HomeAlabamaColbert CountyMuscle Shoals city
Muscle Shoals city, Alabama: commercial real estate data.
Muscle Shoals city 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.
76 sourced place values · tier FULL · 8 sections · 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$259,800
- Ninetieth percentile approval$5,000,000
- 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
A charge-off rate is not published here. only 2 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
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
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Colbert County, not Muscle Shoals
Colbert County context, not Muscle Shoals figures
These are Colbert County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Muscle Shoals measurements.
- Establishments in Colbert County1,268
- Employment at those establishments, Colbert County23,237
- Covered employment, Colbert County24,495
- Average annual pay, Colbert County$58,010
- Average weekly wage, Colbert County$1,116
- Housing units permitted, Colbert County94
- Of those, single family, Colbert County94
- County product, 2024, Colbert County$3,558,557,000
- County product change over the prior year, Colbert County2.3 percent
- Average income of an arriving household, Colbert County$82,622
Every figure in this section is published for Colbert County as a whole and is not a measurement of Muscle Shoals. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $6.5 m, across 7 lenders, median approval $259,800, plus 1 504 approvals worth $156,000. 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 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Muscle Shoals figures?
No, and they are labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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