Cleburne County, Alabama: commercial real estate data.
Cleburne County, Alabama had an estimated 15,905 residents on July 1, 2024, up 5.6 percent since the 2020 census base of 15,055, across 560 square miles. County output reached $463.6 m in 2024, 186 establishments operate here, and the SBA record carries 10 7(a) approvals worth $12.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cleburne County
How many people live in Cleburne County
- Population, American Community Survey 2020-202415,426
- Households5,980
- Average household size2.58
- Median household income$55,345
- Median age42.7
- Median gross rent$798 per month
- Median owner-occupied home value$165,600
- Home value to household income3.0 times
- Annual rent as a share of median income17.3 percent
- Adults 25 and over with a bachelor degree or higher17.0 percent
- Adults 25 and over with a graduate degree7.4 percent
- Adults 25 and over11,005
- Population under 183,387
- Share under 1822.0 percent
- Population 65 and over3,103
- Share 65 and over20.1 percent
- Working age population, 18 to 648,936
- Civilian labor force6,145
- Unemployment rate2.6 percent
- Labor force participation, adults 18 and over51.0 percent
- Rank by population among Alabama counties53rd of 67
- Rank by population among US county-equivalents, Puerto Rico included2131st of 3,222
Cleburne County is the 53rd largest of 67 Alabama counties by population. A median home costs 3.0 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 22.0 percent against 20.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Cleburne County
Is Cleburne County's population growing?
- Population, July 1, 202415,905
- Census 2020 base population15,055
- Population change since the 2020 census base5.65 percent
- Population change, 2023 to 2024247
- Births, 2024174
- Deaths, 2024211
- Natural change, 2024-37
- Net domestic migration, 2024278
- Net international migration, 20248
- Total net migration, 2024286
- Cumulative net domestic migration, 2021 to 20241,025
- Rank by growth among US county-equivalents450th of 3,144
The county has grown 5.65 percent 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.
Cleburne County
Where are people moving to Cleburne County from?
- Tax returns filed by households arriving406
- People arriving, from those returns860
- Tax returns filed by households leaving287
- Net household movement119
- Adjusted gross income arriving$21.5 m
- Net adjusted gross income movement$8.4 m
- Average income of an arriving household$52,941
- Average income of a leaving household$45,491
- Largest single originCarroll County (87 households)
- Largest single destinationCalhoun County (81 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Carroll County | 87 | 193 | $4.1 m |
| Calhoun County | 75 | 144 | $4.0 m |
| Haralson County | 40 | 95 | $1.8 m |
| Randolph County | 24 | 47 | $1.1 m |
Households arriving report $7,450 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 Carroll 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.
Cleburne County
What is the Cleburne County economy?
- County GDP, 2024$463.6 m
- County GDP, 2023$430.4 m
- GDP change, 2023 to 20247.7 percent
- GDP change over five years60.6 percent
- Rank by GDP among the Alabama areas BEA publishes61st of 67
- Rank by GDP among the US county areas BEA publishes2454th of 3,127
- GDP per resident$30,056
Output grew 7.7 percent in the latest year and 60.6 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.
Cleburne County
Employment by industry in Cleburne County
- Covered employment, annual average2,721
- Establishments reporting289
- Average annual pay$54,823
- Average weekly wage$1,054
- Retail trade, employment462
- Retail trade, average annual pay$40,889
- Manufacturing, employment461
- Manufacturing, average annual pay$73,461
- Construction, employment456
- Construction, average annual pay$73,657
- Accommodation and food services, employment139
- Accommodation and food services, average annual pay$18,794
- Health care and social assistance, employment126
- Finance and insurance, employment59
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 462 | 52 | $40,889 |
| Manufacturing | 461 | 16 | $73,461 |
| Construction | 456 | 28 | $73,657 |
| Accommodation and food services | 139 | 10 | $18,794 |
| Health care and social assistance | 126 | 30 | $35,902 |
| Finance and insurance | 59 | 12 | $64,443 |
| Other services, except public administration | 59 | 16 | $57,098 |
| Professional, scientific and technical services | 32 | 16 | $61,147 |
Retail trade is the largest private sector at 462 jobs, 17.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Cleburne County
How many businesses are in Cleburne County?
- Establishments, all industries186
- Employment at those establishments2,022
- Annual payroll$106.4 m
- Establishments per 1,000 residents12.1
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.
Cleburne County
Building permits in Cleburne County
- Housing units authorized by permit, 20245
- Declared construction value permitted$1.3 m
- Single family units authorized5
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$252,140
- Units authorized per 1,000 households0.8
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.
Cleburne County
SBA loans in Cleburne County (7(a) and 504)
- 7(a) approvals recorded10
- 7(a) gross approval dollars$12.4 m
- Average 7(a) approval$1,238,180
- Median 7(a) approval$1,284,500
- Largest single approval$2,791,900
- Jobs reported supported, 7(a)29
- Jobs per approval2.9
- Distinct 7(a) lenders active5
- Distinct industries receiving approvals4
- Median 7(a) term155 months
- Share of loans on real estate terms, 240 months or longer10.0 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter4
- Franchise loans1
- Franchise share of approvals10.0 percent
- Leading industry by approval countBroilers and Other Meat Type Chicken Production (7)
- Most active lenderBankPlus (6)
- 504 approvals recorded1
- 504 gross approval dollars$239,000
- Average 504 approval$239,000
- Median 504 approval$239,000
- Distinct CDCs active1
- 504 jobs per approval5.0
- 504 jobs per million dollars approved20.9
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$12.6 m
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.
Cleburne County
SBA loan default and charge-off rates in Cleburne County
Do SBA loans in Cleburne County get paid back?
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Exempt from disclosure8
- Status: Cancelled1
- Status: Paid in full1
Only 1 loan has 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.
Cleburne County
SBA lending by place in Cleburne County
- Borrower cities with recorded lending5
- Fruithurst, approvals4
- Muscadine, approvals2
- Heflin, approvals2
- Delta, approvals1
- Ranburne, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Fruithurst | 4 | $6,672,300 |
| Muscadine | 2 | $3,955,900 |
| Heflin | 2 | $1,463,100 |
| Delta | 1 | $225,000 |
| Ranburne | 1 | $65,500 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cleburne County
How large is Cleburne County?
- Land area560 sq mi
- Rank by land area among Alabama counties65th of 67
- Width, east to west33.6 mi
- Height, north to south34.2 mi
- Geographies sharing a boundary8
- Residents per square mile of land28
- Establishments per square mile0.33
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.
Cleburne County
Flood risk in Cleburne County
- Participation of the county's own NFIP community Cleburne County, unincorporated areasNot participating, community 010042
- Communities in the county in the NFIP Community Status Book4
- Of those, participating in the NFIP1
- NFIP participation rate25.0 percent
- Communities carrying a CRS class0
- Radon levels in Cleburne 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 Cleburne County (community 010042), does not participate in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Cleburne 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. 25.0 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 Cleburne 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 Cleburne County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202415,426
- Households5,980
- Average household size2.58
- Median household income$55,345
- Median age42.7
Common questions
Cleburne County questions, answered from the record.
How many people live in Cleburne County, Alabama?
The Census Bureau estimates 15,905 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 15,426, in 5,980 households, ranking 53rd of 67 Alabama counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Cleburne County's population growing?
The population has grown 5.65 percent since the 2020 census base of 15,055, to 15,905 on July 1, 2024. In 2024 there were 174 births against 211 deaths, with net migration of 286. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Cleburne County?
$55,345. The median owner-occupied home is valued at $165,600, which is 3.0 times income, and median gross rent is $798 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Cleburne County?
186 establishments, employing 2,022 people with an annual payroll of $106.4 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 Cleburne County?
Retail trade is the largest private sector at 462 jobs, 17.0 percent of covered employment. Covered employment averages 2,721 jobs at an average annual pay of $54,823, or $1,054 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Cleburne County?
10 7(a) approvals totaling $12.4 m since FY2020, across 5 lenders, with a median approval of $1,284,500, plus 1 504 approvals worth $239,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Cleburne County?
5 housing units were authorized by permit in 2024, with a declared construction value of $1.3 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Cleburne 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 Cleburne County come from?
The largest single origin is Carroll County, with 87 households. Arriving households report an average income of $52,941 against $45,491 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Cleburne 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 Cleburne 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.
Cleburne County
Cities and places in Cleburne.
5 Census places lie wholly or partly in Cleburne County. All 5 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 |
|---|---|---|---|---|
| Heflin | city | 3,467 | 2 | Wholly in this county |
| Hollis Crossroads | CDP | 785 | None recorded | Wholly in this county |
| Ranburne | town | 556 | 1 | Wholly in this county |
| Fruithurst | town | 554 | 4 | Wholly in this county |
| Edwardsville | town | 238 | None recorded | Wholly in this county |
A further 3 of the county's 10 SBA 7(a) approvals are to borrowers in cities that match no Census place in Cleburne County, the largest being Muscadine (2), Delta (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.