Calhoun County, Alabama: commercial real estate data.
Calhoun County, Alabama had an estimated 116,427 residents on July 1, 2024, down 0.0 percent since the 2020 census base of 116,437, across 606 square miles. County output reached $6.29 bn in 2024, 2,232 establishments operate here, and the SBA record carries 40 7(a) approvals worth $28.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Calhoun County
How many people live in Calhoun County
- Population, American Community Survey 2020-2024116,090
- Households45,015
- Average household size2.58
- Median household income$55,029
- Median age39.3
- Median gross rent$826 per month
- Median owner-occupied home value$156,600
- Home value to household income2.8 times
- Annual rent as a share of median income18.0 percent
- Adults 25 and over with a bachelor degree or higher20.6 percent
- Adults 25 and over with a graduate degree8.1 percent
- Adults 25 and over78,486
- Population under 1824,893
- Share under 1821.4 percent
- Population 65 and over21,156
- Share 65 and over18.2 percent
- Working age population, 18 to 6470,041
- Civilian labor force52,623
- Unemployment rate6.0 percent
- Labor force participation, adults 18 and over57.7 percent
- Rank by population among Alabama counties10th of 67
- Rank by population among US county-equivalents, Puerto Rico included546th of 3,222
Calhoun County is the 10th largest of 67 Alabama counties by population. A median home costs 2.8 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 21.4 percent against 18.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Calhoun County
Is Calhoun County's population growing?
- Population, July 1, 2024116,427
- Census 2020 base population116,437
- Population change since the 2020 census base-0.01 percent
- Population change, 2023 to 202424
- Births, 20241,334
- Deaths, 20241,659
- Natural change, 2024-325
- Net domestic migration, 2024258
- Net international migration, 202492
- Total net migration, 2024350
- Cumulative net domestic migration, 2021 to 20241,715
- Rank by growth among US county-equivalents1825th of 3,144
The county has lost 0.01 percent of its population since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration 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.
Calhoun County
Where are people moving to Calhoun County from?
- Tax returns filed by households arriving2,476
- People arriving, from those returns4,696
- Tax returns filed by households leaving2,280
- Net household movement196
- Adjusted gross income arriving$121.1 m
- Net adjusted gross income movement$15.6 m
- Average income of an arriving household$48,900
- Average income of a leaving household$46,268
- Largest single originTalladega County (408 households)
- Largest single destinationTalladega County (378 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Talladega County | 408 | 828 | $17.5 m |
| Etowah County | 207 | 402 | $7.8 m |
| Jefferson County | 116 | 203 | $5.1 m |
| St. Clair County | 109 | 190 | $4.5 m |
| Cleburne County | 81 | 165 | $3.2 m |
| Cherokee County | 58 | 118 | $2.1 m |
| Clay County | 51 | 89 | $1.5 m |
| Shelby County | 48 | 80 | $2.8 m |
Households arriving report $2,632 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Talladega County, 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.
Calhoun County
What is the Calhoun County economy?
- County GDP, 2024$6.29 bn
- County GDP, 2023$6.02 bn
- GDP change, 2023 to 20244.4 percent
- GDP change over five years32.8 percent
- Rank by GDP among the Alabama areas BEA publishes12th of 67
- Rank by GDP among the US county areas BEA publishes624th of 3,127
- GDP per resident$54,161
Output grew 4.4 percent in the latest year and 32.8 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.
Calhoun County
Employment by industry in Calhoun County
- Covered employment, annual average43,778
- Establishments reporting2,828
- Average annual pay$51,354
- Average weekly wage$988
- Manufacturing, employment6,654
- Manufacturing, average annual pay$70,682
- Retail trade, employment5,975
- Retail trade, average annual pay$33,084
- Accommodation and food services, employment4,841
- Accommodation and food services, average annual pay$20,792
- Health care and social assistance, employment3,930
- Health care and social assistance, average annual pay$50,361
- Administrative and support and waste management services, employment2,217
- Wholesale trade, employment1,645
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 6,654 | 142 | $70,682 |
| Retail trade | 5,975 | 460 | $33,084 |
| Accommodation and food services | 4,841 | 259 | $20,792 |
| Health care and social assistance | 3,930 | 449 | $50,361 |
| Administrative and support and waste management services | 2,217 | 158 | $40,364 |
| Wholesale trade | 1,645 | 136 | $65,110 |
| Construction | 1,142 | 193 | $69,642 |
| Transportation and warehousing | 1,077 | 78 | $50,186 |
Manufacturing is the largest private sector at 6,654 jobs, 15.2 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Calhoun County
How many businesses are in Calhoun County?
- Establishments, all industries2,232
- Employment at those establishments34,577
- Annual payroll$1.46 bn
- Establishments per 1,000 residents19.2
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Calhoun County
Building permits in Calhoun County
- Housing units authorized by permit, 2024138
- Declared construction value permitted$19.3 m
- Single family units authorized126
- Multifamily units authorized12
- Multifamily share of units8.7 percent
- Average declared value per unit$140,137
- Units authorized per 1,000 households3.1
Single-family homes are 91.3 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Calhoun County
SBA loans in Calhoun County (7(a) and 504)
- 7(a) approvals recorded40
- 7(a) gross approval dollars$28.2 m
- Average 7(a) approval$704,505
- Median 7(a) approval$332,500
- 10th percentile approval$47,500
- 90th percentile approval$1,981,880
- Largest single approval$4,240,000
- Jobs reported supported, 7(a)326
- Jobs per approval8.2
- Distinct 7(a) lenders active28
- Distinct industries receiving approvals29
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer25.0 percent
- Loans on real estate terms10
- Loans on working capital terms, 120 months or shorter27
- Franchise loans9
- Franchise share of approvals22.5 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (5)
- Most active lenderNewtek Bank, National Association (5)
- 504 approvals recorded27
- 504 gross approval dollars$14.5 m
- Average 504 approval$536,222
- Median 504 approval$286,000
- Distinct CDCs active4
- 504 jobs per approval6.9
- 504 jobs per million dollars approved12.8
- Most active CDCFlorida Business Development Corporation (12)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$42.7 m
The average approval of $704,505 sits well above the median of $332,500, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 25.0 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.
Calhoun County
SBA loan default and charge-off rates in Calhoun County
Do SBA loans in Calhoun County get paid back?
- Loans with a final outcome recorded5
- Paid in full5
- Charged off0
- Status: Exempt from disclosure25
- Status: Paid in full5
- Status: Cancelled7
- Status: Committed, not yet disbursed3
Only 5 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Calhoun County
SBA lending by place in Calhoun County
- Borrower cities with recorded lending7
- Anniston, approvals14
- Jacksonville, approvals12
- Oxford, approvals8
- Alexandria, approvals2
- Eastaboga, approvals2
- Piedmont, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Anniston | 14 | $11,152,200 |
| Jacksonville | 12 | $6,288,000 |
| Oxford | 8 | $7,799,200 |
| Alexandria | 2 | $1,127,200 |
| Eastaboga | 2 | $963,600 |
| Piedmont | 1 | $500,000 |
| Wellington | 1 | $350,000 |
Anniston accounts for 14 approvals against 12 in Jacksonville. 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.
Calhoun County
How large is Calhoun County?
- Land area606 sq mi
- Rank by land area among Alabama counties51st of 67
- Width, east to west35.4 mi
- Height, north to south28.5 mi
- Geographies sharing a boundary5
- Residents per square mile of land192
- Establishments per square mile3.68
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.
Calhoun County
Flood risk in Calhoun County
- Participation of the county's own NFIP community Calhoun County, unincorporated areasParticipating, community 010013
- Communities in the county in the NFIP Community Status Book8
- Of those, participating in the NFIP8
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Calhoun County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The county's own community in the status book, unincorporated Calhoun County (community 010013), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Calhoun County in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, 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 →
Feasibility studies
When a Calhoun 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 Calhoun County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024116,090
- Households45,015
- Average household size2.58
- Median household income$55,029
- Median age39.3
Common questions
Calhoun County questions, answered from the record.
How many people live in Calhoun County, Alabama?
The Census Bureau estimates 116,427 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 116,090, in 45,015 households, ranking 10th of 67 Alabama counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Calhoun County's population growing?
The population has fallen 0.01 percent since the 2020 census base of 116,437, to 116,427 on July 1, 2024. In 2024 there were 1,334 births against 1,659 deaths, with net migration of 350. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Calhoun County?
$55,029. The median owner-occupied home is valued at $156,600, which is 2.8 times income, and median gross rent is $826 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Calhoun County?
2,232 establishments, employing 34,577 people with an annual payroll of $1.46 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Calhoun County?
Manufacturing is the largest private sector at 6,654 jobs, 15.2 percent of covered employment. Covered employment averages 43,778 jobs at an average annual pay of $51,354, or $988 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Calhoun County?
40 7(a) approvals totaling $28.2 m since FY2020, across 28 lenders, with a median approval of $332,500, plus 27 504 approvals worth $14.5 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Calhoun County?
138 housing units were authorized by permit in 2024, with a declared construction value of $19.3 m. Multifamily was 8.7 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Calhoun County?
Zone 1, a predicted average indoor radon screening level greater than 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 Calhoun County come from?
The largest single origin is Talladega County, with 408 households. Arriving households report an average income of $48,900 against $46,268 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Calhoun 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 Calhoun County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Calhoun County
Cities and places in Calhoun.
14 Census places lie wholly or partly in Calhoun County. All 14 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Oxford | city | 22,063 | 8 | 79.5 percent here, 20.5 percent Talladega County |
| Anniston | city | 21,271 | 14 | Wholly in this county |
| Jacksonville | city | 14,437 | 12 | Wholly in this county |
| Saks | CDP | 10,681 | None recorded | Wholly in this county |
| Southside | city | 9,483 | None recorded | 3.1 percent here, 96.9 percent Etowah County |
| Piedmont | city | 4,740 | 1 | Wholly in this county |
| Alexandria | CDP | 3,475 | 2 | Wholly in this county |
| West End-Cobb Town | CDP | 3,453 | None recorded | Wholly in this county |
| Weaver | city | 3,324 | None recorded | Wholly in this county |
| Choccolocco | CDP | 2,620 | None recorded | Wholly in this county |
| Ohatchee | town | 1,148 | None recorded | Wholly in this county |
| Hobson City | town | 1,142 | None recorded | Wholly in this county |
| White Plains | CDP | 919 | None recorded | Wholly in this county |
| Nances Creek | CDP | 330 | None recorded | Wholly in this county |
A further 3 of the county's 40 SBA 7(a) approvals are to borrowers in cities that match no Census place in Calhoun County, the largest being Eastaboga (2), Wellington (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby