HomeAlabamaBaldwin CountySpanish Fort
Spanish Fort, Alabama: commercial real estate data.
Spanish Fort is a Census city of 10,662 people across 31.55 square miles of land, in Baldwin County. Median household income is $99,346, 65.8 percent of occupied homes are owned, and the SBA record carries 18 7(a) approvals to borrowers here worth $13.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Spanish Fort
What Spanish Fort is
- Census place typecity
- Land area31.55 sq mi
- Water area4.71 sq mi
- Population per square mile of land338
- 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.
Spanish Fort
How many people live in Spanish Fort
- Population10,662
- Median age40.9
- Population under 182,778 plus or minus 598
- Share under 1826.1 percent plus or minus 5.6
- Population 65 and over2,179 plus or minus 441
- Share 65 and over20.4 percent plus or minus 4.1
- Households4,183
- Family households2,761
- Share of households that are families66.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spanish Fort
Income and work in Spanish Fort
- Median household income$99,346
- Per capita income$48,630
- Civilian labor force4,929
- Employed4,714
- Unemployed215 plus or minus 237
- Unemployment rate4.4 percent plus or minus 4.8
- Adults 25 and over7,124
- Adults 25 and over with a high school diploma or higher96.2 percent
- Adults 25 and over with a bachelor degree or higher49.1 percent
- Adults 25 and over with a graduate degree22.2 percent plus or minus 6.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spanish Fort
Housing in Spanish Fort
- Housing units4,719
- Occupied units4,183
- Vacant units536 plus or minus 308
- Vacancy rate11.4 percent plus or minus 6.4
- Owner occupied2,751
- Renter occupied1,432 plus or minus 376
- Ownership rate65.8 percent
- Median owner-occupied home value$343,900
- Median gross rent, monthly$1,390
- Annual rent as a share of median income16.8 percent plus or minus 3.5
- Single family units3,234
- Share single family68.5 percent
- Units in buildings of two or more1,436 plus or minus 464
- Share in buildings of two or more30.4 percent plus or minus 9.4
- Mobile homes49 plus or minus 44
- Median year structure built1999
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spanish Fort
How Spanish Fort gets to work
- Workers 16 and over who commute4,188
- Commuting under 15 minutes425 plus or minus 231
- Share commuting under 15 minutes10.1 percent plus or minus 5.4
- Commuting 30 minutes or more1,688 plus or minus 434
- Share commuting 30 minutes or more40.3 percent plus or minus 9.1
- Drove alone83.5 percent
- Carpooled4.4 percent plus or minus 2.9
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home11.6 percent plus or minus 5.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Spanish Fort
SBA loans in Spanish Fort (7(a))
- Approvals18
- Gross approval$13,122,400
- Average approval$729,022
- Median approval$462,100
- Largest approval$5,000,000
- Jobs supported161
- Jobs per approval8.9
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more5.6 percent
- Share to franchises16.7 percent
- Distinct lenders13
- Distinct industries by NAICS15
Counted by borrower city: approvals to borrowers whose address is in Spanish Fort, in any county, FY2020 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Spanish Fort
SBA loans in Spanish Fort (504)
- Approvals4
- Gross approval$2,660,000
- Average approval$665,000
- Median approval$702,500
- Largest approval$886,000
- Jobs supported56
- Loans with a final outcome0
- Charged off0
- Median term270 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Spanish Fort, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Spanish Fort
Flood risk in Spanish Fort
- NFIP communityCity of Spanish Fort
- NFIP community number010429
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date04/19/19
The City of Spanish Fort participates in the National Flood Insurance Program as community 010429 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Baldwin County, not Spanish Fort
Baldwin County context, not Spanish Fort figures
- Establishments in Baldwin County6,409
- Covered employment, Baldwin County85,118
- Average annual pay, Baldwin County$51,157
- Housing units permitted, Baldwin County3,883
Every figure in this section is published for Baldwin County as a whole and is not a measurement of Spanish Fort.
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Spanish Fort questions, answered from the record.
How many people live in Spanish Fort, Alabama?
10,662, in 4,183 households. Spanish Fort city covers 31.55 square miles of land, which is 338 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Spanish Fort 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 Spanish Fort?
$99,346. The median owner-occupied home is valued at $343,900. Median gross rent is $1,390 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Spanish Fort businesses?
18 7(a) approvals totaling $13.1 m since FY2020, across 13 lenders, median approval $462,100, plus 4 504 approvals worth $2.7 m since FY2010. These count approvals to borrowers whose address is in Spanish Fort, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Spanish Fort borrowers get paid back?
No rate is published for Spanish Fort. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Spanish Fort in the National Flood Insurance Program?
Yes. Spanish Fort appears in the FEMA Community Status Book as Spanish Fort, city of, community 010429, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Spanish Fort figures?
No, and they are labeled 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 Spanish Fort.
Is zoning published for Spanish Fort?
No. Nothing on this page presents parcel level zoning.