HomeAlabamaJefferson CountyBirmingham
Birmingham, Alabama: commercial real estate data.
Birmingham is a Census city of 198,173 people across 147.07 square miles of land, lying across Jefferson County and Shelby County. Median household income is $46,051, 45.5 percent of occupied homes are owned, and the SBA record carries 309 7(a) approvals to borrowers here worth $206.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Birmingham
What Birmingham is
- Census place typecity
- Land area147.07 sq mi
- Water area2.52 sq mi
- Population per square mile of land1,347
- County holding the largest share of its areaJefferson County, 96.6 percent
- Counties this place lies inJefferson County 96.6 percent, Shelby County 3.4 percent
Birmingham crosses a county line. The split above is measured from the Census boundary of the place against the county boundaries, by area, so it says where the ground is and not where the town hall is.
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Birmingham
How many people live in Birmingham
- Population198,173
- Median age35.6
- Population under 1837,436
- Share under 1818.9 percent
- Population 65 and over32,486
- Share 65 and over16.4 percent
- Households88,788
- Family households42,178
- Share of households that are families47.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Birmingham
Income and work in Birmingham
- Median household income$46,051
- Per capita income$32,216
- Civilian labor force97,490
- Employed91,800
- Unemployed5,690
- Unemployment rate5.8 percent
- Adults 25 and over136,711
- Adults 25 and over with a high school diploma or higher89.0 percent
- Adults 25 and over with a bachelor degree or higher31.1 percent
- Adults 25 and over with a graduate degree12.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Birmingham
Housing in Birmingham
- Housing units109,349
- Occupied units88,788
- Vacant units20,561
- Vacancy rate18.8 percent
- Owner occupied40,402
- Renter occupied48,386
- Ownership rate45.5 percent
- Median owner-occupied home value$158,800
- Median gross rent, monthly$1,107
- Annual rent as a share of median income28.8 percent
- Single family units65,601
- Share single family60.0 percent
- Units in buildings of two or more42,873
- Share in buildings of two or more39.2 percent
- Mobile homes825 plus or minus 285
- Median year structure built1965
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Birmingham
How Birmingham gets to work
- Workers 16 and over who commute81,274
- Commuting under 15 minutes21,785
- Share commuting under 15 minutes26.8 percent
- Commuting 30 minutes or more17,227
- Share commuting 30 minutes or more21.2 percent
- Drove alone73.7 percent
- Carpooled9.5 percent
- Public transport1.2 percent plus or minus 0.5
- Walked3.5 percent
- Worked from home9.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Birmingham
SBA loans in Birmingham (7(a))
- Approvals309
- Gross approval$206,771,100
- Average approval$669,162
- Median approval$300,000
- Ninetieth percentile approval$1,807,240
- Largest approval$5,000,000
- Jobs supported4,076
- Jobs per approval13.2
- Loans with a final outcome43
- Paid in full41
- Charged off2
- Charge-off rate over resolved loans4.7 percent
- Median term120 months
- Share on real estate terms of 20 years or more13.3 percent
- Share to franchises18.8 percent
- Distinct lenders71
- Distinct industries by NAICS129
Counted by borrower city: approvals to borrowers whose address is in Birmingham, in any county, FY2020 to FY2026.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Birmingham
SBA loans in Birmingham (504)
- Approvals181
- Gross approval$126,252,000
- Average approval$697,525
- Median approval$457,000
- Largest approval$5,000,000
- Jobs supported1,878
- Loans with a final outcome51
- Charged off3
- Charge-off rate over resolved loans5.9 percent
- Median term240 months
- Distinct CDCs6
Counted by borrower city: approvals to borrowers whose address is in Birmingham, in any county, FY2010 to FY2026.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Birmingham
Flood risk in Birmingham
- NFIP communityCity of Birmingham
- NFIP community number010116
- Participating in the NFIPYes
- Community Rating System classClass 5
- Currently effective map date09/24/21
The City of Birmingham participates in the National Flood Insurance Program as community 010116 and carries Community Rating System class 5, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Jefferson County, not Birmingham
Jefferson County context, not Birmingham figures
- Establishments in Jefferson County16,989
- Covered employment, Jefferson County367,081
- Average annual pay, Jefferson County$71,562
- Housing units permitted, Jefferson County2,117
Every figure in this section is published for Jefferson County as a whole and is not a measurement of Birmingham.
All Jefferson County figures →
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
Birmingham questions, answered from the record.
How many people live in Birmingham, Alabama?
198,173, in 88,788 households. Birmingham city covers 147.07 square miles of land, which is 1,347 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Birmingham in?
Birmingham lies in more than one. By area it is 96.6 percent in Jefferson County, 3.4 percent in Shelby County. This page sits under Jefferson County because that county holds the largest share. The split is measured from the Census boundary of the place against the county boundaries.
What is the median household income in Birmingham?
$46,051. The median owner-occupied home is valued at $158,800. Median gross rent is $1,107 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Birmingham businesses?
309 7(a) approvals totaling $206.8 m since FY2020, across 71 lenders, median approval $300,000, plus 181 504 approvals worth $126.3 m since FY2010. These count approvals to borrowers whose address is in Birmingham, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Birmingham borrowers get paid back?
Of the 43 loans that have reached a final outcome, 41 were paid in full and 2 charged off, a charge off rate of 4.7 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Birmingham in the National Flood Insurance Program?
Yes. Birmingham appears in the FEMA Community Status Book as Birmingham, city of, community 010116, carrying Community Rating System class 5, which is a premium discount for exceeding the program minimum. 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 Birmingham figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Jefferson 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 Birmingham.
Is zoning published for Birmingham?
No. Nothing on this page presents parcel level zoning.