1st Advantage MortgageIn Barbour County, Alabama, the typical household earns $46,042 a year and the typical rent is $688. A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Alabama license first.
On this page
- Barbour County at a glance
- Income in Barbour County compared with Alabama
- Employment and commuting in Barbour County
- Renting and owning in Barbour County
- Barbour County towns compared
- The counties around Barbour County
- Who lives in Barbour County, in numbers
- What the numbers mean for Barbour County borrowers
- Budget math at the Barbour County median
- Checklist for Barbour County applicants
- Licensing and complaints for Barbour County
- More guides for Barbour County
- Frequently asked questions
Barbour County at a glance
With an estimated 24,643 residents (ACS 2020 to 2024), Barbour County ranks 41st of 67 in Alabama for population. Spread over 885 square miles, that works out to roughly 27.8 residents per square mile. No metropolitan area includes Barbour County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. The Census Bureau counts 6 places in the county (6 incorporated, 0 census-designated); the largest is Eufaula, with about 12,584 residents, or 51% of the county.
Income in Barbour County compared with Alabama
At $46,042, the typical Barbour County household income is 30% below the median U.S. county ($65,681). That places it 54th among Alabama's 67 county-level areas.
| Household income | Barbour County | vs Alabama |
|---|---|---|
| Under $35,000 | 42.6% | +14.4 pts |
| $35,000 to $99,999 | 36.5% | -4.6 pts |
| $100,000 to $199,999 | 17.6% | -5.3 pts |
| $200,000 or more | 3.3% | -4.5 pts |
Some 43% of households here live on less than $35,000 a year; 21% have six-figure incomes. Census counts 21.4% of Barbour County residents in poverty, against 15.6% across Alabama. For a borrower in Barbour County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
Employment and commuting in Barbour County
The biggest employer of Barbour County residents, by industry, is manufacturing at 22% of workers, followed by education and health care (19%). The sharpest difference from the state is in manufacturing, at 22% locally and 14% for Alabama. The survey's unemployment rate for Barbour County averages 7.8% over 2020 to 2024 (state: 4.7%). Long commutes are common here: 23% of workers spend 45 minutes or longer getting to work. Households without a car make up 10.5% of the total (5.4% statewide).
| Top industries | Barbour County share | +/- vs Alabama |
|---|---|---|
| Manufacturing | 21.6% | +7.5 pts |
| Education and health care | 18.5% | -4.1 pts |
| Retail trade | 11.4% | -0.2 pts |
| Arts, lodging and food service | 9.7% | +1.6 pts |
| Public administration | 8.8% | +3.2 pts |
| Transportation, warehousing and utilities | 8.2% | +2.3 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Renting and owning in Barbour County
Renters in Barbour County pay a median of $688 a month, 32% below the Alabama figure of $1,007. By the Census definition, 37% of Barbour County renters are cost-burdened. Home values center on $112,900, or 2.5 years of median income. Owners occupy 68% of homes.
| Home costs | Barbour County | Alabama | U.S. middle county |
|---|---|---|---|
| Median gross rent | $688/mo | $1,007/mo | $877/mo |
| Median home value | $112,900 | $209,900 | $185,300 |
| Owners | 68% | 70% | 75% |
| Rent-burdened renters | 37% | 49% | 45% |
| Burdened owners | 29% | 24% | n/a |
Barbour County towns compared
6 Census places fall mainly inside Barbour County; the 6 biggest are below. They account for 17,163 residents, leaving about 30% of the county in unincorporated, unnamed areas. Among places of 500 or more people, median income runs from $21,641 in Clayton to $47,392 in Eufaula. This guide covers each of the 6 places and the rural areas around them.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Eufaula | city | 12,584 | $47,392 | $698 | 15 mi |
| Clayton | city | 2,295 | $21,641 | $766 | 3 mi |
| Clio | city | 1,422 | $28,750 | $434 | 16 mi |
| Louisville | town | 518 | $44,439 | $530 | 11 mi |
| Bakerhill | town | 244 | $55,114 | n/a | 9 mi |
| Blue Springs | town | 100 | $46,667 | n/a | 15 mi |
The counties around Barbour County
Six nearby counties, 23 to 32 miles away by the straight-line distance between their centers. Income ranges from $31,310 in Bullock County to $59,931 in Henry County; 4 of these neighbors top Barbour County's median. Some neighbors are in Georgia. Lender licensing is state by state, so a loan for a Barbour County resident follows Alabama rules.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Barbour County | - | $46,042 | $688/mo | 68% |
| Quitman County, GA | 23 mi | $40,179 | $918/mo | 84% |
| Bullock County, AL | 24 mi | $31,310 | $556/mo | 67% |
| Henry County, AL | 26 mi | $59,931 | $769/mo | 79% |
| Clay County, GA | 30 mi | $49,147 | $536/mo | 78% |
| Russell County, AL | 32 mi | $51,197 | $939/mo | 61% |
| Pike County, AL | 32 mi | $48,677 | $856/mo | 61% |
Who lives in Barbour County, in numbers
College graduates make up 11% of the adult population. The uninsured rate is 10.3%, against 9.2% for Alabama.
| People and households | Barbour County | Alabama | Median county |
|---|---|---|---|
| Median age | 40.8 | 39.3 | 41.5 |
| Bachelor's or higher | 10.6% | 28.4% | 22.2% |
| No high school diploma | 21.9% | 11.4% | n/a |
| No health insurance | 10.3% | 9.2% | 7.8% |
| No vehicle | 10.5% | 5.4% | 5.4% |
| Work from home | 6.5% | 8.8% | 8.7% |
| Poverty rate | 21.4% | 15.6% | 13.2% |
| Unemployment (ACS) | 7.8% | 4.7% | 4.4% |
| Commute length | Barbour County |
|---|---|
| Under 15 min | 36.9% |
| 15 to 29 min | 24.5% |
| 30 to 44 min | 15.8% |
| 45 to 59 min | 9.4% |
| 60+ min | 13.4% |
What the numbers mean for Barbour County borrowers
The county's numbers point to a few situations that come up often for Barbour County borrowers.
- Health costs. With 10% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- Vehicle repairs. 23% of Barbour County workers commute 45+ minutes, so a breakdown can cost a paycheck. Get two written estimates.
- Mobile home upkeep. 27% of units fall in this category; roof, skirting and HVAC jobs are common reasons to borrow.
- Lower-cost alternatives. In a county with 21% in poverty, nonprofit credit counseling may beat a loan (options).
Budget math at the Barbour County median
How much room does a median Barbour County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Start: $3,837 gross per month ($46,042 / 12)
- Less median rent of $688, which is 18% of it
- $693: what a 36% ratio leaves once rent is paid
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Checklist for Barbour County applicants
Before you apply, wherever you live in Barbour County:
- Write down what the expense costs; a smaller loan costs less.
- Collect three written offers and compare APR and total repaid.
- Verify the Alabama license before giving out your Social Security number.
- Lock paid-off cards after consolidating so balances stay at zero.
Licensing and complaints for Barbour County
Consumer lenders serving Barbour County are licensed by the state, not the county; in Alabama that is the Alabama State Banking Department. The Consumer Financial Protection Bureau accepts complaints nationwide. The Alabama guide covers state rules in more detail.
More guides for Barbour County
For statewide rules and data, see the Alabama guide.
Frequently asked questions
How much do households in Barbour County earn?
The median is $46,042; 21% earn $100,000 or more and 43% under $35,000. A lender uses your own documented income, not this figure.
Is Barbour County expensive for renters?
Median rent is $688 against $1,007 statewide, and 37% of renter households are cost-burdened.
Does this page cover Eufaula?
Yes, along with the other 5 Census places in Barbour County, such as Clayton, Clio, Louisville.
Will a Barbour County address affect my match?
Beyond confirming Alabama as your state, no. Your answers about amount, credit, income and payments are all that count.
Is there a Barbour County office that licenses lenders?
No, licensing is statewide. In Alabama it is the Alabama State Banking Department.