1st Advantage Mortgage32% of Coffee County households earn $100,000 or more; the median is $68,353 (ACS 2020-24). Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- A quick profile of Coffee County
- Homes and rents, Coffee County
- Labor force snapshot: Coffee County
- Coffee County against other Alabama counties
- Paychecks and income spread in Coffee County
- How Coffee County compares with nearby counties
- Census places in Coffee County
- A Coffee County household budget, worked through
- Coffee County residents: age, schooling, coverage
- Before borrowing in Coffee County
- Before you sign
- Verifying a lender from Coffee County
- More guides for Coffee County
- Frequently asked questions
A quick profile of Coffee County
With an estimated 54,920 residents (ACS 2020 to 2024), Coffee County ranks 26th of 67 in Alabama for population. Packed into 679 square miles, that is close to 81 residents for every square mile of land. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. Of the 4 Census places inside Coffee County, Enterprise leads by population with about 29,505; 4 of the 4 are incorporated.
Homes and rents, Coffee County
Median gross rent, utilities included, comes to $1,018 in Coffee County versus $1,007 statewide. 39% of renting households spend 30% or more of income on rent, and 23% spend half or more. Coffee County homes are worth $188,600 at the median, a 2.8-to-1 ratio to income. 72% of Coffee County households own their home and 28% rent. Half the housing stock was built before 1987.
| Home costs | Coffee County | Alabama | Compared with Alabama |
|---|---|---|---|
| Rent-burdened renters | 39% | 49% | -9.9 pts |
| Owners | 72% | 70% | +2.1 pts |
| Burdened owners | 25% | 24% | +1.1 pts |
| Median home value | $188,600 | $209,900 | 10% lower |
| Mobile homes | 12.1% | 12.3% | -0.2 pts |
| Median gross rent | $1,018/mo | $1,007/mo | level |
At a $188,600 median value, many Coffee County owners hold equity. Using it lowers cost only if you can carry the risk (equity vs. unsecured).
Labor force snapshot: Coffee County
Education and health care (20%), retail trade (12%) and transportation, warehousing and utilities (12%) lead Coffee County's job mix. Coffee County over-indexes on transportation, warehousing and utilities: 12% versus 6% in Alabama. Unemployment in Coffee County, ACS five-year: 5.1%; Alabama: 4.7%. 11% of commuters travel 45 minutes or more each way, and 4% work from home. 4.0% of households have no vehicle.
| Top industries | Coffee County share | +/- vs Alabama |
|---|---|---|
| Education and health care | 19.8% | -2.9 pts |
| Retail trade | 12.0% | +0.4 pts |
| Transportation, warehousing and utilities | 11.9% | +5.9 pts |
| Manufacturing | 10.4% | -3.7 pts |
| Professional and administrative services | 9.5% | -0.6 pts |
| Arts, lodging and food service | 8.4% | +0.3 pts |
Seasonal work is common in many Coffee County industries; if that is you, show a full year of income rather than one strong month.
Coffee County against other Alabama counties
Where Coffee County lands at the extremes of Alabama's county rankings:
- On the share of commutes over 45 minutes, Coffee County sits near the bottom of Alabama at 11%, 8th lowest of 67. Less driving means fewer surprise repair bills.
- Median household income: $68,353 in Coffee County. Only 8 of 67 Alabama counties are higher. Higher local incomes do not change lender rules; your documented income is what counts.
- On households without a vehicle, Coffee County sits near the bottom of Alabama at 4.0%, 10th lowest of 67. Car ownership is close to universal, and so are repair bills.
- On the share of households earning $100,000 or more, Coffee County sits near the top of Alabama at 32%, 12th highest of 67. High earners still overpay when they skip comparing offers.
Paychecks and income spread in Coffee County
At $68,353, the typical Coffee County household income is 4% above the median U.S. county ($65,681). That places it 9th among Alabama's 67 county-level areas.
| Household income | Coffee County | vs Alabama |
|---|---|---|
| Under $35,000 | 26.1% | -2.1 pts |
| $35,000 to $99,999 | 41.8% | +0.6 pts |
| $100,000 to $199,999 | 25.3% | +2.4 pts |
| $200,000 or more | 6.9% | -0.9 pts |
26% under $35,000 and 32% at $100,000 or more: that is the Coffee County income split. Census counts 16.7% of Coffee County residents in poverty, against 15.6% across Alabama. If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Coffee County median.
How Coffee County compares with nearby counties
Nearest neighbors first, measured between county centers (22 to 39 miles). Income ranges from $48,560 in Crenshaw County to $54,963 in Dale County; none of these neighbors top Coffee County's median. The list crosses into Florida, where different lending rules and regulators apply.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Coffee County | - | $68,353 | $1,018/mo | 72% |
| Dale County, AL | 22 mi | $54,963 | $889/mo | 62% |
| Geneva County, AL | 24 mi | $52,771 | $784/mo | 78% |
| Pike County, AL | 28 mi | $48,677 | $856/mo | 61% |
| Covington County, AL | 29 mi | $52,456 | $746/mo | 76% |
| Crenshaw County, AL | 30 mi | $48,560 | $661/mo | 73% |
| Holmes County, FL | 39 mi | $49,343 | $844/mo | 76% |
Census places in Coffee County
The table lists the 4 largest of 4 Census places in Coffee County, by population. Together all 4 hold about 35,107 people, so roughly 36% of residents live outside any named place. Enterprise has the highest median household income on the list ($73,125) and Kinston the lowest ($43,036), counting places with at least 500 residents. From Enterprise to the smallest crossroads, Coffee County residents share this guide.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Enterprise | city | 29,505 | $73,125 | $1,098 | 10 mi |
| Elba | city | 3,468 | $44,792 | $653 | 5 mi |
| New Brockton | town | 1,430 | $72,212 | $627 | 5 mi |
| Kinston | town | 704 | $43,036 | $708 | 17 mi |
A Coffee County household budget, worked through
Here is the Coffee County median household run through a simple DTI check. Your numbers will differ.
- Monthly gross at the median, Coffee County: $5,696
- Rent at the median, $1,018, takes 18% of that
- 35% debt-to-income limit: $976 left for all other debt payments
- With a 45% ceiling, about $1,545 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.
Coffee County residents: age, schooling, coverage
22% of Coffee County adults 25 and older hold a bachelor's degree or more. Uninsured, Coffee County: 10.4%; Alabama: 9.2%.
| People and households | Coffee County | Compared with Alabama | Compared with median county |
|---|---|---|---|
| Bachelor's or higher | 22.5% | -5.9 pts | +0.3 pts |
| Work from home | 4.4% | -4.5 pts | -4.3 pts |
| No high school diploma | 12.9% | +1.5 pts | n/a |
| No vehicle | 4.0% | -1.4 pts | -1.4 pts |
| No health insurance | 10.4% | +1.2 pts | +2.5 pts |
| Poverty rate | 16.7% | +1.1 pts | +3.5 pts |
| Unemployment (ACS) | 5.1% | +0.4 pts | +0.7 pts |
| Median age | 39.0 | -0.3 yrs | -2.5 yrs |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 33.3% |
| 15 to 29 min | 37.0% |
| 30 to 44 min | 18.7% |
| 45 to 59 min | 6.2% |
| 60+ min | 4.8% |
Before borrowing in Coffee County
Coffee County-specific points to check:
- Health costs. With 10% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- Repairs on manufactured housing. With 12% of homes here, compare a personal loan with any dealer or park repair program.
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
Before you sign
Four checks before you sign anything:
- Borrow the amount the job needs; extra cash adds interest.
- Compare the total repaid on every offer, not just the payment.
- Only work with lenders licensed for Alabama borrowers.
- Keep a small cushion so one surprise bill does not mean another loan.
Verifying a lender from Coffee County
Before sharing details with a lender, a Coffee County resident can confirm its license with the Alabama State Banking Department. The Consumer Financial Protection Bureau accepts complaints nationwide. Statewide data and rules: Alabama guide.
More guides for Coffee County
Next step up from Coffee County:
Frequently asked questions
What is the median household income in Coffee County?
$68,353 a year in the 2020 to 2024 Census survey, versus $63,999 for Alabama. It ranks 9th of 67 in the state.
What do renters pay in Coffee County?
$1,018 a month at the median, about 18% of median household income.
I live near Enterprise. Which guide is mine?
This one. Enterprise and the rest of Coffee County have no separate city guide.
Are Coffee County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.
How do I know a lender is legitimate in Coffee County?
Look it up with the Alabama State Banking Department, read the written offer, and refuse any fee before funding.