1st Advantage MortgageThe median Bullock County household earns $31,310, and 33% of residents live below the poverty line. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Alabama before sharing details.
On this page
- Getting oriented in Bullock County
- How Bullock County residents earn a living
- Income in Bullock County compared with Alabama
- Rent, home values and ownership in Bullock County
- Places inside Bullock County
- The counties around Bullock County
- A Bullock County household budget, worked through
- What the numbers mean for Bullock County borrowers
- Bullock County residents: age, schooling, coverage
- Before you sign
- Who licenses lenders for Bullock County residents
- More guides for Bullock County
- Frequently asked questions
Getting oriented in Bullock County
Roughly 10,058 residents live in Bullock County, Alabama, 64th by population among the state's 67 counties and county equivalents. Spread over 623 square miles, that works out to roughly 16.1 residents per square mile. No metropolitan area includes Bullock County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Union Springs is the biggest of its 3 Census places, at roughly 3,248 people (32% of the county total).
How Bullock County residents earn a living
By the Census industry count, 34% of employed Bullock County residents work in manufacturing and 14% in education and health care. The sharpest difference from the state is in manufacturing, at 34% locally and 14% for Alabama. The survey's unemployment rate for Bullock County averages 7.2% over 2020 to 2024 (state: 4.7%). 30% of commuters travel 45 minutes or more each way, and 1% work from home. Only 10.0% of homes here go without a vehicle.
| Top industries | Bullock County share | +/- vs Alabama |
|---|---|---|
| Manufacturing | 33.7% | +19.6 pts |
| Education and health care | 14.0% | -8.7 pts |
| Retail trade | 10.0% | -1.6 pts |
| Public administration | 7.0% | +1.5 pts |
| Arts, lodging and food service | 6.5% | -1.5 pts |
| Transportation, warehousing and utilities | 6.3% | +0.4 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Income in Bullock County compared with Alabama
Bullock County households have a median income of $31,310 (ACS 2020 to 2024), which ranks 66th of 67 in Alabama.
| Yearly household income | Bullock County | Gap to Alabama |
|---|---|---|
| Under $35,000 | 53.1% | +24.9 pts |
| $35,000 to $99,999 | 36.9% | -4.2 pts |
| $100,000 to $199,999 | 8.3% | -14.6 pts |
| $200,000 or more | 1.7% | -6.1 pts |
The spread is wide: 10% of Bullock County households make $100,000 or more, and 53% make less than $35,000. The poverty rate is 33.3%, 18 points higher than the state's 15.6%. Income inequality, measured by the Gini index, comes to 0.507 here. If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Bullock County median.
Rent, home values and ownership in Bullock County
A typical Bullock County rental runs $556 a month including utilities, which is 45% below Alabama. Rent takes 30% or more of income for 51% of renter households here. The median owner-occupied home is valued at $81,700, about 2.6 times the median household income. The ownership rate is 67%.
| Cost | Bullock County | Alabama figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $556/mo | $1,007/mo | $877/mo |
| Median home value | $81,700 | $209,900 | $185,300 |
| Owners | 67% | 70% | 75% |
| Rent-burdened renters | 51% | 49% | 45% |
| Burdened owners | 35% | 24% | n/a |
| Vacant units | 19% | 15% | n/a |
High rent burdens leave little slack. If you are borrowing to consolidate, make sure the new payment is lower than the ones it replaces.
Places inside Bullock County
The table lists the 3 largest of 3 Census places in Bullock County, by population. Together all 3 hold about 3,751 people, so roughly 63% of residents live outside any named place. None of the 3 has its own city guide, so this page covers all of them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Union Springs | city | 3,248 | $26,250 | $526 | 3 mi |
| Midway | town | 503 | $61,893 | $521 | 11 mi |
| Fitzpatrick | CDP | 0 | n/a | n/a | 12 mi |
The counties around Bullock County
Nearest neighbors first, measured between county centers (20 to 41 miles). Income ranges from $43,707 in Macon County to $65,824 in Lee County; all six of these neighbors top Bullock County's median.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Bullock County | - | $31,310 | $556/mo | 67% |
| Macon County, AL | 20 mi | $43,707 | $734/mo | 62% |
| Barbour County, AL | 24 mi | $46,042 | $688/mo | 68% |
| Pike County, AL | 25 mi | $48,677 | $856/mo | 61% |
| Montgomery County, AL | 29 mi | $59,386 | $1,092/mo | 58% |
| Russell County, AL | 34 mi | $51,197 | $939/mo | 61% |
| Lee County, AL | 41 mi | $65,824 | $1,058/mo | 66% |
A Bullock County household budget, worked through
How much room does a median Bullock County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- $2,609 a month: gross income for a household at the Bullock County median
- Rent at the median, $556, takes 21% of that
- With a 36% ceiling, about $383 remains for car, card, student and any new loan payments
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
What the numbers mean for Bullock County borrowers
A few patterns in the Bullock County data, and the practical point behind each:
- Uninsured care. 12% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Commuter costs. 30% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- 43% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- 33% below poverty. Emergency aid, payment plans and counseling (list) come first.
Bullock County residents: age, schooling, coverage
8% of Bullock County adults 25 and older hold a bachelor's degree or more. The uninsured rate is 11.8%, against 9.2% for Alabama.
| Bullock County | Alabama | U.S. county median | |
|---|---|---|---|
| Median age | 43.0 | 39.3 | 41.5 |
| Bachelor's or higher | 8.1% | 28.4% | 22.2% |
| No high school diploma | 25.2% | 11.4% | n/a |
| No health insurance | 11.8% | 9.2% | 7.8% |
| No vehicle | 10.0% | 5.4% | 5.4% |
| Work from home | 1.1% | 8.8% | 8.7% |
| Poverty rate | 33.3% | 15.6% | 13.2% |
| Unemployment (ACS) | 7.2% | 4.7% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 31.0% |
| 15 to 29 min | 25.3% |
| 30 to 44 min | 14.2% |
| 45 to 59 min | 15.6% |
| 60+ min | 13.9% |
Before you sign
Before you apply, wherever you live in Bullock County:
- Price the Bullock County expense first and borrow that amount, no more.
- Collect three written offers and compare APR and total repaid.
- Check the license, then the reviews, then the offer.
- Ask a Bullock County credit union about member loans.
Who licenses lenders for Bullock County residents
The Alabama State Banking Department is the place to verify any lender's Alabama license. A CFPB complaint gets forwarded to the company for a response. The Alabama guide covers state rules in more detail.
More guides for Bullock County
The Alabama guide covers the whole state.
Frequently asked questions
What is the median household income in Bullock County?
$31,310 a year in the 2020 to 2024 Census survey, versus $63,999 for Alabama. It ranks 66th of 67 in the state.
Is Bullock County expensive for renters?
Median rent is $556 against $1,007 statewide, and 51% of renter households are cost-burdened.
Does this page cover Union Springs?
Yes, along with the other 2 Census places in Bullock County, such as Midway, Fitzpatrick.
Is the fit check different in Bullock County?
No. It is identical everywhere, and it never looks at your neighborhood.
Who regulates personal lenders for Bullock County residents?
The Alabama State Banking Department licenses consumer lenders in Alabama; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.