1st Advantage MortgageThe median Coosa County household earns $57,355, and 13% of residents live below the poverty line. Use those as context only. A lender looks at your own documented income and debts; compare APR and total repaid on every Coosa County offer.
On this page
- Coosa County at a glance
- What it costs to live in Coosa County
- Income in Coosa County compared with Alabama
- How Coosa County ranks in Alabama
- Coosa County industries and commutes
- Nearby counties: income, rent, ownership
- The communities that make up Coosa County
- Coosa County residents: age, schooling, coverage
- Debt-to-income, Coosa County edition
- Reading the Coosa County data as a borrower
- Who licenses lenders for Coosa County residents
- Steps before you apply in Coosa County
- Beyond Coosa County
- Frequently asked questions
Coosa County at a glance
Roughly 10,300 residents live in Coosa County, Alabama, 62nd by population among the state's 67 counties and county equivalents. It covers 651 square miles of land, or about 16 people per square mile. Coosa County is classed as nonmetropolitan in the OMB's July 2023 list. Largest place: Stewartville, about 1,629 residents (16% of Coosa County); 11 Census places in all.
What it costs to live in Coosa County
Coosa County rent at the median: $665 a month, utilities in ($1,007 in Alabama). By the Census definition, 64% of Coosa County renters are cost-burdened. Coosa County homes are worth $115,500 at the median, a 2.0-to-1 ratio to income. Homeowners 82%, renters 18%. Against the median U.S. county, Coosa County rent is 24% below.
| Measure | Coosa County | Alabama | Gap |
|---|---|---|---|
| Rent-burdened renters | 64% | 49% | +14.7 pts |
| Owners | 82% | 70% | +11.4 pts |
| Burdened owners | 14% | 24% | -9.8 pts |
| Median home value | $115,500 | $209,900 | 45% lower |
| Median gross rent | $665/mo | $1,007/mo | 34% lower |
Coosa County owners: get one secured and one unsecured quote, then compare the total cost and what you would put up as collateral (side by side). 64% of Coosa County renters are already past the 30% line; one more payment should leave room for a late paycheck.
Income in Coosa County compared with Alabama
Half of Coosa County households take in less than $57,355 a year and half take in more, 10% below the Alabama median of $63,999. In the state ranking that is 27th of 67.
| Households earning | Coosa County | +/- vs Alabama |
|---|---|---|
| Under $35,000 | 29.9% | +1.6 pts |
| $35,000 to $99,999 | 48.5% | +7.4 pts |
| $100,000 to $199,999 | 18.7% | -4.2 pts |
| $200,000 or more | 2.9% | -4.8 pts |
On the low end, 30% of Coosa County households report under $35,000; at the top, 22% report $100,000-plus. 13.1% of residents fall below the federal poverty line (statewide: 15.6%). The Gini index of income inequality is 0.398 (0 is perfect equality). None of these numbers decides a Coosa County application. Lenders weigh your own documented income against your own debts.
How Coosa County ranks in Alabama
- On the share of renters paying 30% or more of income for rent, Coosa County sits near the top of Alabama at 64%, the highest of 67. Make sure a consolidation loan lowers what you pay each month.
- Median age: 50.1 in Coosa County, the highest of 67 in Alabama. Retirement income counts when documented; favor loans with no prepayment penalty.
- Few Alabama counties match Coosa County on homeownership: 82% here, 70% for the state, ranking 5th highest of 67. Most households here own, so home equity is often an alternative to weigh.
- Coosa County ranks 6th lowest of 67 Alabama counties for population: 10,300, against 5,086,768 statewide. With few local branches, online lenders and statewide credit unions widen the choice.
Coosa County industries and commutes
Manufacturing employs 22% of working residents, the largest share; education and health care is next with 18%. Relative to Alabama (14%), manufacturing is 8 points bigger in Coosa County (22%). 6.2% of Coosa County's labor force reported being unemployed, averaged across 2020 to 2024. Long commutes are common here: 26% of workers spend 45 minutes or longer getting to work. Households without a car make up 6.0% of the total (5.4% statewide).
| Where residents work | Coosa County | Difference from Alabama |
|---|---|---|
| Manufacturing | 21.6% | +7.5 pts |
| Education and health care | 17.6% | -5.1 pts |
| Retail trade | 11.6% | 0.0 pts |
| Construction | 9.1% | +2.1 pts |
| Transportation, warehousing and utilities | 8.5% | +2.6 pts |
| Arts, lodging and food service | 7.7% | -0.3 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Nearby counties: income, rent, ownership
Six nearby counties, 24 to 33 miles away by the straight-line distance between their centers. 5 of the six report a higher median household income than Coosa County; Shelby County is highest at $97,961 and Clay County lowest at $55,250.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Coosa County | - | $57,355 | $665/mo | 82% |
| Elmore County, AL | 24 mi | $78,243 | $1,071/mo | 77% |
| Tallapoosa County, AL | 26 mi | $59,356 | $765/mo | 76% |
| Chilton County, AL | 29 mi | $65,603 | $871/mo | 77% |
| Talladega County, AL | 31 mi | $57,776 | $785/mo | 72% |
| Clay County, AL | 32 mi | $55,250 | $619/mo | 79% |
| Shelby County, AL | 33 mi | $97,961 | $1,401/mo | 81% |
The communities that make up Coosa County
The table lists the 11 largest of 11 Census places in Coosa County, by population. Together all 11 hold about 5,545 people, so roughly 46% of residents live outside any named place. Among places of 500 or more people, median income runs from $39,511 in Goodwater to $87,574 in Stewartville. Rent is cheapest in Rockford ($615) and steepest in Ray ($1,066). None of the 11 has its own city guide, so this page covers all of them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Stewartville | CDP | 1,629 | $87,574 | n/a | 10 mi |
| Goodwater | town | 1,445 | $39,511 | $650 | 14 mi |
| Rockford | town | 622 | $43,125 | $615 | 3 mi |
| Ray | CDP | 548 | $77,951 | $1,066 | 12 mi |
| Nixburg | CDP | 256 | $52,621 | n/a | 10 mi |
| Hanover | CDP | 248 | $108,929 | n/a | 6 mi |
| Mount Olive | CDP | 208 | n/a | n/a | 12 mi |
| Hissop | CDP | 206 | $65,592 | n/a | 7 mi |
| Weogufka | CDP | 184 | $67,917 | n/a | 7 mi |
| Kellyton | town | 106 | $60,625 | n/a | 13 mi |
| Equality | CDP | 93 | n/a | n/a | 13 mi |
CDPs are unincorporated communities the Census Bureau defines for counting.
Coosa County residents: age, schooling, coverage
College graduates make up 14% of the adult population. About 8% go without health insurance.
| People and households | Coosa County | Compared with Alabama | Compared with median county |
|---|---|---|---|
| Bachelor's or higher | 13.9% | -14.5 pts | -8.3 pts |
| Median age | 50.1 | +10.8 yrs | +8.6 yrs |
| No high school diploma | 16.2% | +4.8 pts | n/a |
| Poverty rate | 13.1% | -2.5 pts | -0.1 pts |
| No health insurance | 7.6% | -1.6 pts | -0.2 pts |
| Unemployment (ACS) | 6.2% | +1.5 pts | +1.8 pts |
| Work from home | 7.5% | -1.3 pts | -1.1 pts |
| No vehicle | 6.0% | +0.6 pts | +0.6 pts |
| One-way commute | Share of Coosa County workers |
|---|---|
| Under 15 min | 18.4% |
| 15 to 29 min | 38.3% |
| 30 to 44 min | 17.2% |
| 45 to 59 min | 7.4% |
| 60+ min | 18.6% |
Debt-to-income, Coosa County edition
Coosa County at the medians, through a lender's eyes (what DTI means):
- $4,780 a month: gross income for a household at the Coosa County median
- Rent at the median, $665, takes 14% of that
- Under a 43% cap, $2,055 total minus rent leaves $1,390
A household below the $57,355 median has less room than this, often none.
Reading the Coosa County data as a borrower
A few patterns in the Coosa County data, and the practical point behind each:
- Long drives. With 26% of commutes over 45 minutes, tires and repairs are fixed costs in many Coosa County budgets.
- Repairs on manufactured housing. With 32% of homes here, compare a personal loan with any dealer or park repair program.
- Fixed incomes. Coosa County's median age is 50.1. Social Security and pensions count as income when documented.
- Renters under pressure. When 64% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
Who licenses lenders for Coosa County residents
The Alabama State Banking Department is the place to verify any lender's Alabama license. If a Coosa County lender ignores a dispute, the CFPB complaint portal is the federal backstop. The Alabama guide covers state rules in more detail.
Steps before you apply in Coosa County
Steps that save money for Coosa County residents:
- Know the exact dollar figure you need before talking to a lender.
- Collect three written offers and compare APR and total repaid.
- Only work with lenders licensed for Alabama borrowers.
- Ask about early-payoff penalties.
Beyond Coosa County
For statewide rules and data, see the Alabama guide.
Frequently asked questions
What does a typical Coosa County household make?
About $57,355 a year at the median (ACS 2020-24), 10% below the Alabama median.
What do renters pay in Coosa County?
$665 a month at the median, about 14% of median household income.
I own my home in Coosa County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 82% of homes owner-occupied here, many readers can compare both in writing.
I live in a small Coosa County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Stewartville, Goodwater, Rockford, Ray, Nixburg and 6 more.
Does living in Coosa County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Coosa County resident as anyone. Lenders decide under fair-lending law.