1st Advantage MortgageAbout 77% of Elmore County homes are owner-occupied, and the median household income is $78,243. 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
- Elmore County at a glance
- Employment and commuting in Elmore County
- How much Elmore County households make
- What it costs to live in Elmore County
- The communities that make up Elmore County
- How Elmore County compares with nearby counties
- Room for a loan payment in Elmore County
- Before borrowing in Elmore County
- Elmore County residents: age, schooling, coverage
- A Elmore County borrower's checklist
- Alabama rules that apply in Elmore County
- More guides for Elmore County
- Frequently asked questions
Elmore County at a glance
Elmore County is home to about 89,526 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 18th most populous of 67 county-level areas in Alabama. Packed into 619 square miles, that is close to 145 residents for every square mile of land. For statistical purposes it belongs to the Montgomery, AL metro area, as delineated by the Office of Management and Budget in July 2023. The Census Bureau counts 11 places in the county (7 incorporated, 4 census-designated); the largest is Millbrook, with about 17,189 residents, or 19% of the county.
Employment and commuting in Elmore County
By the Census industry count, 22% of employed Elmore County residents work in education and health care and 12% in manufacturing. The sharpest difference from the state is in public administration, at 10% locally and 6% for Alabama. ACS puts five-year average unemployment at 4.6% in Elmore County. About 84% drive to work alone and 16% have trips of 45 minutes or more.
| Where residents work | Elmore County | Difference from Alabama |
|---|---|---|
| Education and health care | 22.1% | -0.6 pts |
| Manufacturing | 11.7% | -2.4 pts |
| Retail trade | 11.1% | -0.5 pts |
| Public administration | 10.5% | +4.9 pts |
| Professional and administrative services | 9.8% | -0.3 pts |
| Arts, lodging and food service | 8.1% | 0.0 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
How much Elmore County households make
The median household income in Elmore County is $78,243; statewide it is $63,999, so Elmore County runs 22% above Alabama as a whole.
| Yearly household income | Elmore County | Gap to Alabama |
|---|---|---|
| Under $35,000 | 20.8% | -7.4 pts |
| $35,000 to $99,999 | 42.7% | +1.6 pts |
| $100,000 to $199,999 | 29.3% | +6.4 pts |
| $200,000 or more | 7.1% | -0.6 pts |
The spread is wide: 36% of Elmore County households make $100,000 or more, and 21% make less than $35,000. The poverty rate is 10.3%, 5 points lower than the state's 15.6%. The Gini index of income inequality is 0.433 (0 is perfect equality). If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Elmore County median.
What it costs to live in Elmore County
Renters in Elmore County pay a median of $1,071 a month, 6% above the Alabama figure of $1,007. By the Census definition, 45% of Elmore County renters are cost-burdened. Home values center on $223,900, or 2.9 years of median income. Owners occupy 77% of homes.
| Cost | Elmore County | Alabama figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $1,071/mo | $1,007/mo | $877/mo |
| Median home value | $223,900 | $209,900 | $185,300 |
| Owners | 77% | 70% | 75% |
| Rent-burdened renters | 45% | 49% | 45% |
| Burdened owners | 18% | 24% | n/a |
In an owner-heavy county like Elmore County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it.
The communities that make up Elmore County
Here are the 11 most populous of the county's 11 Census places, with income and rent from the same 2020 to 2024 survey. About 56% of Elmore County residents live in one of the 11. Redland has the highest median household income on the list ($130,278) and Elmore the lowest ($48,696), counting places with at least 500 residents. Rent is cheapest in Eclectic ($699) and steepest in Deatsville ($1,394). This guide covers each of the 11 places and the rural areas around them.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Millbrook | city | 17,189 | $70,313 | $1,111 | 15 mi |
| Wetumpka | city | 7,437 | $57,763 | $1,140 | 5 mi |
| Holtville | CDP | 5,158 | $76,652 | $954 | 11 mi |
| Tallassee | city | 5,134 | $66,752 | $964 | 15 mi |
| Redland | CDP | 4,982 | $130,278 | $909 | 8 mi |
| Emerald Mountain | CDP | 3,535 | $123,347 | n/a | 11 mi |
| Deatsville | town | 2,097 | $123,977 | $1,394 | 14 mi |
| Elmore | town | 1,517 | $48,696 | $986 | 12 mi |
| Blue Ridge | CDP | 1,190 | $128,482 | n/a | 7 mi |
| Eclectic | town | 1,141 | $49,904 | $699 | 7 mi |
| Coosada | town | 1,105 | $61,815 | $925 | 13 mi |
CDPs are unincorporated communities the Census Bureau defines for counting.
How Elmore County compares with nearby counties
The six counties whose centers lie closest to Elmore County's, from 24 to 38 miles away. None of the six report a higher median household income than Elmore County; Autauga County is highest at $72,481 and Macon County lowest at $43,707.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Elmore County | - | $78,243 | $1,071/mo | 77% |
| Coosa County, AL | 24 mi | $57,355 | $665/mo | 82% |
| Tallapoosa County, AL | 27 mi | $59,356 | $765/mo | 76% |
| Montgomery County, AL | 27 mi | $59,386 | $1,092/mo | 58% |
| Autauga County, AL | 30 mi | $72,481 | $1,263/mo | 77% |
| Macon County, AL | 30 mi | $43,707 | $734/mo | 62% |
| Chilton County, AL | 38 mi | $65,603 | $871/mo | 77% |
Room for a loan payment in Elmore County
How much room does a median Elmore County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- $6,520 a month: gross income for a household at the Elmore County median
- Housing at the median rent of $1,071 uses 16%
- Under a 40% cap, $2,608 total minus rent leaves $1,537
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Elmore County's.
Before borrowing in Elmore County
Based on the Elmore County data above, these borrowing questions are most likely to matter locally.
- 15% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- Tight rental budgets. With 45% of Elmore County renters cost-burdened, test a new payment against a lean month.
- Requirements. Lenders weigh credit history, documented income and existing debt (what to gather).
Elmore County residents: age, schooling, coverage
College graduates make up 25% of the adult population. The uninsured rate is 7.7%, against 9.2% for Alabama.
| People and households | Elmore County | Alabama | Median county |
|---|---|---|---|
| Median age | 39.5 | 39.3 | 41.5 |
| Bachelor's or higher | 25.4% | 28.4% | 22.2% |
| No high school diploma | 10.3% | 11.4% | n/a |
| No health insurance | 7.7% | 9.2% | 7.8% |
| No vehicle | 3.4% | 5.4% | 5.4% |
| Work from home | 7.3% | 8.8% | 8.7% |
| Poverty rate | 10.3% | 15.6% | 13.2% |
| Unemployment (ACS) | 4.6% | 4.7% | 4.4% |
| Commute length | Elmore County |
|---|---|
| Under 15 min | 16.2% |
| 15 to 29 min | 35.4% |
| 30 to 44 min | 32.8% |
| 45 to 59 min | 11.0% |
| 60+ min | 4.6% |
A Elmore County borrower's checklist
Before you apply, wherever you live in Elmore County:
- Write down what the expense costs; a smaller loan costs less.
- Compare the total repaid on every offer, not just the payment.
- Verify the Alabama license before giving out your Social Security number.
- Ask a Elmore County credit union about member loans.
Alabama rules that apply in Elmore County
Before sharing details with a lender, a Elmore County resident can confirm its license with 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 Elmore County
The Alabama guide covers the whole state.
Frequently asked questions
What is the median household income in Elmore County?
$78,243 a year in the 2020 to 2024 Census survey, versus $63,999 for Alabama. It ranks 5th of 67 in the state.
What do renters pay in Elmore County?
$1,071 a month at the median, about 16% of median household income.
Should Elmore County homeowners use home equity instead?
Maybe, but weigh the risk: 77% of Elmore County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
I live in a small Elmore County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Millbrook, Wetumpka, Holtville, Tallassee, Redland and 6 more.
Will a Elmore County address affect my match?
Beyond confirming Alabama as your state, no. Your answers about amount, credit, income and payments are all that count.