Bradley County, Tennessee: commercial real estate data.
Bradley County, Tennessee has a population of 111,065 across 329 square miles, up 4.8 percent since the 2020 census base. County output reached $6.67 bn in 2024, 2,074 establishments operate here, and the SBA record carries 32 7(a) approvals worth $21.0 m.
118 sourced county values · tier FULL · 11 sections
Bradley County
How many people live in Bradley County
- Population111,065
- Households42,596
- Average household size2.61
- Median household income$66,552
- Median age39.5
- Median gross rent$1,030 per month
- Median owner-occupied home value$261,900
- Home value to household income3.9 times
- Annual rent as a share of median income18.6 percent
- Adults 25 and over with a bachelor degree or higher24.4 percent
- Adults 25 and over with a graduate degree10.1 percent
- Adults 25 and over76,308
- Population under 1824,294
- Share under 1821.9 percent
- Population 65 and over19,245
- Share 65 and over17.3 percent
- Working age population, 18 to 6467,526
- Civilian labor force55,346
- Unemployment rate6.6 percent
- Labor force participation, adults 18 and over63.8 percent
- Rank by population among Tennessee counties13th of 95
- Rank by population among US county-equivalents567th
Bradley County is the 13th largest of 95 Tennessee counties by population. A median home costs 3.9 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 21.9 percent against 17.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Bradley County
Is Bradley County growing
- Population change since the 2020 census base4.75 percent
- Census 2020 base population108,620
- Births, 20241,211
- Deaths, 20241,215
- Natural change, 2024-4
- Net domestic migration, 20241,222
- Net international migration, 2024428
- Total net migration, 20241,650
- Cumulative net domestic migration, 2021 to 20244,579
- Rank by growth among US county-equivalents566th
The county has grown 4.75 percent since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Bradley County
Where people moving to Bradley County come from
- Tax returns filed by households arriving2,991
- People arriving, from those returns5,650
- Adjusted gross income arriving$179.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$60,010
- Largest single originBradley County Non-migrants (38,722 households)
- Largest single destination (38,722 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Bradley County Non-migrants | 38,722 | 81,015 | $2.82 bn |
| Other flows - Different State | 1,353 | 2,592 | $92.0 m |
| Other flows - South | 770 | 1,426 | $47.2 m |
| Hamilton County | 651 | 1,195 | $39.4 m |
| Other flows - West | 271 | 575 | $22.7 m |
| Other flows - Same State | 240 | 425 | $12.3 m |
| McMinn County | 216 | 430 | $8.8 m |
| Other flows - Midwest | 205 | 411 | $15.2 m |
The largest single source of arrivals is Bradley County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Bradley County
What the Bradley County economy runs on
- County GDP, 2024$6.67 bn
- County GDP, 2023$6.31 bn
- GDP change, 2023 to 20245.7 percent
- GDP change over five years35.8 percent
- Rank by GDP among Tennessee counties17th
- Rank by GDP among US county-equivalents605th
- GDP per resident$60,048
Output grew 5.7 percent in the latest year and 35.8 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Bradley County
Who employs people in Bradley County
- Covered employment, annual average40,665
- Establishments reporting2,478
- Average annual pay$54,379
- Average weekly wage$1,046
- Sector 31-33, employment7,621
- Sector 31-33, average annual pay$71,679
- Sector 44-45, employment5,124
- Sector 44-45, average annual pay$36,789
- Sector 62, employment4,953
- Sector 62, average annual pay$55,499
- Sector 72, employment4,375
- Sector 72, average annual pay$20,824
- Sector 48-49, employment2,982
- Sector 23, employment2,076
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 7,621 | 142 | $71,679 |
| Sector 44-45 | 5,124 | 368 | $36,789 |
| Sector 62 | 4,953 | 342 | $55,499 |
| Sector 72 | 4,375 | 220 | $20,824 |
| Sector 48-49 | 2,982 | 91 | $62,425 |
| Sector 23 | 2,076 | 211 | $76,505 |
| Sector 56 | 2,060 | 149 | $45,732 |
| Sector 81 | 1,304 | 156 | $37,243 |
The largest sector is the biggest private employer group at 7,621 jobs, 18.7 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Bradley County
What businesses operate in Bradley County
- Establishments, all industries2,074
- Employment at those establishments42,835
- Annual payroll$2.03 bn
- Establishments per 1,000 residents18.7
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Bradley County
What is being built in Bradley County
- Housing units authorised by permit, 2024768
- Declared construction value permitted$200.3 m
- Single family units authorised714
- Multifamily units authorised54
- Multifamily share of units7.0 percent
- Average declared value per unit$260,767
- Units authorised per 1,000 households18.0
Multifamily is 7.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Bradley County
How much SBA lending happens in Bradley County
- 7(a) approvals recorded32
- 7(a) gross approval dollars$21.0 m
- Average 7(a) approval$655,856
- Median 7(a) approval$350,000
- 10th percentile approval$70,000
- 90th percentile approval$1,282,000
- Largest single approval$3,931,000
- Jobs reported supported, 7(a)220
- Jobs per approval6.9
- Distinct 7(a) lenders active21
- Distinct industries receiving approvals22
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer18.8 percent
- Loans on real estate terms6
- Loans on working capital terms, 120 months or shorter21
- Franchise loans9
- Franchise share of approvals28.1 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (3)
- Most active lenderByline Bank (3)
- 504 approvals recorded9
- 504 gross approval dollars$14.0 m
- Average 504 approval$1,550,667
- Median 504 approval$1,120,000
- Distinct CDCs active2
- 504 jobs per approval16.1
- 504 jobs per million dollars approved10.4
- Most active CDCBrightbridge, Inc. (8)
- 7(a) share of SBA approvals78.0 percent
- Combined SBA approval dollars$34.9 m
The average approval of $655,856 sits well above the median of $350,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 18.8 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Bradley County
Do SBA loans in Bradley County get paid back
- Loans with a final outcome recorded4
- Paid in full4
- Charged off0
- Status: Paid in full4
- Status: Exempt from disclosure22
- Status: Cancelled2
- Status: Committed, not yet disbursed4
Too few loans have reached a final outcome to publish a charge off rate. only 4 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Bradley County
Which parts of Bradley County get the lending
- Places in the county with recorded lending3
- CLEVELAND, approvals27
- OLD FORT, approvals4
- CHARLESTON, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| CLEVELAND | 27 | $15,084,800 |
| OLD FORT | 4 | $5,403,600 |
| CHARLESTON | 1 | $499,000 |
CLEVELAND accounts for 27 approvals against 4 in OLD FORT. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Bradley County
How big is Bradley County
- Land area329 sq mi
- Rank by land area among Tennessee counties67th of 95
- Width, east to west18.4 mi
- Height, north to south25 mi
- Geographies sharing a boundary4
- Residents per square mile of land338
- Establishments per square mile6.30
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Bradley County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Bradley County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population111,065
- Households42,596
- Average household size2.61
- Median household income$66,552
- Median age39.5
Common questions
Bradley County questions, answered from the record.
How many people live in Bradley County, Tennessee?
111,065, in 42,596 households, ranking 13th of 95 Tennessee counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Bradley County growing?
The population has grown 4.75 percent since the 2020 census base. In 2024 there were 1,211 births against 1,215 deaths, with net migration of 1,650. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Bradley County?
$66,552. The median owner-occupied home is valued at $261,900, which is 3.9 times income, and median gross rent is $1,030 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Bradley County?
2,074 establishments, employing 42,835 people with an annual payroll of $2.03 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Bradley County?
Average annual pay is $54,379, or $1,046 a week, across 40,665 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Bradley County?
32 7(a) approvals totalling $21.0 m since FY2020, across 21 lenders, with a median approval of $350,000, plus 9 504 approvals worth $14.0 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Bradley County?
768 housing units were authorised by permit in 2024, with a declared construction value of $200.3 m. Multifamily was 7.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Bradley County?
Zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Bradley County come from?
The largest single origin is Bradley County Non-migrants, with 38,722 households. Arriving households report an average income of $60,010 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Bradley County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Bradley County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.