Gibson County, Tennessee: commercial real estate data.
Gibson County, Tennessee has a population of 50,869 across 603 square miles, up 2.0 percent since the 2020 census base. County output reached $2.02 bn in 2024, 951 establishments operate here, and the SBA record carries 16 7(a) approvals worth $21.5 m.
121 sourced county values · tier FULL · 11 sections
Gibson County
How many people live in Gibson County
- Population50,869
- Households20,360
- Average household size2.50
- Median household income$62,755
- Median age39.6
- Median gross rent$819 per month
- Median owner-occupied home value$156,900
- Home value to household income2.5 times
- Annual rent as a share of median income15.7 percent
- Adults 25 and over with a bachelor degree or higher20.5 percent
- Adults 25 and over with a graduate degree7.7 percent
- Adults 25 and over34,616
- Population under 1812,372
- Share under 1824.3 percent
- Population 65 and over8,920
- Share 65 and over17.5 percent
- Working age population, 18 to 6429,577
- Civilian labor force23,455
- Unemployment rate5.0 percent
- Labor force participation, adults 18 and over60.9 percent
- Rank by population among Tennessee counties33rd of 95
- Rank by population among US county-equivalents1006th
Gibson County is the 33rd largest of 95 Tennessee counties by population. A median home costs 2.5 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 24.3 percent against 17.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Gibson County
Is Gibson County growing
- Population change since the 2020 census base2.00 percent
- Census 2020 base population50,413
- Births, 2024617
- Deaths, 2024744
- Natural change, 2024-127
- Net domestic migration, 2024364
- Net international migration, 202430
- Total net migration, 2024394
- Cumulative net domestic migration, 2021 to 20241,849
- Rank by growth among US county-equivalents1170th
The county has grown 2.00 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.
Gibson County
Where people moving to Gibson County come from
- Tax returns filed by households arriving1,407
- People arriving, from those returns2,715
- Adjusted gross income arriving$73.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$52,422
- Largest single originGibson County Non-migrants (17,461 households)
- Largest single destination (17,461 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Gibson County Non-migrants | 17,461 | 37,131 | $1.08 bn |
| Other flows - Different State | 397 | 800 | $25.1 m |
| Madison County | 367 | 694 | $21.7 m |
| Other flows - South | 188 | 388 | $12.8 m |
| Other flows - Same State | 142 | 280 | $5.9 m |
| Other flows - West | 96 | 205 | $5.3 m |
| Other flows - Midwest | 93 | 169 | $5.8 m |
| Carroll County | 83 | 161 | $2.9 m |
The largest single source of arrivals is Gibson 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.
Gibson County
What the Gibson County economy runs on
- County GDP, 2024$2.02 bn
- County GDP, 2023$2.05 bn
- GDP change, 2023 to 2024-1.4 percent
- GDP change over five years24.8 percent
- Rank by GDP among Tennessee counties35th
- Rank by GDP among US county-equivalents1272nd
- GDP per resident$39,644
Output grew -1.4 percent in the latest year and 24.8 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.
Gibson County
Who employs people in Gibson County
- Covered employment, annual average14,908
- Establishments reporting1,122
- Average annual pay$48,973
- Average weekly wage$942
- Sector 31-33, employment2,477
- Sector 31-33, average annual pay$68,215
- Sector 44-45, employment2,109
- Sector 44-45, average annual pay$35,371
- Sector 72, employment1,193
- Sector 72, average annual pay$19,859
- Sector 23, employment1,013
- Sector 23, average annual pay$61,793
- Sector 48-49, employment926
- Sector 56, employment666
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 2,477 | 74 | $68,215 |
| Sector 44-45 | 2,109 | 185 | $35,371 |
| Sector 72 | 1,193 | 86 | $19,859 |
| Sector 23 | 1,013 | 106 | $61,793 |
| Sector 48-49 | 926 | 50 | $48,651 |
| Sector 56 | 666 | 58 | $44,949 |
| Sector 52 | 440 | 77 | $64,628 |
| Sector 81 | 309 | 66 | $40,735 |
The largest sector is the biggest private employer group at 2,477 jobs, 16.6 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.
Gibson County
What businesses operate in Gibson County
- Establishments, all industries951
- Employment at those establishments12,656
- Annual payroll$559.3 m
- 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.
Gibson County
What is being built in Gibson County
- Housing units authorised by permit, 2024152
- Declared construction value permitted$44.6 m
- Single family units authorised150
- Multifamily units authorised2
- Multifamily share of units1.3 percent
- Average declared value per unit$293,116
- Units authorised per 1,000 households7.5
Multifamily is 1.3 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Gibson County
How much SBA lending happens in Gibson County
- 7(a) approvals recorded16
- 7(a) gross approval dollars$21.5 m
- Average 7(a) approval$1,342,450
- Median 7(a) approval$432,000
- 10th percentile approval$50,000
- 90th percentile approval$4,410,000
- Largest single approval$4,915,000
- Jobs reported supported, 7(a)137
- Jobs per approval8.6
- Distinct 7(a) lenders active11
- Distinct industries receiving approvals12
- Median 7(a) term180 months
- Share of loans on real estate terms, 240 months or longer31.3 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter7
- Franchise loans3
- Franchise share of approvals18.8 percent
- Leading industry by approval countBroilers and Other Meat Type Chicken Production (4)
- Most active lenderFirst Financial Bank (4)
- 504 approvals recorded2
- 504 gross approval dollars$2.5 m
- Average 504 approval$1,263,000
- Median 504 approval$1,421,000
- Distinct CDCs active2
- 504 jobs per approval11.0
- 504 jobs per million dollars approved8.7
- Most active CDCTennessee Business Development Corporation (1)
- 7(a) share of SBA approvals88.9 percent
- Combined SBA approval dollars$24.0 m
The average approval of $1,342,450 sits well above the median of $432,000, 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. 31.3 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
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.
Gibson County
Do SBA loans in Gibson County get paid back
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Exempt from disclosure9
- Status: Paid in full3
- Status: Cancelled2
- Status: Committed, not yet disbursed2
Too few loans have reached a final outcome to publish a charge off rate. only 3 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.
Gibson County
Which parts of Gibson County get the lending
- Places in the county with recorded lending6
- MILAN, approvals5
- Bradford, approvals3
- TRENTON, approvals2
- Medina, approvals2
- DYER, approvals2
- Humboldt, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| MILAN | 5 | $2,412,000 |
| Bradford | 3 | $9,069,700 |
| TRENTON | 2 | $1,395,000 |
| Medina | 2 | $258,500 |
| DYER | 2 | $8,119,000 |
| Humboldt | 2 | $225,000 |
MILAN accounts for 5 approvals against 3 in Bradford. 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.
Gibson County
How big is Gibson County
- Land area603 sq mi
- Rank by land area among Tennessee counties13th of 95
- Width, east to west27.8 mi
- Height, north to south29.8 mi
- Geographies sharing a boundary6
- Residents per square mile of land84
- Establishments per square mile1.58
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 Gibson 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 Gibson County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population50,869
- Households20,360
- Average household size2.50
- Median household income$62,755
- Median age39.6
Common questions
Gibson County questions, answered from the record.
How many people live in Gibson County, Tennessee?
50,869, in 20,360 households, ranking 33rd of 95 Tennessee counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Gibson County growing?
The population has grown 2.00 percent since the 2020 census base. In 2024 there were 617 births against 744 deaths, with net migration of 394. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Gibson County?
$62,755. The median owner-occupied home is valued at $156,900, which is 2.5 times income, and median gross rent is $819 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Gibson County?
951 establishments, employing 12,656 people with an annual payroll of $559.3 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Gibson County?
Average annual pay is $48,973, or $942 a week, across 14,908 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Gibson County?
16 7(a) approvals totalling $21.5 m since FY2020, across 11 lenders, with a median approval of $432,000, plus 2 504 approvals worth $2.5 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Gibson County?
152 housing units were authorised by permit in 2024, with a declared construction value of $44.6 m. Multifamily was 1.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Gibson County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Gibson County come from?
The largest single origin is Gibson County Non-migrants, with 17,461 households. Arriving households report an average income of $52,422 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 Gibson 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 Gibson 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.