HomeAlabamaDeKalb CountyFort Payne
Fort Payne, Alabama: commercial real estate data.
Fort Payne is a Census city of 14,927 people across 56.41 square miles of land, in DeKalb County. Median household income is $47,479, 69.3 percent of occupied homes are owned, and the SBA record carries 10 7(a) approvals to borrowers here worth $3.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Fort Payne
What Fort Payne is
- Census place typecity
- Land area56.41 sq mi
- Water area0.35 sq mi
- Population per square mile of land265
- County holding the largest share of its areaDeKalb 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.
Fort Payne
How many people live in Fort Payne
- Population14,927
- Median age37.4
- Population under 183,933
- Share under 1826.3 percent
- Population 65 and over2,311
- Share 65 and over15.5 percent
- Households5,522
- Family households3,560
- Share of households that are families64.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fort Payne
Income and work in Fort Payne
- Median household income$47,479
- Per capita income$26,126
- Civilian labor force6,488
- Employed6,165
- Unemployed323 plus or minus 207
- Unemployment rate5.0 percent plus or minus 3.2
- Adults 25 and over9,456
- Adults 25 and over with a high school diploma or higher79.2 percent
- Adults 25 and over with a bachelor degree or higher17.3 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.
Fort Payne
Housing in Fort Payne
- Housing units6,369
- Occupied units5,522
- Vacant units847 plus or minus 248
- Vacancy rate13.3 percent plus or minus 3.8
- Owner occupied3,827
- Renter occupied1,695 plus or minus 343
- Ownership rate69.3 percent
- Median owner-occupied home value$157,000
- Median gross rent, monthly$679
- Annual rent as a share of median income17.2 percent
- Single family units4,791
- Share single family75.2 percent
- Units in buildings of two or more1,025 plus or minus 279
- Share in buildings of two or more16.1 percent plus or minus 4.3
- Mobile homes553 plus or minus 215
- Median year structure built1977
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fort Payne
How Fort Payne gets to work
- Workers 16 and over who commute5,711
- Commuting under 15 minutes3,045
- Share commuting under 15 minutes53.3 percent
- Commuting 30 minutes or more1,016 plus or minus 267
- Share commuting 30 minutes or more17.8 percent plus or minus 4.4
- Drove alone78.3 percent
- Carpooled12.2 percent plus or minus 3.5
- Public transport0.0 percent
- Walked1.4 percent plus or minus 1.3
- Worked from home7.2 percent plus or minus 2.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fort Payne
SBA loans in Fort Payne (7(a))
- Approvals10
- Gross approval$3,095,200
- Average approval$309,520
- Median approval$81,500
- Largest approval$1,528,000
- Jobs supported48
- Jobs per approval4.8
- Loans with a final outcome4
- Paid in full4
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more20.0 percent
- Share to franchises10.0 percent
- Distinct lenders8
- Distinct industries by NAICS10
Counted by borrower city: approvals to borrowers whose address is in Fort Payne, in any county, FY2020 to FY2026. Only 4 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.
Fort Payne
SBA loans in Fort Payne (504)
- Approvals8
- Gross approval$11,324,000
- Average approval$1,415,500
- Median approval$413,000
- Largest approval$4,577,000
- Jobs supported76
- Loans with a final outcome3
- Charged off0
- Median term240 months
- Distinct CDCs4
Counted by borrower city: approvals to borrowers whose address is in Fort Payne, in any county, FY2010 to FY2026. Only 3 loans have 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.
Fort Payne
Flood risk in Fort Payne
- NFIP communityCity of Fort Payne
- NFIP community number010067
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/29/11
The City of Fort Payne participates in the National Flood Insurance Program as community 010067 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.
DeKalb County, not Fort Payne
DeKalb County context, not Fort Payne figures
- Establishments in DeKalb County1,165
- Covered employment, DeKalb County23,367
- Average annual pay, DeKalb County$50,391
- Housing units permitted, DeKalb County39
Every figure in this section is published for DeKalb County as a whole and is not a measurement of Fort Payne.
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
Fort Payne questions, answered from the record.
How many people live in Fort Payne, Alabama?
14,927, in 5,522 households. Fort Payne city covers 56.41 square miles of land, which is 265 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Fort Payne in?
DeKalb 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 Fort Payne?
$47,479. The median owner-occupied home is valued at $157,000. Median gross rent is $679 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Fort Payne businesses?
10 7(a) approvals totaling $3.1 m since FY2020, across 8 lenders, median approval $81,500, plus 8 504 approvals worth $11.3 m since FY2010. These count approvals to borrowers whose address is in Fort Payne, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Fort Payne borrowers get paid back?
No rate is published for Fort Payne. Only 4 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 Fort Payne in the National Flood Insurance Program?
Yes. Fort Payne appears in the FEMA Community Status Book as Fort Payne, city of, community 010067, 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 Fort Payne figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for DeKalb 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 Fort Payne.
Is zoning published for Fort Payne?
No. Nothing on this page presents parcel level zoning.