Alto, Georgia: commercial real estate data.
Alto is a Census town of 1,055 people across 1.15 square miles of land, lying across Banks County and Habersham County. Median household income is $81,250, 81.9 percent of occupied homes are owned, and the SBA record carries 8 7(a) approvals to borrowers here worth $18.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Alto
What Alto is
- Census place typetown
- Land area1.15 sq mi
- Water area0 sq mi
- Population per square mile of land920 plus or minus 330
- County holding the largest share of its areaBanks County, 55.7 percent
- Counties this place lies inBanks County 55.7 percent, Habersham County 44.3 percent
Alto 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.
Alto
How many people live in Alto
- Population1,055 plus or minus 378
- Median age30.5
- Population under 18307 plus or minus 111
- Share under 1829.1 percent
- Population 65 and over88 plus or minus 40
- Share 65 and over8.3 percent plus or minus 2.3
- Households304 plus or minus 98
- Family households259 plus or minus 96
- Share of households that are families85.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Alto
Income and work in Alto
- Median household income$81,250 plus or minus $16,648
- Per capita income$25,091 plus or minus $5,714
- Civilian labor force520 plus or minus 201
- Employed506 plus or minus 193
- Unemployed14 plus or minus 22
- Unemployment rate2.7 percent plus or minus 4.1
- Adults 25 and over644 plus or minus 206
- Adults 25 and over with a high school diploma or higher62.9 percent plus or minus 26.2
- Adults 25 and over with a bachelor degree or higher13.2 percent plus or minus 5.3
- Adults 25 and over with a graduate degree2.8 percent plus or minus 2.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Alto
Housing in Alto
- Housing units402 plus or minus 109
- Occupied units304 plus or minus 98
- Vacant units98 plus or minus 52
- Vacancy rate24.4 percent plus or minus 11.1
- Owner occupied249 plus or minus 91
- Renter occupied55 plus or minus 31
- Ownership rate81.9 percent
- Median owner-occupied home value$192,200 plus or minus $47,995
- Median gross rent, monthly$1,051 plus or minus $281
- Annual rent as a share of median income15.5 percent plus or minus 5.2
- Single family units229 plus or minus 85
- Share single family57.0 percent plus or minus 14.4
- Units in buildings of two or more24 plus or minus 27
- Share in buildings of two or more6.0 percent plus or minus 6.4
- Mobile homes149 plus or minus 51
- Median year structure built1992
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Alto
How Alto gets to work
- Workers 16 and over who commute500 plus or minus 194
- Commuting under 15 minutes152 plus or minus 78
- Share commuting under 15 minutes30.4 percent plus or minus 10.2
- Commuting 30 minutes or more198 plus or minus 84
- Share commuting 30 minutes or more39.6 percent
- Drove alone87.0 percent
- Carpooled11.9 percent plus or minus 8.6
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home1.2 percent plus or minus 1.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Alto
SBA loans in Alto (7(a))
- Approvals8
- Gross approval$18,270,000
- Average approval$2,283,750
- Median approval$1,767,500
- Largest approval$5,000,000
- Jobs supported424
- Jobs per approval53.0
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term125 months
- Share on real estate terms of 20 years or more37.5 percent
- Share to franchises12.5 percent
- Distinct lenders7
- Distinct industries by NAICS7
Counted by borrower city: approvals to borrowers whose address is in Alto, 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.
Alto
SBA loans in Alto (504)
- Approvals1
- Gross approval$1,013,000
- Average approval$1,013,000
- Median approval$1,013,000
- Largest approval$1,013,000
- Jobs supported3
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Alto, in any county, FY2010 to FY2026. Only 0 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.
Alto
Flood risk in Alto
- NFIP communityTown of Alto
- NFIP community number130083
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date01/05/18
The Town of Alto participates in the National Flood Insurance Program as community 130083 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.
Banks County, not Alto
Banks County context, not Alto figures
- Establishments in Banks County334
- Covered employment, Banks County4,876
- Average annual pay, Banks County$44,856
- Housing units permitted, Banks County102
Every figure in this section is published for Banks County as a whole and is not a measurement of Alto.
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
Alto questions, answered from the record.
How many people live in Alto, Georgia?
1,055, in 304 households. Alto town covers 1.15 square miles of land, which is 920 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Alto in?
Alto lies in more than one. By area it is 55.7 percent in Banks County, 44.3 percent in Habersham County. This page sits under Banks 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 Alto?
$81,250. The median owner-occupied home is valued at $192,200. Median gross rent is $1,051 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Alto businesses?
8 7(a) approvals totaling $18.3 m since FY2020, across 7 lenders, median approval $1,767,500, plus 1 504 approvals worth $1.0 m since FY2010. These count approvals to borrowers whose address is in Alto, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Alto borrowers get paid back?
No rate is published for Alto. 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 Alto in the National Flood Insurance Program?
Yes. Alto appears in the FEMA Community Status Book as Alto, town of, community 130083, 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 Alto figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Banks 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 Alto.
Is zoning published for Alto?
No. Nothing on this page presents parcel level zoning.