1st Advantage MortgageAbout 76% of Tallapoosa County homes are owner-occupied, and the median household income is $59,356. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Tallapoosa County, AL: the basics
- Renting and owning in Tallapoosa County
- What Tallapoosa County households earn
- How Tallapoosa County residents earn a living
- The communities that make up Tallapoosa County
- The counties around Tallapoosa County
- A Tallapoosa County household budget, worked through
- More Tallapoosa County figures
- Reading the Tallapoosa County data as a borrower
- Alabama rules that apply in Tallapoosa County
- Four steps for Tallapoosa County borrowers
- Related local guides
- Frequently asked questions
Tallapoosa County, AL: the basics
Tallapoosa County is home to about 40,938 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 30th most populous of 67 county-level areas in Alabama. Packed into 717 square miles, that is close to 57 residents for every square mile of land. No metropolitan area includes Tallapoosa County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Of the 10 Census places inside Tallapoosa County, Alexander City leads by population with about 14,606; 7 of the 10 are incorporated.
Renting and owning in Tallapoosa County
Median gross rent, utilities included, comes to $765 in Tallapoosa County versus $1,007 statewide. Rent takes 30% or more of income for 36% of renter households here. Home values center on $158,500, or 2.7 years of median income. 76% of Tallapoosa County households own their home and 24% rent. Median construction year: 1985.
| Cost | Tallapoosa County | Alabama figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $765/mo | $1,007/mo | $877/mo |
| Median home value | $158,500 | $209,900 | $185,300 |
| Owners | 76% | 70% | 75% |
| Rent-burdened renters | 36% | 49% | 45% |
| Burdened owners | 21% | 24% | n/a |
| Mobile homes | 16.2% | 12.3% | n/a |
In an owner-heavy county like Tallapoosa 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.
What Tallapoosa County households earn
The median household income in Tallapoosa County is $59,356; statewide it is $63,999, so Tallapoosa County runs 7% below Alabama as a whole.
| Band | Tallapoosa County | Compared with Alabama |
|---|---|---|
| Under $35,000 | 31.9% | +3.6 pts |
| $35,000 to $99,999 | 44.2% | +3.1 pts |
| $100,000 to $199,999 | 18.6% | -4.3 pts |
| $200,000 or more | 5.4% | -2.4 pts |
Some 32% of households here live on less than $35,000 a year; 24% have six-figure incomes. Census counts 16.3% of Tallapoosa County residents in poverty, against 15.6% across Alabama. The Gini index of income inequality is 0.477 (0 is perfect equality). None of these numbers decides a Tallapoosa County application. Lenders weigh your own documented income against your own debts.
How Tallapoosa County residents earn a living
Education and health care employs 27% of working residents, the largest share; manufacturing is next with 17%. Education and health care stands out: 27% of workers here, versus 23% statewide. The survey's unemployment rate for Tallapoosa County averages 4.9% over 2020 to 2024 (state: 4.7%). About 84% drive to work alone and 17% have trips of 45 minutes or more. Households without a car make up 5.8% of the total (5.4% statewide).
| Sector | Tallapoosa County | Compared with Alabama |
|---|---|---|
| Education and health care | 26.9% | +4.2 pts |
| Manufacturing | 17.1% | +3.0 pts |
| Retail trade | 11.4% | -0.2 pts |
| Construction | 7.6% | +0.6 pts |
| Professional and administrative services | 7.6% | -2.5 pts |
| Arts, lodging and food service | 6.5% | -1.6 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
The communities that make up Tallapoosa County
The table lists the 10 largest of 10 Census places in Tallapoosa County, by population. Together all 10 hold about 22,444 people, so roughly 45% of residents live outside any named place. Among places of 500 or more people, median income runs from $31,833 in Camp Hill to $83,523 in Reeltown. Median rent ranges from $600 in Camp Hill to $1,110 in Dadeville. None of the 10 has its own city guide, so this page covers all of them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Alexander City | city | 14,606 | $47,022 | $721 | 9 mi |
| Dadeville | city | 2,993 | $67,147 | $1,110 | 3 mi |
| Camp Hill | town | 1,238 | $31,833 | $600 | 10 mi |
| Reeltown | CDP | 980 | $83,523 | n/a | 20 mi |
| Jacksons' Gap | town | 786 | $32,228 | $736 | 2 mi |
| New Site | town | 750 | $61,250 | $608 | 11 mi |
| Hackneyville | CDP | 471 | n/a | n/a | 15 mi |
| Our Town | CDP | 372 | n/a | n/a | 10 mi |
| Daviston | town | 193 | n/a | n/a | 16 mi |
| Goldville | town | 55 | $48,750 | n/a | 15 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
The counties around Tallapoosa County
Chambers County is closest, 24 miles from center to center; the sixth, Macon County, is 33 miles off. Income ranges from $43,707 in Macon County to $78,243 in Elmore County; 2 of these neighbors top Tallapoosa County's median.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Tallapoosa County | - | $59,356 | $765/mo | 76% |
| Chambers County, AL | 24 mi | $49,656 | $871/mo | 72% |
| Coosa County, AL | 26 mi | $57,355 | $665/mo | 82% |
| Elmore County, AL | 27 mi | $78,243 | $1,071/mo | 77% |
| Clay County, AL | 28 mi | $55,250 | $619/mo | 79% |
| Lee County, AL | 32 mi | $65,824 | $1,058/mo | 66% |
| Macon County, AL | 33 mi | $43,707 | $734/mo | 62% |
A Tallapoosa County household budget, worked through
Tallapoosa County at the medians, through a lender's eyes (what DTI means):
- Monthly gross at the median, Tallapoosa County: $4,946
- Housing at the median rent of $765 uses 15%
- With a 36% ceiling, about $1,016 remains for car, card, student and any new loan payments
- 43% debt-to-income limit: $1,362 left for all other debt payments
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Tallapoosa County's.
More Tallapoosa County figures
College graduates make up 20% of the adult population. 8.4% of residents have no health coverage.
| People and households | Tallapoosa County | Alabama | Median county |
|---|---|---|---|
| Median age | 45.6 | 39.3 | 41.5 |
| Bachelor's or higher | 20.3% | 28.4% | 22.2% |
| No high school diploma | 12.9% | 11.4% | n/a |
| No health insurance | 8.4% | 9.2% | 7.8% |
| No vehicle | 5.8% | 5.4% | 5.4% |
| Work from home | 5.3% | 8.8% | 8.7% |
| Poverty rate | 16.3% | 15.6% | 13.2% |
| Unemployment (ACS) | 4.9% | 4.7% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 34.4% |
| 15 to 29 min | 29.6% |
| 30 to 44 min | 19.3% |
| 45 to 59 min | 9.7% |
| 60+ min | 7.0% |
Reading the Tallapoosa County data as a borrower
Based on the Tallapoosa County data above, these borrowing questions are most likely to matter locally.
- Manufactured homes. 16% of Tallapoosa County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Retirees. At a median age of 45.6, many borrowers here rely on award letters as proof of income; favor no prepayment penalty.
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
Alabama rules that apply in Tallapoosa County
Licensing happens at the state level, so a lender working with Tallapoosa County borrowers answers to the Alabama State Banking Department. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. See the Alabama state guide for the statewide picture.
Four steps for Tallapoosa County borrowers
Steps that save money for Tallapoosa County residents:
- Price the Tallapoosa County expense first and borrow that amount, no more.
- Ask each lender for the APR and all fees in writing.
- Only work with lenders licensed for Alabama borrowers.
- Never pay a fee up front to get a loan.
Related local guides
For statewide rules and data, see the Alabama guide.
Frequently asked questions
What is the median household income in Tallapoosa County?
$59,356 a year in the 2020 to 2024 Census survey, versus $63,999 for Alabama. It ranks 23rd of 67 in the state.
How does Tallapoosa County rent compare with Alabama?
$765 locally versus $1,007 for the state, 24% below.
Should Tallapoosa County homeowners use home equity instead?
Maybe, but weigh the risk: 76% of Tallapoosa County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
Which towns does the Tallapoosa County guide cover?
Every community in the county, unincorporated areas included. The largest of its 10 Census places: Alexander City, Dadeville, Camp Hill, Reeltown, Jacksons' Gap.
Does living in Tallapoosa 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 Tallapoosa County resident as anyone. Lenders decide under fair-lending law.