Alabama
Last checked 2026-07-10
141
Designated tracts (of 563 eligible)
65
Rural designated — QROF treatment
72
Former OZ 1.0 tracts redesignated
57
Days until designations take effect
How Alabama chose
Treasury published the final list on October 30, 2026. Alabama designated 141 of 563 eligible tracts, its full allocation, in 66 of 66 counties with eligible tracts. Designations take effect January 1, 2027 and run through December 31, 2036.
Compared with the eligible tracts it passed over, Alabama favored former OZ 1.0 tracts, renter-heavy tracts and Urban Institute Tier 1 tracts.
| Trait | Designated | Passed over |
|---|---|---|
| Former OZ 1.0 tract | 51.1% | 14.9% |
| Rural (QROF) | 46.1% | 56.2% |
| Urban Institute Tier 1 | 18.4% | 10.7% |
| Median poverty rate | 28.4% | 25.8% |
| Median family income, % of area | 64.7% | 65.8% |
| Residents of color (mean) | 61.4% | 56.7% |
| Median density, people / sq mi | 768 | 562 |
Poverty and income: Treasury's own eligibility figures (ACS 2020–2024). Demographics: ACS 2020–2024. Former OZ 1.0 = at least half the tract's land area was in a 2018 QOZ. How every state compares →
Record: how Alabama ran its nomination input process
Nomination process
Community input window closed 2026-07-31. The state is now in internal review.
Map: designated and eligible tracts
Loading 563 eligible tracts…
Designated tracts by county
The county is usually the first local partner on an OZ deal — zoning, infrastructure, incentives. CDEs listed are New Markets Tax Credit allocatees that have already financed deals inside this county's designated tracts: the organizations with a working track record of underwriting there.
| County | Designated / eligible | Rural | OZ 1.0 kept / lost | Residents | NMTC CDEs active in designated tracts |
|---|---|---|---|---|---|
| Jefferson County | 25 / 85 | 1 | 10 / 23 | 66,706 | Advantage Capital Community Development Fund, LLC; Cahaba Community Development, LLC; Greystone CDE LLC; HFHI-SA NMTC I, LLC; Hope Enterprise Corporation; PNC Community Partners, Inc. |
| Madison County | 10 / 26 | — | 8 / 4 | 44,661 | Pathway Lending CDE, LLC; Stonehenge Community Development, LLC; Urban Development Fund, LLC |
| Mobile County | 10 / 54 | — | 6 / 8 | 24,609 | Hancock Whitney New Markets Fund, LLC; Liberty Bank and Trust Company; MuniStrategies, LLC; National Community Investment Fund; National New Markets Tax Credit Fund, Inc.; Southern Community Capital, LLC; UB Community Development, LLC |
| Montgomery County | 10 / 34 | — | 7 / 7 | 19,280 | Nonprofit Finance Fund |
| Tuscaloosa County | 10 / 25 | — | 8 / 6 | 30,811 | Advantage Capital Community Development Fund, LLC |
| Morgan County | 5 / 7 | 1 | 1 / 0 | 20,292 | — |
| Lee County | 4 / 21 | — | 1 / 13 | 12,604 | — |
| Baldwin County | 3 / 4 | 3 | 1 / 6 | 18,856 | Hancock Whitney New Markets Fund, LLC |
| Houston County | 3 / 10 | — | 0 / 1 | 7,252 | Eclypse Development Partners I, LLC |
| Colbert County | 2 / 6 | 2 | 0 / 1 | 4,883 | — |
| Lauderdale County | 2 / 7 | 2 | 1 / 2 | 5,660 | — |
| Macon County | 2 / 11 | 2 | 0 / 3 | 3,974 | — |
| Marshall County | 2 / 6 | 2 | 0 / 2 | 10,402 | — |
| Autauga County | 1 / 2 | 1 | 1 / 0 | 3,184 | — |
| Barbour County | 1 / 7 | 1 | 0 / 1 | 2,223 | — |
| Bibb County | 1 / 4 | 1 | 0 / 2 | 2,654 | — |
| Blount County | 1 / 4 | 1 | 0 / 2 | 4,653 | — |
| Bullock County | 1 / 4 | 1 | 1 / 1 | 2,207 | — |
| Butler County | 1 / 6 | 1 | 0 / 1 | 1,707 | — |
| Calhoun County | 1 / 16 | 1 | 1 / 2 | 4,794 | — |
| Chambers County | 1 / 6 | 1 | 0 / 1 | 4,004 | — |
| Cherokee County | 1 / 2 | 1 | 0 / 1 | 3,085 | — |
| Chilton County | 1 / 1 | 1 | 1 / 1 | 3,320 | — |
| Choctaw County | 1 / 2 | 1 | 0 / 1 | 2,030 | — |
| Clarke County | 1 / 5 | 1 | 1 / 0 | 3,509 | — |
| Clay County | 1 / 2 | 1 | 1 / 0 | 2,987 | — |
| Coffee County | 1 / 7 | 1 | 1 / 0 | 2,941 | — |
| Conecuh County | 1 / 4 | 1 | 1 / 0 | 2,632 | — |
| Coosa County | 1 / 1 | 1 | 1 / 0 | 3,366 | — |
| Covington County | 1 / 7 | 1 | 0 / 2 | 1,592 | — |
| Crenshaw County | 1 / 2 | 1 | 1 / 0 | 3,177 | — |
| Cullman County | 1 / 4 | 1 | 1 / 2 | 4,664 | — |
| Dale County | 1 / 6 | 1 | 0 / 1 | 4,306 | — |
| Dallas County | 1 / 15 | 1 | 1 / 0 | 1,776 | — |
| DeKalb County | 1 / 13 | 1 | 0 / 1 | 2,784 | — |
| Elmore County | 1 / 3 | 1 | 1 / 2 | 3,563 | — |
| Escambia County | 1 / 6 | 1 | 0 / 1 | 3,677 | PNC Community Partners, Inc. |
| Etowah County | 1 / 13 | 1 | 1 / 0 | 2,515 | — |
| Fayette County | 1 / 3 | 1 | 0 / 1 | 4,055 | — |
| Franklin County | 1 / 7 | 1 | 0 / 3 | 4,617 | — |
| Geneva County | 1 / 2 | 1 | 1 / 0 | 5,558 | — |
| Greene County | 1 / 4 | 1 | 1 / 0 | 2,014 | — |
| Hale County | 1 / 3 | 1 | 1 / 1 | 1,578 | — |
| Henry County | 1 / 2 | 1 | 1 / 0 | 3,134 | UB Community Development, LLC |
| Jackson County | 1 / 7 | 1 | 1 / 1 | 2,416 | — |
| Lamar County | 1 / 2 | 1 | 1 / 1 | 2,989 | — |
| Lawrence County | 1 / 2 | 1 | 0 / 1 | 2,491 | — |
| Limestone County | 1 / 8 | 1 | 1 / 2 | 2,736 | — |
| Lowndes County | 1 / 3 | 1 | 0 / 1 | 2,643 | — |
| Marengo County | 1 / 6 | 1 | 1 / 1 | 3,768 | — |
| Marion County | 1 / 5 | 1 | 1 / 2 | 2,005 | — |
| Monroe County | 1 / 5 | 1 | 1 / 0 | 3,051 | AMCREF Community Capital, LLC; National Community Investment Fund; UB Community Development, LLC; United Bancorporation of Alabama, Inc |
| Perry County | 1 / 3 | 1 | 0 / 2 | 2,718 | — |
| Pickens County | 1 / 3 | 1 | 0 / 1 | 2,165 | — |
| Pike County | 1 / 4 | 1 | 1 / 1 | 3,359 | — |
| Randolph County | 1 / 3 | 1 | 0 / 1 | 3,540 | — |
| Russell County | 1 / 8 | — | 1 / 0 | 1,661 | — |
| Shelby County | 1 / 2 | 1 | 0 / 1 | 2,532 | — |
| St. Clair County | 1 / 4 | 1 | 0 / 2 | 2,286 | — |
| Sumter County | 1 / 4 | 1 | 1 / 1 | 2,942 | — |
| Talladega County | 1 / 12 | 1 | 1 / 0 | 3,271 | — |
| Tallapoosa County | 1 / 4 | 1 | 0 / 2 | 1,834 | — |
| Walker County | 1 / 11 | 1 | 0 / 1 | 2,674 | — |
| Washington County | 1 / 1 | 1 | 1 / 0 | 4,196 | Mid-City Community CDE, LLC |
| Wilcox County | 1 / 4 | 1 | 0 / 1 | 2,496 | — |
| Winston County | 1 / 3 | 1 | 0 / 1 | 1,983 | UB Community Development, LLC; Urban Development Fund, LLC |
Counties with no designated tracts are listed only if they lost OZ 1.0 tracts. NMTC: CDFI Fund NMTC public data release. 21 distinct CDEs across Alabama's designated tracts.
Find projects and partners in the designated tracts
Every designated tract in Alabama, tagged by the signals that point to a project type or a partner. Pick tags to narrow the list — a tract must carry every tag selected. Tags are simple published rules, not a score; hover a tag for its definition.
141 of 141 tracts shown
Download all eligible tracts, national (CSV) →| Tract | County | Pov. | MFI | Pop. | Rent. | Vac. | Signals | Prior NMTC CDEs |
|---|---|---|---|---|---|---|---|---|
| 01001020700 Prichard | Autauga County | 21.1% | 67% | 3,184 | 19.7% | 18.1% | Rural / QROFFormer OZ 1.0CRA-eligibleHigh vacancyUI Tier 1 | — |
| 01003010600 | Baldwin County | 37.5% | 48.3% | 3,988 | 35.3% | 11.8% | Rural / QROFFormer OZ 1.0NMTC track recordCRA-eligible | Hancock Whitney New Markets Fund, LLC |
| 01003010903 Montgomery | Baldwin County | 13.6% | 63.9% | 7,971 | 21.8% | 6.6% | Rural / QROF | — |
| 01003011411 | Baldwin County | 15.6% | 69% | 6,897 | 38.2% | 15.8% | Rural / QROFHigh vacancy | — |
| 01005950800 | Barbour County | 21.6% | 51.5% | 2,223 | 34.4% | 13.8% | Rural / QROFCRA-eligiblePersistent poverty | — |
| 01007010008 Montgomery | Bibb County | 22.1% | 93.5% | 2,654 | 11.9% | 4.2% | Rural / QROF | — |
| 01009050105 Opp | Blount County | 21.8% | 73.3% | 4,653 | 42% | 7.9% | Rural / QROF | — |
| 01011952201 | Bullock County | 42.1% | 54% | 2,207 | 42% | 17.7% | Rural / QROFFormer OZ 1.0CRA-eligibleHigh vacancyPersistent poverty | — |
| 01013952900 | Butler County | 28.4% | 89.9% | 1,707 | 44.5% | 28.2% | Rural / QROFCRA-eligibleHigh vacancyPersistent poverty | — |
| 01015002101 | Calhoun County | 51.4% | 75.9% | 4,794 | 89.7% | 24.6% | Rural / QROFFormer OZ 1.0CRA-eligibleHousing pressureHigh vacancy | — |
| 01017954002 | Chambers County | 23.9% | 55.6% | 4,004 | 34% | 15.9% | Rural / QROFCRA-eligibleHigh vacancy | — |
| 01019955701 Gadsden | Cherokee County | 22.8% | 66.2% | 3,085 | 21.3% | 37.9% | Rural / QROFCRA-eligibleHigh vacancy | — |
| 01021060104 | Chilton County | 21.8% | 77.8% | 3,320 | 36.2% | 0% | Rural / QROFFormer OZ 1.0 | — |
| 01023956700 | Choctaw County | 22% | 89.4% | 2,030 | 14.1% | 35.8% | Rural / QROFCRA-eligibleHigh vacancyPersistent poverty | — |
| 01025957902 Huntsville | Clarke County | 20.7% | 71.3% | 3,509 | 30.8% | 26.5% | Rural / QROFFormer OZ 1.0CRA-eligibleHigh vacancyPersistent poverty | — |
| 01027959000 | Clay County | 21.7% | 64.8% | 2,987 | 32.2% | 12.6% | Rural / QROFFormer OZ 1.0CRA-eligible | — |
| 01031010900 MaChis Lower Creek SDTSA | Coffee County | 41.9% | 59.6% | 2,941 | 41.9% | 11.6% | Rural / QROFFormer OZ 1.0TribalUI Tier 1 | — |
| 01033020100 | Colbert County | 27.2% | 55.8% | 3,445 | 23.5% | 12.4% | Rural / QROFCRA-eligible | — |
| 01033020705 Mobile | Colbert County | 23.4% | 98% | 1,438 | 51.8% | 21.8% | Rural / QROFCRA-eligibleHousing pressureHigh vacancy | — |
| 01035960400 Auburn | Conecuh County | 32.3% | 58.7% | 2,632 | 25.2% | 24.8% | Rural / QROFFormer OZ 1.0CRA-eligibleHigh vacancyUI Tier 1Persistent poverty | — |
| 01037961000 | Coosa County | 22.8% | 67.5% | 3,366 | 34.9% | 21.9% | Rural / QROFFormer OZ 1.0CRA-eligibleHigh vacancy | — |
| 01039962500 Crossville | Covington County | 22.7% | 73% | 1,592 | 21.4% | 22.9% | Rural / QROFCRA-eligibleHigh vacancy | — |
| 01041963700 Southeastern Mvskoke Nation SDTSA | Crenshaw County | 20.1% | 65.9% | 3,177 | 44.4% | 18% | Rural / QROFFormer OZ 1.0CRA-eligibleTribalHigh vacancy | — |
| 01043965002 | Cullman County | 38.6% | 80.5% | 4,664 | 42.8% | 5.9% | Rural / QROFFormer OZ 1.0 | — |
| 01045020802 Montgomery | Dale County | 20.6% | 87.7% | 4,306 | 29.2% | 6% | Rural / QROF | — |
| 01047956500 | Dallas County | 31.7% | 118.2% | 1,776 | 50.2% | 27.5% | Rural / QROFFormer OZ 1.0CRA-eligibleHousing pressureHigh vacancyPersistent poverty | — |
| 01049961100 | DeKalb County | 23.8% | 85.5% | 2,784 | 29% | 16.7% | Rural / QROFHigh vacancy | — |
| 01051031002 Birmingham | Elmore County | 10.7% | 69.8% | 3,563 | 43.5% | 3.5% | Rural / QROFFormer OZ 1.0 | — |
| 01053970700 | Escambia County | 21.5% | 88.7% | 3,677 | 37.1% | 21.9% | Rural / QROFNMTC track recordCRA-eligibleHigh vacancyPersistent poverty | PNC Community Partners, Inc. $2.5M · 1 deal |
| 01055001200 | Etowah County | 25.7% | 89.2% | 2,515 | 52.6% | 31.3% | Rural / QROFFormer OZ 1.0Housing pressureHigh vacancy | — |
| 01057020200 Birmingham | Fayette County | 31.4% | 64.8% | 4,055 | 28.3% | 20.7% | Rural / QROFCRA-eligibleHigh vacancy | — |
| 01059972900 | Franklin County | 21.5% | 80.2% | 4,617 | 28.4% | 11.4% | Rural / QROFCRA-eligibleUI Tier 1 | — |
| 01061050300 | Geneva County | 23.4% | 69.5% | 5,558 | 23.4% | 9.2% | Rural / QROFFormer OZ 1.0CRA-eligible | — |
| 01063060200 | Greene County | 26.3% | 69.3% | 2,014 | 32.6% | 30.6% | Rural / QROFFormer OZ 1.0CRA-eligibleHigh vacancyPersistent poverty | — |
| 01065040402 | Hale County | 56.1% | 47.6% | 1,578 | 56.2% | 21.6% | Rural / QROFFormer OZ 1.0Housing pressureHigh vacancyPersistent poverty | — |
| 01067030200 | Henry County | 24% | 65% | 3,134 | 31.6% | 25.1% | Rural / QROFFormer OZ 1.0NMTC track recordHigh vacancy | UB Community Development, LLC $2.3M · 1 deal |
| 01069040600 Cher-O-Creek SDTSA | Houston County | 43.8% | 42.1% | 1,958 | 82.7% | 29.8% | CRA-eligibleTribalHousing pressureHigh vacancyUI Tier 1 | — |
| 01069041200 Cher-O-Creek SDTSA | Houston County | 51.2% | 41.2% | 2,275 | 74.4% | 21.9% | CRA-eligibleTribalHousing pressureHigh vacancy | — |
| 01069041400 Birmingham | Houston County | 38.1% | 52.6% | 3,019 | 57.6% | 22.8% | NMTC track recordCRA-eligibleTribalHousing pressureHigh vacancy | Eclypse Development Partners I, LLC $0.4M · 1 deal |
| 01071950602 | Jackson County | 32.2% | 64.6% | 2,416 | 40.5% | 17.1% | Rural / QROFFormer OZ 1.0High vacancy | — |
| 01073000300 | Jefferson County | 20.3% | 40.8% | 1,313 | 63.7% | 36% | Former OZ 1.0NMTC track recordCRA-eligibleHigh vacancyUI Tier 1 | PNC Community Partners, Inc. $1.7M · 1 deal |
| 01073000400 Huntsville | Jefferson County | 28.9% | 60.5% | 3,057 | 57.6% | 30.9% | Former OZ 1.0CRA-eligibleHigh vacancy | — |
| 01073001100 | Jefferson County | 27% | 63.8% | 4,574 | 35% | 11.4% | CRA-eligible | — |
| 01073001200 | Jefferson County | 27.4% | — | 2,113 | 37% | 32.8% | Former OZ 1.0NMTC track recordHigh vacancy | Advantage Capital Community Development Fund, LLC $13.5M · 1 deal |
| 01073001600 | Jefferson County | 32.1% | 76.3% | 2,357 | 37.5% | 33.3% | Former OZ 1.0CRA-eligibleHigh vacancy | — |
| 01073002303 | Jefferson County | 49.6% | 34.9% | 2,716 | 69.5% | 30.6% | Former OZ 1.0CRA-eligibleHousing pressureHigh vacancyUI Tier 1 | — |
| 01073002702 | Jefferson County | 35% | 40.3% | 2,037 | 100% | 21.9% | Former OZ 1.0NMTC track recordHousing pressureHigh vacancy | Hope Enterprise Corporation |
| 01073002900 | Jefferson County | 47.3% | 44.7% | 1,638 | 88.7% | 18.8% | Former OZ 1.0CRA-eligibleHousing pressureHigh vacancy | — |
| 01073003300 Selma | Jefferson County | 14.8% | 59.8% | 1,558 | 47.4% | 27.9% | CRA-eligibleHigh vacancyUI Tier 1 | — |
| 01073003400 | Jefferson County | 37.3% | — | 1,848 | 64.8% | 23.7% | CRA-eligibleHousing pressureHigh vacancy | — |
| 01073003500 | Jefferson County | 22.8% | 56.2% | 2,156 | 36.7% | 31.5% | CRA-eligibleHigh vacancy | — |
| 01073004200 Montgomery | Jefferson County | 26.7% | 52.9% | 1,633 | 69.2% | 29.3% | Former OZ 1.0NMTC track recordCRA-eligibleHigh vacancyUI Tier 1 | HFHI-SA NMTC I, LLC $0.1M · 1 deal |
| 01073004502 | Jefferson County | 25.2% | 96% | 3,504 | 93.6% | 19.9% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressureHigh vacancyUI Tier 1 | Cahaba Community Development, LLC; Greystone CDE LLC $25.2M · 3 deals |
| 01073005103 | Jefferson County | 32.4% | 46.6% | 3,221 | 43% | 10.7% | CRA-eligible | — |
| 01073005500 Oneonta | Jefferson County | 37% | — | 1,726 | 54.3% | 19.6% | CRA-eligibleHigh vacancy | — |
| 01073010100 | Jefferson County | 30.9% | 35.4% | 1,221 | 53% | 21.3% | High vacancy | — |
| 01073010200 | Jefferson County | 36.7% | 37.7% | 2,910 | 40.5% | 15.4% | Former OZ 1.0CRA-eligibleHigh vacancyUI Tier 1 | — |
| 01073010604 | Jefferson County | 46.8% | 38.4% | 5,362 | 57% | 19.9% | CRA-eligibleHousing pressureHigh vacancyUI Tier 1 | — |
| 01073010605 | Jefferson County | 59% | — | 480 | 82.6% | 45.7% | CRA-eligibleHousing pressureHigh vacancy | — |
| 01073010900 Dothan | Jefferson County | 24.1% | 66.4% | 4,609 | 64.9% | 15.4% | CRA-eligibleHousing pressureHigh vacancy | — |
| 01073011210 Montgomery | Jefferson County | 36.9% | 60.6% | 3,363 | 47.5% | 12.3% | CRA-eligibleUI Tier 1 | — |
| 01073011401 | Jefferson County | 20.8% | 80.3% | 2,464 | 45.1% | 20.4% | Rural / QROFCRA-eligibleHigh vacancy | — |
| 01073011806 | Jefferson County | 20.7% | 46.2% | 3,609 | 57.9% | 17.8% | CRA-eligibleHousing pressureHigh vacancy | — |
| 01073012402 Gadsden | Jefferson County | 28.6% | 48% | 2,695 | 44.6% | 14.4% | CRA-eligible | — |
| 01073014304 Huntsville | Jefferson County | 34.7% | 111.9% | 4,542 | 56.2% | 11.3% | Housing pressure | — |
| 01075030101 | Lamar County | 25.9% | 67% | 2,989 | 23.7% | 34.2% | Rural / QROFFormer OZ 1.0CRA-eligibleHigh vacancy | — |
| 01077010100 Montgomery | Lauderdale County | 30.5% | 84.5% | 2,284 | 68.3% | 19.4% | Rural / QROFFormer OZ 1.0CRA-eligibleHigh vacancy | — |
| 01077010800 Center Point | Lauderdale County | 26.4% | 66.1% | 3,376 | 45.6% | 11.4% | Rural / QROFCRA-eligible | — |
| 01079979202 Echota Cherokee SDTSA | Lawrence County | 27.1% | 59.4% | 2,491 | 28.2% | 14.7% | Rural / QROFCRA-eligibleTribal | — |
| 01081040202 | Lee County | 21.6% | 122.2% | 3,207 | 61.3% | 9.5% | Former OZ 1.0Housing pressure | — |
| 01081040401 | Lee County | 54.2% | 68.5% | 2,454 | 91.2% | 23.8% | CRA-eligibleHousing pressureHigh vacancy | — |
| 01081040903 Anniston | Lee County | 46.3% | 65.7% | 1,864 | 80.5% | 13.3% | | — |
| 01081040904 Talladega | Lee County | 30.5% | 82.9% | 5,079 | 51.4% | 18.6% | Housing pressureHigh vacancyUI Tier 1 | — |
| 01083020700 Birmingham | Limestone County | 30.8% | 64.2% | 2,736 | 72.1% | 10% | Rural / QROFFormer OZ 1.0CRA-eligibleUI Tier 1 | — |
| 01085781200 Bessemer | Lowndes County | 36.5% | 57.2% | 2,643 | 25.1% | 13.1% | Rural / QROFCRA-eligiblePersistent poverty | — |
| 01087231700 Birmingham | Macon County | 50.4% | — | 2,832 | 100% | 51.5% | Rural / QROFHousing pressureHigh vacancyPersistent poverty | — |
| 01087232000 | Macon County | 18.1% | 57.5% | 1,142 | 46.5% | 37.2% | Rural / QROFCRA-eligibleHigh vacancyPersistent poverty | — |
| 01089000203 | Madison County | 33.1% | 34.2% | 6,849 | 74.7% | 19.5% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressureHigh vacancy | Urban Development Fund, LLC |
| 01089000403 Gadsden | Madison County | 9.8% | 68.7% | 5,319 | 29.1% | 19.6% | CRA-eligibleHigh vacancy | — |
| 01089001200 Huntsville | Madison County | 41.3% | 33.7% | 3,797 | 69.1% | 7.8% | CRA-eligibleHousing pressureUI Tier 1 | — |
| 01089001403 | Madison County | 24.7% | 73.6% | 3,059 | 90.6% | 8.9% | Former OZ 1.0 | — |
| 01089001500 Huntsville | Madison County | 20.3% | 39.3% | 6,651 | 63.1% | 9.9% | Former OZ 1.0CRA-eligible | — |
| 01089002100 Birmingham | Madison County | 30.6% | — | 2,858 | 73% | 19% | Former OZ 1.0CRA-eligibleHousing pressureHigh vacancy | — |
| 01089002501 | Madison County | 54.6% | 29.8% | 3,008 | 86.9% | 10.2% | Former OZ 1.0CRA-eligibleHousing pressureUI Tier 1 | — |
| 01089003000 | Madison County | 24.9% | 64.9% | 3,016 | 58.7% | 12.1% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressureUI Tier 1 | Stonehenge Community Development, LLC $16.3M · 1 deal |
| 01089010625 | Madison County | 17.2% | 40.9% | 5,640 | 67.8% | 16% | Former OZ 1.0NMTC track recordCRA-eligibleHigh vacancy | Pathway Lending CDE, LLC $0.4M · 1 deal |
| 01089010626 | Madison County | 12.4% | 54.1% | 4,464 | 69.4% | 6% | Former OZ 1.0 | — |
| 01091972902 Opelika | Marengo County | 31.5% | 69.8% | 3,768 | 54.3% | 13.7% | Rural / QROFFormer OZ 1.0CRA-eligibleHousing pressurePersistent poverty | — |
| 01093964500 | Marion County | 19.1% | 67.4% | 2,005 | 22.7% | 29.6% | Rural / QROFFormer OZ 1.0CRA-eligibleHigh vacancy | — |
| 01095030804 Cherokee Tribe of Northeast Alabama SDTSA | Marshall County | 34.6% | 58% | 5,649 | 33.2% | 13.1% | Rural / QROFTribal | — |
| 01095031100 | Marshall County | 24.8% | 91.5% | 4,753 | 47.4% | 5.3% | Rural / QROF | — |
| 01097000200 Selma | Mobile County | 25.7% | 84.3% | 1,149 | 66% | 24.4% | Former OZ 1.0NMTC track recordHigh vacancy | Liberty Bank and Trust Company; National Community Investment Fund; Southern Community Capital, LLC; UB Community Development, LLC $30.8M · 5 deals |
| 01097001200 Birmingham | Mobile County | 29.5% | 71.3% | 2,373 | 66.4% | 29% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressureHigh vacancy | Hancock Whitney New Markets Fund, LLC; National New Markets Tax Credit Fund, Inc.; UB Community Development, LLC $54.3M · 4 deals |
| 01097001501 Millbrook | Mobile County | 51.9% | 20.2% | 671 | 67.2% | 64.8% | Former OZ 1.0CRA-eligibleHousing pressureHigh vacancy | — |
| 01097001502 | Mobile County | 55.5% | 27.7% | 800 | 80.3% | 63.5% | Former OZ 1.0CRA-eligibleHousing pressureHigh vacancy | — |
| 01097002100 | Mobile County | 46.4% | 38.4% | 4,174 | 51.9% | 7.4% | CRA-eligibleHousing pressure | — |
| 01097002600 | Mobile County | 14.7% | 52.8% | 2,078 | 52% | 30.2% | Former OZ 1.0CRA-eligibleHigh vacancy | — |
| 01097002900 | Mobile County | 20.8% | 59% | 4,196 | 65.6% | 5.7% | CRA-eligibleHousing pressure | — |
| 01097003606 Hoover | Mobile County | 29.9% | 102.9% | 3,589 | 64.6% | 8.9% | Housing pressure | — |
| 01097007102 | Mobile County | 21.8% | 91.1% | 2,276 | 8.6% | 12.4% | UI Tier 1 | — |
| 01097007400 | Mobile County | 41.4% | 72.7% | 3,303 | 53.4% | 12.1% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressure | MuniStrategies, LLC $14.0M · 1 deal |
| 01099076000 | Monroe County | 24.9% | 78.8% | 3,051 | 51.6% | 21.4% | Rural / QROFFormer OZ 1.0NMTC track recordCRA-eligibleHousing pressureHigh vacancyPersistent poverty | AMCREF Community Capital, LLC; National Community Investment Fund; UB Community Development, LLC; United Bancorporation of Alabama, Inc $8.7M · 4 deals |
| 01101000100 | Montgomery County | 31% | — | 943 | 85.2% | 18.4% | Former OZ 1.0High vacancy | — |
| 01101000200 Huntsville | Montgomery County | 24.4% | 57% | 1,613 | 82.3% | 30.1% | Former OZ 1.0CRA-eligibleHigh vacancy | — |
| 01101000300 | Montgomery County | 43% | 39.8% | 1,294 | 73.6% | 19.4% | Former OZ 1.0CRA-eligibleHigh vacancy | — |
| 01101000600 | Montgomery County | 47.3% | 34.5% | 1,604 | 90% | 19.7% | Former OZ 1.0CRA-eligibleHousing pressureHigh vacancy | — |
| 01101001000 | Montgomery County | 45% | 45.2% | 923 | 76.7% | 41.1% | Former OZ 1.0CRA-eligibleHousing pressureHigh vacancyUI Tier 1 | — |
| 01101001100 | Montgomery County | 30.7% | 64.8% | 2,397 | 54% | 35.3% | Former OZ 1.0CRA-eligibleHigh vacancy | — |
| 01101001500 Pleasant Grove | Montgomery County | 32.4% | 80.6% | 4,598 | 64.7% | 18.3% | CRA-eligibleHigh vacancy | — |
| 01101002400 | Montgomery County | 44% | 50.3% | 1,368 | 27.7% | 30.3% | NMTC track recordCRA-eligibleHigh vacancy | Nonprofit Finance Fund |
| 01101005902 | Montgomery County | 36% | 40.6% | 2,669 | 33.9% | 13.7% | Former OZ 1.0CRA-eligible | — |
| 01101006100 | Montgomery County | 30.5% | 68.1% | 1,871 | 12.1% | 8% | CRA-eligible | — |
| 01103000100 Birmingham | Morgan County | 28.4% | 57.3% | 4,893 | 41.6% | 6.4% | Former OZ 1.0CRA-eligibleUI Tier 1 | — |
| 01103000600 | Morgan County | 39.8% | 68% | 3,047 | 62.2% | 18.9% | CRA-eligibleHousing pressureHigh vacancyUI Tier 1 | — |
| 01103000700 | Morgan County | 31.2% | 50.6% | 3,674 | 47.7% | 9.7% | CRA-eligible | — |
| 01103000900 | Morgan County | 15.6% | 65.7% | 6,182 | 67.4% | 3.5% | CRA-eligibleUI Tier 1 | — |
| 01103005602 | Morgan County | 23.8% | 97.6% | 2,496 | 22.2% | 9.4% | Rural / QROF | — |
| 01105687100 | Perry County | 39.3% | 37% | 2,718 | 22.8% | 18.8% | Rural / QROFCRA-eligibleHigh vacancyPersistent poverty | — |
| 01107050401 | Pickens County | 29.1% | 63.3% | 2,165 | 36.8% | 29.9% | Rural / QROFCRA-eligibleHigh vacancyPersistent poverty | — |
| 01109189102 Southeastern Mvskoke Nation SDTSA | Pike County | 35.1% | 66.2% | 3,359 | 48.6% | 24.7% | Rural / QROFFormer OZ 1.0TribalHigh vacancyPersistent poverty | — |
| 01111000100 | Randolph County | 18.7% | 64.3% | 3,540 | 17% | 33% | Rural / QROFCRA-eligibleHigh vacancy | — |
| 01113030200 | Russell County | 40.9% | 44.5% | 1,661 | 79.4% | 22.5% | Former OZ 1.0CRA-eligibleHousing pressureHigh vacancy | — |
| 01117030407 | Shelby County | 29% | 94.9% | 2,532 | 61.8% | 7.1% | Rural / QROFHousing pressure | — |
| 01115040508 | St. Clair County | 25.5% | — | 2,286 | 13.3% | 4.2% | Rural / QROF | — |
| 01119011301 | Sumter County | 31.3% | 52.6% | 2,942 | 46.6% | 16.8% | Rural / QROFFormer OZ 1.0CRA-eligibleHigh vacancyPersistent poverty | — |
| 01121010900 Gadsden | Talladega County | 22.2% | 103.7% | 3,271 | 40.3% | 23.7% | Rural / QROFFormer OZ 1.0High vacancyUI Tier 1 | — |
| 01123962600 | Tallapoosa County | 23.1% | 71.3% | 1,834 | 19% | 26.4% | Rural / QROFCRA-eligibleHigh vacancyUI Tier 1 | — |
| 01125011600 | Tuscaloosa County | 24.8% | 102.5% | 4,232 | 78.8% | 33.2% | Former OZ 1.0NMTC track recordHousing pressureHigh vacancy | Advantage Capital Community Development Fund, LLC $1.4M · 1 deal |
| 01125011701 Bessemer | Tuscaloosa County | 30.5% | 52.1% | 2,658 | 51.9% | 11.2% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 01125011800 | Tuscaloosa County | 48.3% | 38.7% | 2,960 | 55.8% | 13.1% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 01125012101 Birmingham | Tuscaloosa County | 25.8% | 64.5% | 4,444 | 58.1% | 23.7% | Former OZ 1.0Housing pressureHigh vacancy | — |
| 01125012307 Auburn | Tuscaloosa County | 31.6% | — | 1,839 | 49.7% | 11.8% | Former OZ 1.0 | — |
| 01125012408 Birmingham | Tuscaloosa County | 26.5% | 58.5% | 3,724 | 76.5% | 6.8% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 01125012501 Tuscaloosa | Tuscaloosa County | 15% | 64.7% | 1,359 | 27.1% | 12.7% | CRA-eligible | — |
| 01125012600 Montgomery | Tuscaloosa County | 39.2% | — | 2,408 | 87.6% | 36.4% | Former OZ 1.0Housing pressureHigh vacancy | — |
| 01125012700 | Tuscaloosa County | 26.3% | 99.9% | 5,150 | 47.7% | 20.5% | High vacancy | — |
| 01125012800 | Tuscaloosa County | 20% | 60.1% | 2,037 | 44% | 20.1% | Former OZ 1.0CRA-eligibleHigh vacancy | — |
| 01127021500 | Walker County | 29.8% | 51.8% | 2,674 | 26.2% | 21.7% | Rural / QROFCRA-eligibleHigh vacancy | — |
| 01129044200 MOWA Choctaw (state) Reservation | Washington County | 25.7% | 109.7% | 4,196 | 14.2% | 23.1% | Rural / QROFFormer OZ 1.0NMTC track recordTribalHigh vacancy | Mid-City Community CDE, LLC |
| 01131034802 Montgomery | Wilcox County | 28.3% | 63.2% | 2,496 | 24.9% | 23.5% | Rural / QROFCRA-eligibleHigh vacancyUI Tier 1Persistent poverty | — |
| 01133965601 | Winston County | 25.3% | 76.6% | 1,983 | 28.8% | 42.9% | Rural / QROFNMTC track recordHigh vacancy | UB Community Development, LLC; Urban Development Fund, LLC $11.9M · 2 deals |
Reading the signals for projects
- Rural / QROF — a rural QOF investment gets a 30% basis step-up at five years, and existing buildings need only 50% improvement. Rehab of existing stock pencils here in ways it does not elsewhere. Mechanics →
- Housing pressure — mostly renters, most of them cost-burdened. Housing deals here have demand; they also carry displacement risk, which is where community benefit terms matter.
- High vacancy — vacant structures to bring back. Pair with the 50% rural improvement threshold where both apply.
- UI Tier 1 — the Urban Institute's read that private capital is likely to come and the impact would be larger.
Reading the signals for partners
- NMTC track record — the listed CDEs have underwritten deals in this exact tract. They know the market and can layer NMTC with OZ equity. How they stack →
- CRA-eligible — bank investment here earns CRA credit. Start with community development officers at banks with branches in the county.
- Former OZ 1.0 — QOFs and sponsors may already hold assets here. They are the most likely early OZ 2.0 investors and know the local approvals path.
- Tribal — the tribal government is a principal, not a stakeholder to consult. Persistent poverty — USDA Rural Development programs can fill gaps.
Data context
237
Eligible tracts in EIG DCI top distress quintile
The EIG Distressed Communities Index (2019–2023) is referenced in many state scoring rubrics. Quintile 1 = most distressed. See whether OZ 1.0 reached the most distressed places →
19
Counties with eligible tracts designated USDA persistent poverty
Persistent poverty = 20%+ poverty rate in every census 1980–2010. Source: USDA ERS County Typology Codes (2015 edition). Relevant for USDA RD program eligibility and QROF rural bonus. See QROF rural bonus mechanics →
82
Prior NMTC investments in eligible OZ tracts
CDFI Fund NMTC Public Data Release (2024). Indicates prior CDFI capital deployment track record in these tracts. See how NMTC and OZ stack →
394
Eligible tracts with CRA designation (LMI or distressed/underserved)
Banks earn CRA credit for investing in low- or moderate-income tracts (Track 1), and in non-metropolitan middle-income tracts officially designated distressed or underserved by FFIEC (Track 2). When an OZ project sits in a CRA-eligible tract, bank capital can satisfy CRA obligations while generating OZ tax benefits. How CRA and OZ interact →
Cities: Birmingham, Mobile, Montgomery, Huntsville, Tuscaloosa and 203 more
ZIP codes: 35215, 36610, 35810, 35805, 35211 and 310 more
See all 208 cities and 315 ZIP codes
All cities:
Birmingham, Mobile, Montgomery, Huntsville, Tuscaloosa, Bessemer, Selma, Dothan, Phenix City, Gadsden, Fairfield, Tuskegee, Athens, Auburn, Florence, Anniston, Boligee, Sylacauga, Decatur, Sardis, Jasper, Newbern, Hayneville, Eutaw, Safford, Eufaula, Sheffield, Cordova, Talladega, Catherine, Carrollton, Muscle Shoals, Hazel Green, Hackleburg, Hardaway, Tyler, Opp, Aliceville, Elkmont, Atmore, Marion Junction, Opelika, Union Springs, Tuskegee Institute, Marion, Minter, Phil Campbell, Toney, Andalusia, Empire, Hodges, Hamilton, Nauvoo, Pleasant Grove, Reform, Orrville, Ethelsville, Ozark, Hillsboro, Parrish, Gainesville, Prattville, Fort Payne, Russellville, Eldridge, Carbon Hill, Ardmore, Midway, Millbrook, Attalla, Uniontown, Bear Creek, Leeds, Town Creek, Knoxville, Eight Mile, Theodore, Camp Hill, Haleyville, Courtland, Clayton, Spruce Pine, Smiths Station, Jacksonville, Childersburg, Dolomite, Shorter, Mc Kenzie, Natural Bridge, Mentone, Montevallo, Oakman, Millport, Notasulga, Normal, Mount Hope, Abbeville, Oneonta, Skipperville, Wetumpka, West Greene, Waverly, Warrior, Wadley, Valley, Tuscumbia, Troy, Townley, Thomasville, Thomaston, Tallassee, Sumiton, Sipsey, Oxford, Shorterville, Sawyerville, Samson, Lynn, Robertsdale, Roanoke, Red Level, Red Bay, Ralph, Ragland, Pinson, Pine Hill, Panola, Magnolia, Highland Home, Loxley, Coden, Castleberry, Cecil, Cedar Bluff, Cherokee, Clinton, Clio, Clopton, Coffeeville, Brierfield, Collinsville, Coosada, Crossville, Daleville, De Armanville, Dora, Double Springs, Campbell, Brewton, Emelle, Autaugaville, Adger, Alabaster, Alberta, Ariton, Ashland, Ashville, Auburn University, Bay Minette, Brent, Bayou La Batre, Berry, Billingsley, Blountsville, Bon Air, Booth, Boykin, Elmore, Enterprise, Lowndesboro, Kansas, Headland, Adamsville, Hollins, Hurtsboro, Irvington, Jackson, Jones, Kennedy, Harvest, Lafayette, Lanett, Leesburg, Letohatchee, Linden, Lineville, Louisville, Hayden, Greenville, Epes, Fort Deposit, Evergreen, Faunsdale, Fitzpatrick, Five Points, Flomaton, Forkland, Fort Davis, Fosters, Greensboro, Fultondale, Gallion, Gardendale, Geneva, Goodwater, Gordo, Grand Bay, Winfield
All ZIP codes:
35215, 36610, 35810, 35805, 35211, 36104, 35020, 35401, 35206, 35228, 35816, 36108, 35217, 36701, 36083, 35234, 35208, 35901, 35064, 36605, 35218, 36105, 35205, 35212, 36116, 36301, 36606, 35235, 35630, 36869, 36603, 36867, 35204, 35801, 35904, 36617, 36703, 36201, 35601, 36110, 36775, 35443, 35611, 36303, 35207, 35150, 36608, 36609, 36611, 36832, 35620, 35806, 35504, 36039, 36027, 35550, 36502, 35564, 36728, 35773, 36089, 35581, 35750, 36467, 35661, 35660, 36618, 36088, 35614, 35462, 36421, 36040, 36765, 35442, 36785, 35203, 35210, 35214, 36830, 35221, 35222, 36773, 35233, 35160, 35404, 35405, 35151, 36761, 36756, 36759, 35447, 36054, 36016, 36804, 36207, 35127, 36604, 36582, 36053, 35739, 36786, 36870, 35672, 36877, 36067, 36612, 36613, 35094, 35023, 36850, 35811, 36265, 35063, 35061, 36075, 35044, 35954, 36607, 35967, 35643, 35543, 35653, 35585, 35565, 35501, 35570, 35571, 36111, 36109, 35578, 35481, 36767, 35461, 35580, 35549, 36107, 36106, 35224, 35613, 35469, 36360, 35618, 35209, 35464, 35554, 36401, 36374, 36426, 36503, 36507, 36477, 36317, 36432, 36310, 36311, 36456, 36322, 36330, 36340, 36361, 36474, 36441, 36345, 36373, 35005, 36509, 36783, 36740, 36742, 36744, 36748, 36749, 36752, 36754, 36769, 36776, 36784, 36523, 36801, 36849, 36854, 36855, 36860, 36862, 36863, 36866, 36868, 36738, 36727, 36723, 36720, 36524, 36541, 36544, 36545, 36551, 36567, 36601, 36602, 36615, 36616, 36619, 36633, 36652, 36663, 36670, 36671, 36304, 36691, 36695, 36688, 36017, 36302, 35553, 35294, 35448, 35459, 35460, 35463, 35466, 35477, 35480, 35491, 35546, 35573, 35232, 35574, 35575, 35576, 35577, 35579, 35582, 35584, 35587, 35594, 35616, 35261, 35231, 35632, 35072, 35007, 35021, 35022, 35031, 35032, 35034, 35035, 35062, 35068, 35071, 35079, 35226, 35082, 35114, 35115, 35121, 35126, 35131, 35148, 35180, 35216, 35220, 35631, 35633, 36276, 36117, 36037, 36041, 36047, 36048, 36072, 36078, 36081, 36082, 36092, 36113, 36120, 36031, 36121, 36125, 36130, 36202, 36203, 36206, 36251, 36257, 36266, 36274, 36032, 36029, 35634, 35953, 35651, 35654, 35674, 35749, 35762, 35802, 35807, 35814, 35896, 35903, 35959, 36025, 35961, 35962, 35983, 35984, 36003, 36006, 36008, 36013, 35006, 36020, 36879
Look up a specific tract (FFIEC) → Source: FFIEC Census Flat File 2026, joined to IRS Rev. Proc. 2026-14 eligible tracts.
71
Eligible tracts in top investability quintile (Urban Institute model)
The Urban Institute investability model scores OZ-eligible tracts by predicted likelihood of attracting private capital, based on OZ 1.0 investment patterns. Quintile 1 = highest predicted investability among scored tracts. Not all tracts are scored — coverage reflects tracts with sufficient OZ 1.0 data.
Who to contact
Alabama Department of Economic and Community Affairs (ADECA)
https://adeca.alabama.gov/opportunityzones/OpportunityZones@adeca.alabama.gov
(334) 242-5100
Certified CDFIs
44 certified CDFIs headquartered in Alabama. CDFI Fund certified list →
USDA Rural Development
USDA RD Alabama State Office →RCAP Regional Partner
Southeast Rural Community Assistance Project (SERCAP) →Rural LISC
Rural LISC →Native / tribal
No formal tribal consultation process has been published for Alabama's OZ 2.0 nomination. If your jurisdiction contains or is adjacent to tribal land, contact the relevant Tribal Historic Preservation Office (THPO) or tribal government directly before submitting a nomination.
Designations: Treasury, 2027 QOZ designations and revised eligible-tract file (October 30, 2026). Demographics: ACS 2020–2024 5-year. OZ 1.0: IRS Notice 2018-48, crosswalked to 2020 tracts. Eligible tract counts: IRS Rev. Proc. 2026-14 (April 6, 2026). Rural designation: Notice 2025-50, Section 4.01. Status tier last verified 2026-07-10. Full methodology.