542
- Vacant units7,721
- Vacancy rate50.6 percent
- Owner occupied5,326
- Renter occupied2,216
- Ownership rate70.6 percent
- Median owner-occupied home value$382,700
- Median gross rent, monthly$1,483
- Annual rent as a share of median income22.8 percent
- Single family units7,054
- Share single family46.2 percent
- Units in buildings of two or more8,072
- Share in buildings of two or more52.9 percent
- Mobile homes137 plus or minus 100
- Median year structure built2000
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gulf Shores
How Gulf Shores gets to work
- Workers 16 and over who commute6,436
- Commuting under 15 minutes2,537 plus or minus 565
- Share commuting under 15 minutes39.4 percent
- Commuting 30 minutes or more1,745 plus or minus 416
- Share commuting 30 minutes or more27.1 percent plus or minus 5.9
- Drove alone72.4 percent
- Carpooled5.1 percent plus or minus 2.7
- Public transport0.0 percent
- Walked0.4 percent plus or minus 0.5
- Worked from home19.8 percent plus or minus 4.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gulf Shores
SBA loans in Gulf Shores (7(a))
- Approvals29
- Gross approval$16,324,100
- Average approval$562,900
- Median approval$228,000
- Ninetieth percentile approval$2,365,000
- Largest approval$3,400,000
- Jobs supported356
- Jobs per approval12.3
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more17.2 percent
- Share to franchises10.3 percent
- Distinct lenders20
- Distinct industries by NAICS22
A charge-off rate is not published here. only 2 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Gulf Shores
SBA loans in Gulf Shores (504)
- Approvals13
- Gross approval$8,890,000
- Average approval$683,846
- Median approval$656,000
- Largest approval$1,638,000
- Jobs supported155
- Loans with a final outcome5
- Charged off0
- Median term240 months
- Distinct CDCs3
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Baldwin County, not Gulf Shores
Baldwin County context, not Gulf Shores figures
These are Baldwin County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Gulf Shores measurements.
- Establishments in Baldwin County6,409
- Employment at those establishments, Baldwin County72,022
- Covered employment, Baldwin County85,118
- Average annual pay, Baldwin County$51,157
- Average weekly wage, Baldwin County$984
- Housing units permitted, Baldwin County3,883
- Of those, single family, Baldwin County3,394
- County product, 2024, Baldwin County$13,446,245,000
- County product change over the prior year, Baldwin County5.7 percent
- Average income of an arriving household, Baldwin County$92,632
Every figure in this section is published for Baldwin County as a whole and is not a measurement of Gulf Shores. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
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.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Gulf Shores questions, answered from the record.
How many people live in Gulf Shores, Alabama?
16,401, in 7,542 households. Gulf Shores city covers 28.69 square miles of land, which is 572 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Gulf Shores in?
Baldwin County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Gulf Shores?
$78,188. The median owner-occupied home is valued at $382,700. Median gross rent is $1,483 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Gulf Shores businesses?
29 7(a) approvals totalling $16.3 m, across 20 lenders, median approval $228,000, plus 13 504 approvals worth $8.9 m. These count approvals to borrowers whose address is in Gulf Shores, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Gulf Shores borrowers get paid back?
No rate is published for Gulf Shores. only 2 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Gulf Shores figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Baldwin County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Gulf Shores.
Is zoning published for Gulf Shores?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.