1st Advantage MortgageIn Lowndes County, Alabama, the typical household earns $37,052 a year and the typical rent is $710. 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
- A quick profile of Lowndes County
- Jobs and commutes in Lowndes County
- What Lowndes County households earn
- Lowndes County housing compared with Alabama
- The communities that make up Lowndes County
- The counties around Lowndes County
- Lowndes County households compared
- Before borrowing in Lowndes County
- Debt-to-income at Lowndes County's medians
- Lender oversight for Lowndes County
- A Lowndes County borrower's checklist
- Related local guides
- Frequently asked questions
A quick profile of Lowndes County
Roughly 9,833 residents live in Lowndes County, Alabama, 65th by population among the state's 67 counties and county equivalents. It covers 716 square miles of land, or about 14 people per square mile. The federal metro definitions (OMB, July 2023) place it in the Montgomery, AL metropolitan area. Of the 7 Census places inside Lowndes County, Fort Deposit leads by population with about 1,525; 7 of the 7 are incorporated. With so few households sampled, Lowndes County estimates can move a lot between releases.
Jobs and commutes in Lowndes County
The biggest employer of Lowndes County residents, by industry, is manufacturing at 28% of workers, followed by education and health care (19%). Manufacturing stands out: 28% of workers here, versus 14% statewide. The survey's unemployment rate for Lowndes County averages 6.8% over 2020 to 2024 (state: 4.7%). Long commutes are common here: 26% of workers spend 45 minutes or longer getting to work.
| Industry | Share of Lowndes County workers | vs Alabama |
|---|---|---|
| Manufacturing | 28.5% | +14.4 pts |
| Education and health care | 19.5% | -3.2 pts |
| Agriculture, forestry and mining | 8.0% | +6.7 pts |
| Transportation, warehousing and utilities | 7.8% | +1.9 pts |
| Retail trade | 7.1% | -4.5 pts |
| Public administration | 6.8% | +1.2 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.
What Lowndes County households earn
At $37,052, the typical Lowndes County household income is 44% below the median U.S. county ($65,681).
| Band | Lowndes County | Compared with Alabama |
|---|---|---|
| Under $35,000 | 46.9% | +18.7 pts |
| $35,000 to $99,999 | 36.7% | -4.4 pts |
| $100,000 to $199,999 | 13.9% | -9.0 pts |
| $200,000 or more | 2.5% | -5.3 pts |
Some 47% of households here live on less than $35,000 a year; 16% have six-figure incomes. The poverty rate is 29.9%, 14 points higher than the state's 15.6%. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Lowndes County housing compared with Alabama
Median gross rent, utilities included, comes to $710 in Lowndes County versus $1,007 statewide. 54% of renting households spend 30% or more of income on rent, and 27% spend half or more. With a median value of $86,300, a typical Lowndes County house costs 2.3 times what the median household earns in a year. Owners occupy 78% of homes. The median year built is 1991.
| Measure | Lowndes County | Alabama | Median U.S. county |
|---|---|---|---|
| Median gross rent | $710/mo | $1,007/mo | $877/mo |
| Median home value | $86,300 | $209,900 | $185,300 |
| Owners | 78% | 70% | 75% |
| Rent-burdened renters | 54% | 49% | 45% |
| Burdened owners | 44% | 24% | n/a |
| Mobile homes | 37.4% | 12.3% | n/a |
Because most Lowndes County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral. Rent pressure is real here, so run any payment through the debt-to-income calculator before you apply.
The communities that make up Lowndes County
7 Census places fall mainly inside Lowndes County; the 7 biggest are below. They account for 4,329 residents, leaving about 56% of the county in unincorporated, unnamed areas. Hayneville has the highest median household income on the list ($37,723) and Fort Deposit the lowest ($21,563), counting places with at least 500 residents. Rent is cheapest in Fort Deposit ($467) and steepest in White Hall ($877). None of the 7 has its own city guide, so this page covers all of them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Fort Deposit | town | 1,525 | $21,563 | $467 | 12 mi |
| White Hall | town | 875 | $34,375 | $877 | 11 mi |
| Mosses | town | 836 | $26,568 | $528 | 3 mi |
| Hayneville | town | 716 | $37,723 | $819 | 5 mi |
| Gordonville | town | 275 | $41,528 | n/a | 3 mi |
| Lowndesboro | town | 70 | n/a | n/a | 9 mi |
| Benton | town | 32 | $46,750 | n/a | 15 mi |
The counties around Lowndes County
Montgomery County is closest, 26 miles from center to center; the sixth, Wilcox County, is 40 miles off. Income ranges from $35,627 in Dallas County to $72,481 in Autauga County; 5 of these neighbors top Lowndes County's median.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Lowndes County | - | $37,052 | $710/mo | 78% |
| Montgomery County, AL | 26 mi | $59,386 | $1,092/mo | 58% |
| Autauga County, AL | 27 mi | $72,481 | $1,263/mo | 77% |
| Butler County, AL | 27 mi | $44,755 | $725/mo | 66% |
| Dallas County, AL | 30 mi | $35,627 | $733/mo | 64% |
| Crenshaw County, AL | 35 mi | $48,560 | $661/mo | 73% |
| Wilcox County, AL | 40 mi | $40,640 | $745/mo | 77% |
Lowndes County households compared
College graduates make up 14% of the adult population. The uninsured rate is 7.6%, against 9.2% for Alabama.
| Measure | Lowndes County | Alabama statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 42.7 | 39.3 | 41.5 |
| Bachelor's or higher | 14.4% | 28.4% | 22.2% |
| No high school diploma | 17.4% | 11.4% | n/a |
| No health insurance | 7.6% | 9.2% | 7.8% |
| No vehicle | 8.8% | 5.4% | 5.4% |
| Work from home | 4.5% | 8.8% | 8.7% |
| Poverty rate | 29.9% | 15.6% | 13.2% |
| Unemployment (ACS) | 6.8% | 4.7% | 4.4% |
| Commute length | Lowndes County |
|---|---|
| Under 15 min | 17.0% |
| 15 to 29 min | 24.4% |
| 30 to 44 min | 32.2% |
| 45 to 59 min | 18.0% |
| 60+ min | 8.4% |
Before borrowing in Lowndes County
What the Lowndes County figures suggest, and what to check first:
- Vehicle repairs. 26% of Lowndes County workers commute 45+ minutes, so a breakdown can cost a paycheck. Get two written estimates.
- Manufactured homes. 37% of Lowndes County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Lower-cost alternatives. In a county with 30% in poverty, nonprofit credit counseling may beat a loan (options).
- Tight rental budgets. With 54% of Lowndes County renters cost-burdened, test a new payment against a lean month.
Debt-to-income at Lowndes County's medians
How much room does a median Lowndes County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- $3,088 a month: gross income for a household at the Lowndes County median
- Housing at the median rent of $710 uses 23%
- $618: what a 43% ratio leaves once rent is paid
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Lowndes County's.
Lender oversight for Lowndes County
Lowndes County borrowers fall under statewide rules, enforced by the Alabama State Banking Department. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. The Alabama guide covers state rules in more detail.
A Lowndes County borrower's checklist
Four checks before you sign anything:
- Size the loan to the bill, not to the most a lender offers.
- Ask each lender for the APR and all fees in writing.
- Confirm the lender is licensed in Alabama.
- Keep a small cushion so one surprise bill does not mean another loan.
Related local guides
For statewide rules and data, see the Alabama guide.
Frequently asked questions
Is Lowndes County a high-income county?
Its $37,052 median ranks 63rd of 67 Alabama counties and compares with $65,681 for the median U.S. county.
How much is rent in Lowndes County?
Median gross rent, utilities included, is $710 a month; 54% of renters spend 30% or more of income on it.
Should Lowndes County homeowners use home equity instead?
Maybe, but weigh the risk: 78% of Lowndes County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
Does this page cover Fort Deposit?
Yes, along with the other 6 Census places in Lowndes County, such as White Hall, Mosses, Hayneville.
Is the fit check different in Lowndes County?
No. It is identical everywhere, and it never looks at your neighborhood.