HomeAlabamaJefferson CountyGardendale
Gardendale, Alabama: commercial real estate data.
Gardendale is a Census city of 16,534 people across 23.01 square miles of land, in Jefferson County. Median household income is $82,192, 78.2 percent of occupied homes are owned, and the SBA record carries 10 7(a) approvals to borrowers here worth $7.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Gardendale
What Gardendale is
- Census place typecity
- Land area23.01 sq mi
- Water area0 sq mi
- Population per square mile of land719
- County holding the largest share of its areaJefferson 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.
Gardendale
How many people live in Gardendale
- Population16,534
- Median age38.0
- Population under 184,122
- Share under 1824.9 percent
- Population 65 and over2,920
- Share 65 and over17.7 percent
- Households6,592
- Family households4,366
- Share of households that are families66.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gardendale
Income and work in Gardendale
- Median household income$82,192
- Per capita income$42,246
- Civilian labor force8,235
- Employed7,958
- Unemployed277 plus or minus 115
- Unemployment rate3.4 percent plus or minus 1.4
- Adults 25 and over11,136
- Adults 25 and over with a high school diploma or higher92.0 percent
- Adults 25 and over with a bachelor degree or higher31.2 percent
- Adults 25 and over with a graduate degree11.9 percent plus or minus 2.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gardendale
Housing in Gardendale
- Housing units7,001
- Occupied units6,592
- Vacant units409 plus or minus 344
- Vacancy rate5.8 percent plus or minus 4.9
- Owner occupied5,155
- Renter occupied1,437
- Ownership rate78.2 percent
- Median owner-occupied home value$252,600
- Median gross rent, monthly$1,299
- Annual rent as a share of median income19.0 percent
- Single family units5,411
- Share single family77.3 percent
- Units in buildings of two or more1,344 plus or minus 510
- Share in buildings of two or more19.2 percent plus or minus 7.1
- Mobile homes246 plus or minus 98
- Median year structure built1988
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gardendale
How Gardendale gets to work
- Workers 16 and over who commute6,920
- Commuting under 15 minutes932 plus or minus 250
- Share commuting under 15 minutes13.5 percent plus or minus 3.4
- Commuting 30 minutes or more2,280
- Share commuting 30 minutes or more32.9 percent
- Drove alone80.0 percent
- Carpooled6.7 percent plus or minus 2.4
- Public transport0.0 percent
- Walked0.7 percent plus or minus 0.7
- Worked from home12.4 percent plus or minus 3.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Gardendale
SBA loans in Gardendale (7(a))
- Approvals10
- Gross approval$7,497,100
- Average approval$749,710
- Median approval$330,450
- Largest approval$3,800,000
- Jobs supported124
- Jobs per approval12.4
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more20.0 percent
- Share to franchises30.0 percent
- Distinct lenders10
- Distinct industries by NAICS10
Counted by borrower city: approvals to borrowers whose address is in Gardendale, 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.
Gardendale
SBA loans in Gardendale (504)
- Approvals12
- Gross approval$12,015,000
- Average approval$1,001,250
- Median approval$566,000
- Largest approval$4,233,000
- Jobs supported154
- Loans with a final outcome3
- Charged off0
- Median term270 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Gardendale, 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.
Gardendale
Flood risk in Gardendale
- NFIP communityCity of Gardendale
- NFIP community number010269
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date03/21/19(M)
The City of Gardendale participates in the National Flood Insurance Program as community 010269 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.
Jefferson County, not Gardendale
Jefferson County context, not Gardendale 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 Gardendale.
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
Gardendale questions, answered from the record.
How many people live in Gardendale, Alabama?
16,534, in 6,592 households. Gardendale city covers 23.01 square miles of land, which is 719 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Gardendale in?
Jefferson 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 Gardendale?
$82,192. The median owner-occupied home is valued at $252,600. Median gross rent is $1,299 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Gardendale businesses?
10 7(a) approvals totaling $7.5 m since FY2020, across 10 lenders, median approval $330,450, plus 12 504 approvals worth $12.0 m since FY2010. These count approvals to borrowers whose address is in Gardendale, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Gardendale borrowers get paid back?
No rate is published for Gardendale. 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 Gardendale in the National Flood Insurance Program?
Yes. Gardendale appears in the FEMA Community Status Book as Gardendale, city of, community 010269, 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 Gardendale 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 Gardendale.
Is zoning published for Gardendale?
No. Nothing on this page presents parcel level zoning.