Elmore County, Alabama: commercial real estate data.
Elmore County, Alabama had an estimated 91,042 residents on July 1, 2024, up 3.5 percent since the 2020 census base of 87,980, across 618 square miles. County output reached $3.12 bn in 2024, 1,305 establishments operate here, and the SBA record carries 24 7(a) approvals worth $14.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Elmore County
How many people live in Elmore County
- Population, American Community Survey 2020-202489,526
- Households32,856
- Average household size2.72
- Median household income$78,243
- Median age39.5
- Median gross rent$1,071 per month
- Median owner-occupied home value$223,900
- Home value to household income2.9 times
- Annual rent as a share of median income16.4 percent
- Adults 25 and over with a bachelor degree or higher25.4 percent
- Adults 25 and over with a graduate degree8.9 percent
- Adults 25 and over62,596
- Population under 1819,313
- Share under 1821.6 percent
- Population 65 and over14,803
- Share 65 and over16.5 percent
- Working age population, 18 to 6455,410
- Civilian labor force42,836
- Unemployment rate4.6 percent
- Labor force participation, adults 18 and over61.0 percent
- Rank by population among Alabama counties18th of 67
- Rank by population among US county-equivalents, Puerto Rico included672nd of 3,222
Elmore County is the 18th largest of 67 Alabama counties by population. A median home costs 2.9 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 21.6 percent against 16.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Elmore County
Is Elmore County's population growing?
- Population, July 1, 202491,042
- Census 2020 base population87,980
- Population change since the 2020 census base3.48 percent
- Population change, 2023 to 2024626
- Births, 2024923
- Deaths, 2024861
- Natural change, 202462
- Net domestic migration, 2024506
- Net international migration, 202455
- Total net migration, 2024561
- Cumulative net domestic migration, 2021 to 20243,244
- Rank by growth among US county-equivalents780th of 3,144
The county has grown 3.48 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Elmore County
Where are people moving to Elmore County from?
- Tax returns filed by households arriving2,611
- People arriving, from those returns5,070
- Tax returns filed by households leaving2,363
- Net household movement248
- Adjusted gross income arriving$181.8 m
- Net adjusted gross income movement$53.6 m
- Average income of an arriving household$69,624
- Average income of a leaving household$54,244
- Largest single originMontgomery County (751 households)
- Largest single destinationMontgomery County (478 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Montgomery County | 751 | 1,488 | $32.6 m |
| Autauga County | 463 | 909 | $25.8 m |
| Tallapoosa County | 111 | 241 | $5.6 m |
| Lee County | 75 | 120 | $3.5 m |
| Jefferson County | 53 | 82 | $3.9 m |
| Shelby County | 50 | 88 | $9.7 m |
| Chilton County | 40 | 71 | $2.0 m |
| Dallas County | 32 | 59 | $1.1 m |
Households arriving report $15,380 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 Montgomery 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.
Elmore County
What is the Elmore County economy?
- County GDP, 2024$3.12 bn
- County GDP, 2023$2.84 bn
- GDP change, 2023 to 20249.9 percent
- GDP change over five years47.6 percent
- Rank by GDP among the Alabama areas BEA publishes21st of 67
- Rank by GDP among the US county areas BEA publishes948th of 3,127
- GDP per resident$34,831
Output grew 9.9 percent in the latest year and 47.6 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.
Elmore County
Employment by industry in Elmore County
- Covered employment, annual average21,539
- Establishments reporting1,787
- Average annual pay$48,014
- Average weekly wage$923
- Retail trade, employment3,947
- Retail trade, average annual pay$32,824
- Accommodation and food services, employment3,286
- Accommodation and food services, average annual pay$21,805
- Health care and social assistance, employment2,373
- Health care and social assistance, average annual pay$40,800
- Manufacturing, employment2,264
- Manufacturing, average annual pay$70,811
- Professional, scientific and technical services, employment1,027
- Construction, employment1,022
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 3,947 | 260 | $32,824 |
| Accommodation and food services | 3,286 | 169 | $21,805 |
| Health care and social assistance | 2,373 | 178 | $40,800 |
| Manufacturing | 2,264 | 74 | $70,811 |
| Professional, scientific and technical services | 1,027 | 170 | $91,413 |
| Construction | 1,022 | 200 | $65,111 |
| Finance and insurance | 540 | 126 | $67,860 |
| Other services, except public administration | 497 | 109 | $41,764 |
Retail trade is the largest private sector at 3,947 jobs, 18.3 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Elmore County
How many businesses are in Elmore County?
- Establishments, all industries1,305
- Employment at those establishments15,513
- Annual payroll$632.4 m
- Establishments per 1,000 residents14.6
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.
Elmore County
Building permits in Elmore County
- Housing units authorized by permit, 2024107
- Declared construction value permitted$26.1 m
- Single family units authorized107
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$243,623
- Units authorized per 1,000 households3.3
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.
Elmore County
SBA loans in Elmore County (7(a) and 504)
- 7(a) approvals recorded24
- 7(a) gross approval dollars$14.1 m
- Average 7(a) approval$585,446
- Median 7(a) approval$190,000
- 10th percentile approval$21,500
- 90th percentile approval$1,308,490
- Largest single approval$4,800,000
- Jobs reported supported, 7(a)192
- Jobs per approval8.0
- Distinct 7(a) lenders active12
- Distinct industries receiving approvals18
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer12.5 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter19
- Franchise loans4
- Franchise share of approvals16.7 percent
- Leading industry by approval countFabricated Structural Metal Manufacturing (3)
- Most active lenderNewtek Bank, National Association (4)
- 504 approvals recorded13
- 504 gross approval dollars$6.0 m
- Average 504 approval$458,077
- Median 504 approval$401,000
- Distinct CDCs active4
- 504 jobs per approval4.1
- 504 jobs per million dollars approved8.9
- Most active CDCSouthern Development Council (6)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$20.0 m
The average approval of $585,446 sits well above the median of $190,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 12.5 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
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.
Elmore County
SBA loan default and charge-off rates in Elmore County
Do SBA loans in Elmore County get paid back?
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Exempt from disclosure16
- Status: Paid in full2
- Status: Cancelled5
- Status: Committed, not yet disbursed1
Only 2 loans have 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.
Elmore County
SBA lending by place in Elmore County
- Borrower cities with recorded lending7
- Wetumpka, approvals9
- Eclectic, approvals4
- Elmore, approvals3
- Millbrook, approvals3
- Tallassee, approvals2
- Marbury, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Wetumpka | 9 | $6,150,000 |
| Eclectic | 4 | $1,928,700 |
| Elmore | 3 | $4,510,000 |
| Millbrook | 3 | $375,000 |
| Tallassee | 2 | $667,000 |
| Marbury | 2 | $270,000 |
| Deatsville | 1 | $150,000 |
Wetumpka accounts for 9 approvals against 4 in Eclectic. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Elmore County
How large is Elmore County?
- Land area618 sq mi
- Rank by land area among Alabama counties46th of 67
- Width, east to west31.1 mi
- Height, north to south24.7 mi
- Geographies sharing a boundary6
- Residents per square mile of land145
- Establishments per square mile2.11
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.
Elmore County
Flood risk in Elmore County
- Participation of the county's own NFIP community Elmore County, unincorporated areasParticipating, community 010406
- Communities in the county in the NFIP Community Status Book8
- Of those, participating in the NFIP7
- NFIP participation rate87.5 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 7
- Communities carrying a CRS class2
- Radon levels in Elmore County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The county's own community in the status book, unincorporated Elmore County (community 010406), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Elmore County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. The best Community Rating System class among the county's communities is 7, which carries a flood insurance premium discount for policies written in that community. 87.5 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 Elmore 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 Elmore County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202489,526
- Households32,856
- Average household size2.72
- Median household income$78,243
- Median age39.5
Common questions
Elmore County questions, answered from the record.
How many people live in Elmore County, Alabama?
The Census Bureau estimates 91,042 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 89,526, in 32,856 households, ranking 18th of 67 Alabama counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Elmore County's population growing?
The population has grown 3.48 percent since the 2020 census base of 87,980, to 91,042 on July 1, 2024. In 2024 there were 923 births against 861 deaths, with net migration of 561. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Elmore County?
$78,243. The median owner-occupied home is valued at $223,900, which is 2.9 times income, and median gross rent is $1,071 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Elmore County?
1,305 establishments, employing 15,513 people with an annual payroll of $632.4 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 Elmore County?
Retail trade is the largest private sector at 3,947 jobs, 18.3 percent of covered employment. Covered employment averages 21,539 jobs at an average annual pay of $48,014, or $923 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Elmore County?
24 7(a) approvals totaling $14.1 m since FY2020, across 12 lenders, with a median approval of $190,000, plus 13 504 approvals worth $6.0 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Elmore County?
107 housing units were authorized by permit in 2024, with a declared construction value of $26.1 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Elmore County?
Zone 2, a predicted average indoor radon screening level from 2 to 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 Elmore County come from?
The largest single origin is Montgomery County, with 751 households. Arriving households report an average income of $69,624 against $54,244 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Elmore 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 Elmore 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.
Elmore County
Cities and places in Elmore.
12 Census places lie wholly or partly in Elmore County. All 12 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 |
|---|---|---|---|---|
| Prattville | city | 39,482 | None recorded | 16.6 percent here, 83.4 percent Autauga County |
| Millbrook | city | 17,189 | 3 | Wholly in this county |
| Wetumpka | city | 7,437 | 9 | Wholly in this county |
| Holtville | CDP | 5,158 | None recorded | Wholly in this county |
| Tallassee | city | 5,134 | 2 | 61.6 percent here, 38.4 percent Tallapoosa County |
| Redland | CDP | 4,982 | None recorded | Wholly in this county |
| Emerald Mountain | CDP | 3,535 | None recorded | Wholly in this county |
| Deatsville | town | 2,097 | 1 | Wholly in this county |
| Elmore | town | 1,517 | 3 | Wholly in this county |
| Blue Ridge | CDP | 1,190 | None recorded | Wholly in this county |
| Eclectic | town | 1,141 | 4 | Wholly in this county |
| Coosada | town | 1,105 | None recorded | Wholly in this county |
A further 2 of the county's 24 SBA 7(a) approvals are to borrowers in cities that match no Census place in Elmore County, the largest being Marbury (2). 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.
Nearby