1st Advantage MortgageIn Montgomery County, Alabama, the typical household earns $59,386 a year and the typical rent is $1,092. Use those as context only. A lender looks at your own documented income and debts; compare APR and total repaid on every Montgomery County offer.
On this page
- Population and place: Montgomery County
- Renting and owning in Montgomery County
- Labor force snapshot: Montgomery County
- Montgomery County against other Alabama counties
- Earnings across Montgomery County households
- The counties around Montgomery County
- Places inside Montgomery County
- Age, degrees and coverage in Montgomery County
- Reading the Montgomery County data as a borrower
- Room for a loan payment in Montgomery County
- Before you sign
- Verifying a lender from Montgomery County
- Other Alabama guides
- Frequently asked questions
Population and place: Montgomery County
With an estimated 226,718 residents (ACS 2020 to 2024), Montgomery County ranks 7th of 67 in Alabama for population. Montgomery County spans 785 square miles; with 226,718 people, that is 288.7 per square mile. For statistical purposes it belongs to the Montgomery, AL metro area, as delineated by the Office of Management and Budget in July 2023. Largest place: Montgomery, about 197,494 residents (87% of Montgomery County); 2 Census places in all.
Renting and owning in Montgomery County
Half of Montgomery County renters pay more than $1,092 a month and half pay less; the Alabama midpoint is $1,007. About 5 in 10 Montgomery County renters pay 30% or more of income for rent. Montgomery County homes are worth $171,900 at the median, a 2.9-to-1 ratio to income. Homeowners 58%, renters 42%. Median construction year: 1979. Nationally, Montgomery County's $1,092 rent is 25% above the middle county.
| Home costs | Montgomery County | Alabama | Compared with Alabama |
|---|---|---|---|
| Median gross rent | $1,092/mo | $1,007/mo | 8% higher |
| Median home value | $171,900 | $209,900 | 18% lower |
| Owners | 58% | 70% | -12.4 pts |
| Rent-burdened renters | 53% | 49% | +4.6 pts |
| Burdened owners | 26% | 24% | +2.1 pts |
| Mobile homes | 3.9% | 12.3% | -8.3 pts |
Rent pressure is real here, so run any payment through the debt-to-income calculator before you apply.
Labor force snapshot: Montgomery County
Education and health care (22%), manufacturing (13%) and professional and administrative services (12%) lead Montgomery County's job mix. The sharpest difference from the state is in public administration, at 11% locally and 6% for Alabama. Averaged over the five survey years, 5.9% of the labor force was out of work and looking. Commutes of 45 minutes-plus: 7%; under 15 minutes: 27%.
| Industry | Share of Montgomery County workers | vs Alabama |
|---|---|---|
| Education and health care | 21.9% | -0.7 pts |
| Manufacturing | 13.2% | -0.9 pts |
| Professional and administrative services | 11.9% | +1.9 pts |
| Retail trade | 11.3% | -0.3 pts |
| Public administration | 10.8% | +5.3 pts |
| Arts, lodging and food service | 8.4% | +0.3 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Montgomery County against other Alabama counties
Where Montgomery County lands at the extremes of Alabama's county rankings:
- Homeownership: 58% in Montgomery County, the lowest of 67 in Alabama. In a renter-heavy county, unsecured loans and cards are the main options.
- Montgomery County ranks 2nd lowest of 67 Alabama counties for the share of commutes over 45 minutes: 7%, against 15% statewide. Less driving means fewer surprise repair bills.
- On the share of mobile homes, Montgomery County sits near the bottom of Alabama at 3.9%, 3rd lowest of 67. Site-built housing dominates, which matters for equity-based credit.
Earnings across Montgomery County households
Half of Montgomery County households take in less than $59,386 a year and half take in more, 7% below the Alabama median of $63,999.
| Income band | Share in Montgomery County | Difference from Alabama |
|---|---|---|
| Under $35,000 | 30.4% | +2.2 pts |
| $35,000 to $99,999 | 42.6% | +1.4 pts |
| $100,000 to $199,999 | 20.5% | -2.4 pts |
| $200,000 or more | 6.5% | -1.3 pts |
30% under $35,000 and 27% at $100,000 or more: that is the Montgomery County income split. Montgomery County counts about 45,208 residents below the poverty line, 19.9% of the population. Income inequality, measured by the Gini index, comes to 0.492 here. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
The counties around Montgomery County
Nearest neighbors first, measured between county centers (26 to 33 miles). Richest neighbor: Elmore County, $78,243. Poorest: Bullock County, $31,310. Montgomery County: $59,386.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Montgomery County | - | $59,386 | $1,092/mo | 58% |
| Lowndes County, AL | 26 mi | $37,052 | $710/mo | 78% |
| Elmore County, AL | 27 mi | $78,243 | $1,071/mo | 77% |
| Bullock County, AL | 29 mi | $31,310 | $556/mo | 67% |
| Pike County, AL | 32 mi | $48,677 | $856/mo | 61% |
| Macon County, AL | 32 mi | $43,707 | $734/mo | 62% |
| Crenshaw County, AL | 33 mi | $48,560 | $661/mo | 73% |
Places inside Montgomery County
2 Census places fall mainly inside Montgomery County; the 2 biggest are below. They account for 208,068 residents, leaving about 8% of the county in unincorporated, unnamed areas. No Montgomery County place has a separate guide yet; this county page serves all 2.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Montgomery | city | 197,494 | $56,811 | $1,089 | 11 mi |
| Pike Road | city | 10,574 | $117,091 | $1,653 | 7 mi |
Age, degrees and coverage in Montgomery County
34% of Montgomery County adults 25 and older hold a bachelor's degree or more. About 10% go without health insurance.
| People and households | Montgomery County | Compared with Alabama | Compared with median county |
|---|---|---|---|
| Bachelor's or higher | 34.5% | +6.1 pts | +12.3 pts |
| Poverty rate | 19.9% | +4.3 pts | +6.8 pts |
| Median age | 37.1 | -2.2 yrs | -4.4 yrs |
| Unemployment (ACS) | 5.9% | +1.2 pts | +1.5 pts |
| No vehicle | 6.6% | +1.2 pts | +1.1 pts |
| No health insurance | 10.3% | +1.1 pts | +2.5 pts |
| Work from home | 8.0% | -0.8 pts | -0.6 pts |
| No high school diploma | 10.8% | -0.6 pts | n/a |
| Commute length | Montgomery County |
|---|---|
| Under 15 min | 26.7% |
| 15 to 29 min | 50.7% |
| 30 to 44 min | 15.3% |
| 45 to 59 min | 4.1% |
| 60+ min | 3.3% |
Reading the Montgomery County data as a borrower
Where the Montgomery County numbers stand out, and why it matters for a loan:
- Hospital bills in Montgomery County. For the 10% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Free help first. 20% of residents live below the poverty line; utility, rent and food programs cost nothing to repay (free options).
- 53% rent-burdened. A payment on top of high rent needs a cushion; size it with the calculator.
Room for a loan payment in Montgomery County
Montgomery County's $59,386 median income, run through a debt-to-income check:
- Monthly gross at the median, Montgomery County: $4,949
- 22% goes to median rent ($1,092)
- At 35%, room after rent is $640 a month
- Under a 45% cap, $2,227 total minus rent leaves $1,135
Two-income households and single earners in Montgomery County land in very different places on this math, so run it for your own budget.
Before you sign
Four checks before you sign anything:
- Price the Montgomery County expense first and borrow that amount, no more.
- Collect three written offers and compare APR and total repaid.
- Verify the Alabama license before giving out your Social Security number.
- Read the final agreement; it must match the offer.
Verifying a lender from Montgomery County
Before sharing details with a lender, a Montgomery County resident can confirm its license with the Alabama State Banking Department. A CFPB complaint gets forwarded to the company for a response. State-level detail for Montgomery County borrowers is in the Alabama guide.
Other Alabama guides
Next step up from Montgomery County:
Frequently asked questions
Is Montgomery County a high-income county?
Its $59,386 median ranks 22nd of 67 Alabama counties and compares with $65,681 for the median U.S. county.
Can a Montgomery County renter afford a loan payment?
At the $1,092 median rent and $4,949 median monthly income, rent alone uses 22%; add other debts before a new payment.
What are the biggest places in Montgomery County?
By population: Montgomery, Pike Road. The county has 2 Census places in all.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Montgomery County or elsewhere in Alabama, the same rules apply.
Who do I complain to about a lender in Montgomery County?
Start with the Alabama State Banking Department, then the CFPB complaint portal. Keep copies of every message.