Elba, Alabama: commercial real estate data.
Elba is a Census city of 3,468 people across 15.34 square miles of land, in Coffee County. Median household income is $44,792, 73.2 percent of occupied homes are owned, and the SBA record carries 2 7(a) approvals to borrowers here worth $1.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Elba
What Elba is
- Census place typecity
- Land area15.34 sq mi
- Water area0.08 sq mi
- Population per square mile of land226
- County holding the largest share of its areaCoffee 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.
Elba
How many people live in Elba
- Population3,468
- Median age47.8
- Population under 18613 plus or minus 184
- Share under 1817.7 percent plus or minus 5.3
- Population 65 and over975 plus or minus 228
- Share 65 and over28.1 percent plus or minus 6.6
- Households1,275
- Family households912
- Share of households that are families71.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elba
Income and work in Elba
- Median household income$44,792 plus or minus $11,512
- Per capita income$23,032
- Civilian labor force1,105
- Employed1,013
- Unemployed92 plus or minus 81
- Unemployment rate8.3 percent plus or minus 7.2
- Adults 25 and over2,684
- Adults 25 and over with a high school diploma or higher80.4 percent
- Adults 25 and over with a bachelor degree or higher11.7 percent plus or minus 5.4
- Adults 25 and over with a graduate degree2.3 percent plus or minus 1.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elba
Housing in Elba
- Housing units1,595
- Occupied units1,275
- Vacant units320 plus or minus 114
- Vacancy rate20.1 percent plus or minus 6.8
- Owner occupied933
- Renter occupied342 plus or minus 153
- Ownership rate73.2 percent
- Median owner-occupied home value$114,500
- Median gross rent, monthly$653 plus or minus $469
- Annual rent as a share of median income17.5 percent plus or minus 13.3
- Single family units1,262
- Share single family79.1 percent
- Units in buildings of two or more208 plus or minus 120
- Share in buildings of two or more13.0 percent plus or minus 7.4
- Mobile homes125 plus or minus 72
- Median year structure built1972
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elba
How Elba gets to work
- Workers 16 and over who commute943 plus or minus 208
- Commuting under 15 minutes294 plus or minus 130
- Share commuting under 15 minutes31.2 percent plus or minus 11.9
- Commuting 30 minutes or more499 plus or minus 185
- Share commuting 30 minutes or more52.9 percent plus or minus 15.7
- Drove alone91.0 percent
- Carpooled9.0 percent plus or minus 7.8
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home0.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Elba
SBA loans in Elba (7(a))
- Approvals2
- Gross approval$1,303,000
- Average approval$651,500
- Median approval$651,500
- Largest approval$1,153,000
- Jobs supported10
- Jobs per approval5.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
Counted by borrower city: approvals to borrowers whose address is in Elba, in any county, FY2020 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, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Elba
SBA loans in Elba (504)
- Approvals1
- Gross approval$210,000
- Average approval$210,000
- Median approval$210,000
- Largest approval$210,000
- Jobs supported0
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Elba, in any county, FY2010 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, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Elba
Flood risk in Elba
- NFIP communityCity of Elba
- NFIP community number015004
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date08/19/10
The City of Elba participates in the National Flood Insurance Program as community 015004 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.
Coffee County, not Elba
Coffee County context, not Elba figures
- Establishments in Coffee County1,022
- Covered employment, Coffee County17,365
- Average annual pay, Coffee County$46,411
- Housing units permitted, Coffee County146
Every figure in this section is published for Coffee County as a whole and is not a measurement of Elba.
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
Elba questions, answered from the record.
How many people live in Elba, Alabama?
3,468, in 1,275 households. Elba city covers 15.34 square miles of land, which is 226 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Elba in?
Coffee 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 Elba?
$44,792. The median owner-occupied home is valued at $114,500. Median gross rent is $653 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Elba businesses?
2 7(a) approvals totaling $1.3 m since FY2020, across 1 lenders, median approval $651,500, plus 1 504 approvals worth $210,000 since FY2010. These count approvals to borrowers whose address is in Elba, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Elba borrowers get paid back?
No rate is published for Elba. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Elba in the National Flood Insurance Program?
Yes. Elba appears in the FEMA Community Status Book as Elba, city of, community 015004, 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 Elba figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Coffee 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 Elba.
Is zoning published for Elba?
No. Nothing on this page presents parcel level zoning.
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