Alabama
Last checked 2026-07-10
563
Total eligible tracts
302
Rural eligible
141
Max designations (25%)
54
Days left in federal window
Nomination process
Community input window closed 2026-07-31. The state is now in internal review.
Eligible tracts
Loading 563 eligible tracts…
| County | Eligible tracts |
|---|---|
| Jefferson County | 85 |
| Mobile County | 54 |
| Montgomery County | 34 |
| Madison County | 26 |
| Tuscaloosa County | 25 |
| Lee County | 21 |
| Calhoun County | 16 |
| Dallas County | 15 |
| DeKalb County | 13 |
| Etowah County | 13 |
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.
How to influence the nomination
The state submission window closed 2026-07-31. Alabama is in internal review. Monitor the lead agency's page for draft recommendations. The Accelerator for America OZ Designation Toolkit remains useful for preparing documentation that may inform the state's internal review.
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.
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.