HomeAlabamaColbert CountyMuscle Shoals
Muscle Shoals, Alabama: commercial real estate data.
Muscle Shoals is a Census city of 16,951 people across 16.87 square miles of land, in Colbert County. Median household income is $75,894, 67.1 percent of occupied homes are owned, and the SBA record carries 8 7(a) approvals to borrowers here worth $6.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Muscle Shoals
What Muscle Shoals is
- Census place typecity
- Land area16.87 sq mi
- Water area0.02 sq mi
- Population per square mile of land1,005
- County holding the largest share of its areaColbert 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.
Muscle Shoals
How many people live in Muscle Shoals
- Population16,951
- Median age38.0
- Population under 183,822
- Share under 1822.5 percent
- Population 65 and over3,033
- Share 65 and over17.9 percent
- Households6,934
- Family households4,651
- Share of households that are families67.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Muscle Shoals
Income and work in Muscle Shoals
- Median household income$75,894
- Per capita income$35,651
- Civilian labor force8,680
- Employed8,480
- Unemployed200 plus or minus 120
- Unemployment rate2.3 percent plus or minus 1.4
- Adults 25 and over11,908
- Adults 25 and over with a high school diploma or higher90.2 percent
- Adults 25 and over with a bachelor degree or higher24.0 percent
- Adults 25 and over with a graduate degree8.3 percent plus or minus 2.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Muscle Shoals
Housing in Muscle Shoals
- Housing units7,273
- Occupied units6,934
- Vacant units339 plus or minus 194
- Vacancy rate4.7 percent plus or minus 2.7
- Owner occupied4,654
- Renter occupied2,280
- Ownership rate67.1 percent
- Median owner-occupied home value$199,700
- Median gross rent, monthly$1,029
- Annual rent as a share of median income16.3 percent
- Single family units5,471
- Share single family75.2 percent
- Units in buildings of two or more1,523 plus or minus 381
- Share in buildings of two or more20.9 percent plus or minus 5.1
- Mobile homes279 plus or minus 159
- Median year structure built1990
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Muscle Shoals
How Muscle Shoals gets to work
- Workers 16 and over who commute7,243
- Commuting under 15 minutes2,799
- Share commuting under 15 minutes38.6 percent
- Commuting 30 minutes or more1,714 plus or minus 354
- Share commuting 30 minutes or more23.7 percent
- Drove alone77.7 percent
- Carpooled7.6 percent plus or minus 2.8
- Public transport0.8 percent plus or minus 1.1
- Walked0.3 percent plus or minus 0.4
- Worked from home13.7 percent plus or minus 4.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Muscle Shoals
SBA loans in Muscle Shoals (7(a))
- Approvals8
- Gross approval$6,538,400
- Average approval$817,300
- Median approval$245,950
- Largest approval$5,000,000
- Jobs supported255
- Jobs per approval31.9
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more25.0 percent
- Share to franchises12.5 percent
- Distinct lenders7
- Distinct industries by NAICS8
Counted by borrower city: approvals to borrowers whose address is in Muscle Shoals, in any county, FY2020 to FY2026. Only 2 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.
Muscle Shoals
SBA loans in Muscle Shoals (504)
- Approvals1
- Gross approval$156,000
- Average approval$156,000
- Median approval$156,000
- Largest approval$156,000
- Jobs supported6
- Loans with a final outcome1
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Muscle Shoals, 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.
Muscle Shoals
Flood risk in Muscle Shoals
- NFIP communityCity of Muscle Shoals
- NFIP community number010047
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date02/17/10
The City of Muscle Shoals participates in the National Flood Insurance Program as community 010047 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.
Colbert County, not Muscle Shoals
Colbert County context, not Muscle Shoals figures
- Establishments in Colbert County1,268
- Covered employment, Colbert County24,495
- Average annual pay, Colbert County$58,010
- Housing units permitted, Colbert County94
Every figure in this section is published for Colbert County as a whole and is not a measurement of Muscle Shoals.
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
Muscle Shoals questions, answered from the record.
How many people live in Muscle Shoals, Alabama?
16,951, in 6,934 households. Muscle Shoals city covers 16.87 square miles of land, which is 1,005 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Muscle Shoals in?
Colbert 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 Muscle Shoals?
$75,894. The median owner-occupied home is valued at $199,700. Median gross rent is $1,029 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Muscle Shoals businesses?
8 7(a) approvals totaling $6.5 m since FY2020, across 7 lenders, median approval $245,950, plus 1 504 approvals worth $156,000 since FY2010. These count approvals to borrowers whose address is in Muscle Shoals, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Muscle Shoals borrowers get paid back?
No rate is published for Muscle Shoals. Only 2 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 Muscle Shoals in the National Flood Insurance Program?
Yes. Muscle Shoals appears in the FEMA Community Status Book as Muscle Shoals, city of, community 010047, 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 Muscle Shoals figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Colbert 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 Muscle Shoals.
Is zoning published for Muscle Shoals?
No. Nothing on this page presents parcel level zoning.
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