HomeAlabamaMadison CountyOwens Cross Roads
Owens Cross Roads, Alabama: commercial real estate data.
Owens Cross Roads is a Census city of 2,826 people across 7.89 square miles of land, in Madison County. Median household income is $86,188, 84.6 percent of occupied homes are owned, and the SBA record carries 8 7(a) approvals to borrowers here worth $3.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Owens Cross Roads
What Owens Cross Roads is
- Census place typecity
- Land area7.89 sq mi
- Water area0.12 sq mi
- Population per square mile of land358
- County holding the largest share of its areaMadison 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.
Owens Cross Roads
How many people live in Owens Cross Roads
- Population2,826
- Median age32.1
- Population under 18924 plus or minus 192
- Share under 1832.7 percent plus or minus 6.8
- Population 65 and over339 plus or minus 98
- Share 65 and over12.0 percent plus or minus 3.5
- Households965
- Family households698
- Share of households that are families72.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Owens Cross Roads
Income and work in Owens Cross Roads
- Median household income$86,188 plus or minus $20,078
- Per capita income$32,123
- Civilian labor force1,345
- Employed1,210
- Unemployed135 plus or minus 82
- Unemployment rate10.0 percent plus or minus 6.0
- Adults 25 and over1,736
- Adults 25 and over with a high school diploma or higher85.2 percent
- Adults 25 and over with a bachelor degree or higher24.4 percent plus or minus 5.9
- Adults 25 and over with a graduate degree11.5 percent plus or minus 4.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Owens Cross Roads
Housing in Owens Cross Roads
- Housing units1,003
- Occupied units965
- Vacant units38 plus or minus 43
- Vacancy rate3.8 percent plus or minus 4.3
- Owner occupied816
- Renter occupied149 plus or minus 79
- Ownership rate84.6 percent
- Median owner-occupied home value$227,000
- Median gross rent, monthly$946 plus or minus $673
- Annual rent as a share of median income13.2 percent plus or minus 9.9
- Single family units956
- Share single family95.3 percent
- Units in buildings of two or more38 plus or minus 45
- Share in buildings of two or more3.8 percent plus or minus 4.5
- Mobile homes9 plus or minus 10
- Median year structure built2006
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Owens Cross Roads
How Owens Cross Roads gets to work
- Workers 16 and over who commute988
- Commuting under 15 minutes115 plus or minus 48
- Share commuting under 15 minutes11.6 percent plus or minus 4.6
- Commuting 30 minutes or more477 plus or minus 112
- Share commuting 30 minutes or more48.3 percent
- Drove alone73.9 percent
- Carpooled7.7 percent plus or minus 6.0
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home17.4 percent plus or minus 5.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Owens Cross Roads
SBA loans in Owens Cross Roads (7(a))
- Approvals8
- Gross approval$3,800,000
- Average approval$475,000
- Median approval$319,000
- Largest approval$1,123,000
- Jobs supported75
- Jobs per approval9.4
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises25.0 percent
- Distinct lenders5
- Distinct industries by NAICS8
Counted by borrower city: approvals to borrowers whose address is in Owens Cross Roads, in any county, FY2020 to FY2026. Only 1 loan has 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.
Owens Cross Roads
SBA loans in Owens Cross Roads (504)
- Approvals2
- Gross approval$3,643,000
- Average approval$1,821,500
- Median approval$1,821,500
- Largest approval$2,942,000
- Jobs supported33
- Loans with a final outcome1
- Charged off0
- Median term270 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Owens Cross Roads, in any county, FY2010 to FY2026. Only 1 loan has 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.
Owens Cross Roads
Flood risk in Owens Cross Roads
- NFIP communityTown of Owens Cross Roads
- NFIP community number010218
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date01/23/26
The Town of Owens Cross Roads participates in the National Flood Insurance Program as community 010218 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.
Madison County, not Owens Cross Roads
Madison County context, not Owens Cross Roads figures
- Establishments in Madison County9,295
- Covered employment, Madison County229,807
- Average annual pay, Madison County$77,051
- Housing units permitted, Madison County4,710
Every figure in this section is published for Madison County as a whole and is not a measurement of Owens Cross Roads.
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
Owens Cross Roads questions, answered from the record.
How many people live in Owens Cross Roads, Alabama?
2,826, in 965 households. Owens Cross Roads city covers 7.89 square miles of land, which is 358 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Owens Cross Roads in?
Madison 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 Owens Cross Roads?
$86,188. The median owner-occupied home is valued at $227,000. Median gross rent is $946 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Owens Cross Roads businesses?
8 7(a) approvals totaling $3.8 m since FY2020, across 5 lenders, median approval $319,000, plus 2 504 approvals worth $3.6 m since FY2010. These count approvals to borrowers whose address is in Owens Cross Roads, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Owens Cross Roads borrowers get paid back?
No rate is published for Owens Cross Roads. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Owens Cross Roads in the National Flood Insurance Program?
Yes. Owens Cross Roads appears in the FEMA Community Status Book as Owens Cross Roads, town of, community 010218, 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 Owens Cross Roads figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Madison 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 Owens Cross Roads.
Is zoning published for Owens Cross Roads?
No. Nothing on this page presents parcel level zoning.