Chambers County, Alabama: commercial real estate data.
Chambers County, Alabama had an estimated 33,813 residents on July 1, 2024, down 2.5 percent since the 2020 census base of 34,692, across 597 square miles. County output reached $1.24 bn in 2024, 572 establishments operate here, and the SBA record carries 23 7(a) approvals worth $14.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Chambers County
How many people live in Chambers County
- Population, American Community Survey 2020-202434,192
- Households13,434
- Average household size2.55
- Median household income$49,656
- Median age41.3
- Median gross rent$871 per month
- Median owner-occupied home value$135,800
- Home value to household income2.7 times
- Annual rent as a share of median income21.0 percent
- Adults 25 and over with a bachelor degree or higher14.9 percent
- Adults 25 and over with a graduate degree4.9 percent
- Adults 25 and over24,289
- Population under 187,149
- Share under 1820.9 percent
- Population 65 and over6,939
- Share 65 and over20.3 percent
- Working age population, 18 to 6420,104
- Civilian labor force15,118
- Unemployment rate5.1 percent
- Labor force participation, adults 18 and over55.9 percent
- Rank by population among Alabama counties34th of 67
- Rank by population among US county-equivalents, Puerto Rico included1360th of 3,222
Chambers County is the 34th largest of 67 Alabama counties by population. A median home costs 2.7 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 20.9 percent against 20.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Chambers County
Is Chambers County's population growing?
- Population, July 1, 202433,813
- Census 2020 base population34,692
- Population change since the 2020 census base-2.53 percent
- Population change, 2023 to 2024-274
- Births, 2024399
- Deaths, 2024528
- Natural change, 2024-129
- Net domestic migration, 2024-246
- Net international migration, 2024104
- Total net migration, 2024-142
- Cumulative net domestic migration, 2021 to 2024-513
- Rank by growth among US county-equivalents2641st of 3,144
The county has lost 2.53 percent of its population since the 2020 census base. The population fell in 2024 from both sources: deaths exceeded births and more people left than moved in.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Chambers County
Where are people moving to Chambers County from?
- Tax returns filed by households arriving743
- People arriving, from those returns1,390
- Tax returns filed by households leaving816
- Net household movement-73
- Adjusted gross income arriving$52.3 m
- Net adjusted gross income movement$17.1 m
- Average income of an arriving household$70,455
- Average income of a leaving household$43,180
- Largest single originLee County (234 households)
- Largest single destinationLee County (296 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Lee County | 234 | 450 | $11.4 m |
| Troup County | 141 | 290 | $5.7 m |
| Randolph County | 36 | 74 | $1.1 m |
Households arriving report $27,275 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 Lee 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.
Chambers County
What is the Chambers County economy?
- County GDP, 2024$1.24 bn
- County GDP, 2023$1.15 bn
- GDP change, 2023 to 20247.5 percent
- GDP change over five years34.1 percent
- Rank by GDP among the Alabama areas BEA publishes38th of 67
- Rank by GDP among the US county areas BEA publishes1678th of 3,127
- GDP per resident$36,271
Output grew 7.5 percent in the latest year and 34.1 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.
Chambers County
Employment by industry in Chambers County
- Covered employment, annual average9,087
- Establishments reporting779
- Average annual pay$52,152
- Average weekly wage$1,003
- Manufacturing, employment2,718
- Manufacturing, average annual pay$71,902
- Retail trade, employment1,088
- Retail trade, average annual pay$30,958
- Administrative and support and waste management services, employment445
- Administrative and support and waste management services, average annual pay$39,003
- Construction, employment246
- Construction, average annual pay$57,988
- Professional, scientific and technical services, employment206
- Agriculture, forestry, fishing and hunting, employment197
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 2,718 | 37 | $71,902 |
| Retail trade | 1,088 | 120 | $30,958 |
| Administrative and support and waste management services | 445 | 53 | $39,003 |
| Construction | 246 | 67 | $57,988 |
| Professional, scientific and technical services | 206 | 48 | $47,505 |
| Agriculture, forestry, fishing and hunting | 197 | 24 | $56,610 |
| Transportation and warehousing | 173 | 23 | $73,281 |
| Finance and insurance | 120 | 35 | $51,887 |
Manufacturing is the largest private sector at 2,718 jobs, 29.9 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Chambers County
How many businesses are in Chambers County?
- Establishments, all industries572
- Employment at those establishments7,897
- Annual payroll$369.6 m
- Establishments per 1,000 residents16.7
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.
Chambers County
Building permits in Chambers County
- Housing units authorized by permit, 202438
- Declared construction value permitted$6.2 m
- Single family units authorized38
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$164,093
- Units authorized per 1,000 households2.8
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Chambers County
SBA loans in Chambers County (7(a) and 504)
- 7(a) approvals recorded23
- 7(a) gross approval dollars$14.9 m
- Average 7(a) approval$649,787
- Median 7(a) approval$350,000
- 10th percentile approval$26,000
- 90th percentile approval$1,694,800
- Largest single approval$4,700,000
- Jobs reported supported, 7(a)411
- Jobs per approval17.9
- Distinct 7(a) lenders active18
- Distinct industries receiving approvals19
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer39.1 percent
- Loans on real estate terms9
- Loans on working capital terms, 120 months or shorter14
- Franchise loans4
- Franchise share of approvals17.4 percent
- Leading industry by approval countFlight Training (4)
- Most active lenderNortheast Bank (4)
- 504 approvals recorded6
- 504 gross approval dollars$5.6 m
- Average 504 approval$930,500
- Median 504 approval$427,000
- Distinct CDCs active2
- 504 jobs per approval22.0
- 504 jobs per million dollars approved23.6
- Most active CDCFlorida Business Development Corporation (5)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$20.5 m
The average approval of $649,787 sits well above the median of $350,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. 39.1 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
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.
Chambers County
SBA loan default and charge-off rates in Chambers County
Do SBA loans in Chambers County get paid back?
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Exempt from disclosure12
- Status: Cancelled7
- Status: Paid in full3
- Status: Committed, not yet disbursed1
Only 3 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.
Chambers County
SBA lending by place in Chambers County
- Borrower cities with recorded lending5
- Lanett, approvals11
- Valley, approvals9
- Cusseta, approvals1
- Wadley, approvals1
- Opelika, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Lanett | 11 | $6,618,400 |
| Valley | 9 | $3,036,700 |
| Cusseta | 1 | $4,700,000 |
| Wadley | 1 | $440,000 |
| Opelika | 1 | $150,000 |
Lanett accounts for 11 approvals against 9 in Valley. 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.
Chambers County
How large is Chambers County?
- Land area597 sq mi
- Rank by land area among Alabama counties54th of 67
- Width, east to west27.3 mi
- Height, north to south26.2 mi
- Geographies sharing a boundary5
- Residents per square mile of land57
- Establishments per square mile0.96
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.
Chambers County
Flood risk in Chambers County
- Participation of the county's own NFIP community Chambers County, unincorporated areasParticipating, community 010026
- Communities in the county in the NFIP Community Status Book5
- Of those, participating in the NFIP4
- NFIP participation rate80.0 percent
- Communities carrying a CRS class0
- Radon levels in Chambers County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The county's own community in the status book, unincorporated Chambers County (community 010026), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Chambers County in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 80.0 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 Chambers 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 Chambers County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202434,192
- Households13,434
- Average household size2.55
- Median household income$49,656
- Median age41.3
Common questions
Chambers County questions, answered from the record.
How many people live in Chambers County, Alabama?
The Census Bureau estimates 33,813 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 34,192, in 13,434 households, ranking 34th of 67 Alabama counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Chambers County's population growing?
The population has fallen 2.53 percent since the 2020 census base of 34,692, to 33,813 on July 1, 2024. In 2024 there were 399 births against 528 deaths, with net migration of -142. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Chambers County?
$49,656. The median owner-occupied home is valued at $135,800, which is 2.7 times income, and median gross rent is $871 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Chambers County?
572 establishments, employing 7,897 people with an annual payroll of $369.6 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Chambers County?
Manufacturing is the largest private sector at 2,718 jobs, 29.9 percent of covered employment. Covered employment averages 9,087 jobs at an average annual pay of $52,152, or $1,003 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Chambers County?
23 7(a) approvals totaling $14.9 m since FY2020, across 18 lenders, with a median approval of $350,000, plus 6 504 approvals worth $5.6 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Chambers County?
38 housing units were authorized by permit in 2024, with a declared construction value of $6.2 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Chambers County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Chambers County come from?
The largest single origin is Lee County, with 234 households. Arriving households report an average income of $70,455 against $43,180 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Chambers 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 Chambers 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.
Chambers County
Cities and places in Chambers.
11 Census places lie wholly or partly in Chambers County. All 11 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 |
|---|---|---|---|---|
| Valley | city | 10,277 | 9 | Wholly in this county |
| Lanett | city | 6,814 | 11 | Wholly in this county |
| La Fayette | city | 2,633 | None recorded | Wholly in this county |
| Huguley | CDP | 2,577 | None recorded | Wholly in this county |
| Fredonia | CDP | 329 | None recorded | Wholly in this county |
| Waverly | town | 315 | None recorded | 61.3 percent here, 37.0 percent Lee County |
| Abanda | CDP | 257 | None recorded | Wholly in this county |
| Cusseta | town | 148 | 1 | Wholly in this county |
| Five Points | town | 139 | None recorded | Wholly in this county |
| Penton | CDP | 93 | None recorded | Wholly in this county |
| Standing Rock | CDP | 56 | None recorded | Wholly in this county |
A further 2 of the county's 23 SBA 7(a) approvals are to borrowers in cities that match no Census place in Chambers County, the largest being Wadley (1), Opelika (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