Hamblen County, Tennessee: commercial real estate data.
Hamblen County, Tennessee has a population of 65,669 across 161 square miles, up 5.0 percent since the 2020 census base. County output reached $4.64 bn in 2024, 1,339 establishments operate here, and the SBA record carries 22 7(a) approvals worth $13.3 m.
118 sourced county values · tier FULL · 11 sections
Hamblen County
How many people live in Hamblen County
- Population65,669
- Households26,146
- Average household size2.51
- Median household income$55,454
- Median age40.1
- Median gross rent$857 per month
- Median owner-occupied home value$210,900
- Home value to household income3.8 times
- Annual rent as a share of median income18.5 percent
- Adults 25 and over with a bachelor degree or higher20.0 percent
- Adults 25 and over with a graduate degree8.1 percent
- Adults 25 and over44,843
- Population under 1815,706
- Share under 1823.9 percent
- Population 65 and over11,750
- Share 65 and over17.9 percent
- Working age population, 18 to 6438,213
- Civilian labor force30,183
- Unemployment rate5.3 percent
- Labor force participation, adults 18 and over60.4 percent
- Rank by population among Tennessee counties21st of 95
- Rank by population among US county-equivalents836th
Hamblen County is the 21st largest of 95 Tennessee counties by population. A median home costs 3.8 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 23.9 percent against 17.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Hamblen County
Is Hamblen County growing
- Population change since the 2020 census base4.99 percent
- Census 2020 base population64,497
- Births, 2024788
- Deaths, 2024891
- Natural change, 2024-103
- Net domestic migration, 20241,098
- Net international migration, 2024255
- Total net migration, 20241,353
- Cumulative net domestic migration, 2021 to 20243,485
- Rank by growth among US county-equivalents534th
The county has grown 4.99 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.
Hamblen County
Where people moving to Hamblen County come from
- Tax returns filed by households arriving1,958
- People arriving, from those returns3,789
- Adjusted gross income arriving$117.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$60,069
- Largest single originHamblen County Non-migrants (22,373 households)
- Largest single destination (22,373 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Hamblen County Non-migrants | 22,373 | 46,153 | $1.39 bn |
| Other flows - Different State | 800 | 1,596 | $64.9 m |
| Other flows - South | 393 | 770 | $29.8 m |
| Jefferson County | 351 | 698 | $14.0 m |
| Other flows - West | 172 | 377 | $15.0 m |
| Other flows - Midwest | 157 | 288 | $12.1 m |
| Other flows - Same State | 140 | 250 | $7.8 m |
| Knox County | 127 | 231 | $7.8 m |
The largest single source of arrivals is Hamblen 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.
Hamblen County
What the Hamblen County economy runs on
- County GDP, 2024$4.64 bn
- County GDP, 2023$4.44 bn
- GDP change, 2023 to 20244.6 percent
- GDP change over five years40.9 percent
- Rank by GDP among Tennessee counties19th
- Rank by GDP among US county-equivalents745th
- GDP per resident$70,705
Output grew 4.6 percent in the latest year and 40.9 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.
Hamblen County
Who employs people in Hamblen County
- Covered employment, annual average33,531
- Establishments reporting1,568
- Average annual pay$50,942
- Average weekly wage$980
- Sector 31-33, employment10,149
- Sector 31-33, average annual pay$59,632
- Sector 44-45, employment4,085
- Sector 44-45, average annual pay$34,824
- Sector 62, employment3,685
- Sector 62, average annual pay$53,710
- Sector 72, employment2,865
- Sector 72, average annual pay$23,126
- Sector 56, employment2,806
- Sector 23, employment1,358
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 10,149 | 116 | $59,632 |
| Sector 44-45 | 4,085 | 247 | $34,824 |
| Sector 62 | 3,685 | 202 | $53,710 |
| Sector 72 | 2,865 | 142 | $23,126 |
| Sector 56 | 2,806 | 94 | $39,831 |
| Sector 23 | 1,358 | 114 | $65,505 |
| Sector 42 | 1,067 | 78 | $79,854 |
| Sector 81 | 539 | 102 | $40,396 |
The largest sector is the biggest private employer group at 10,149 jobs, 30.3 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.
Hamblen County
What businesses operate in Hamblen County
- Establishments, all industries1,339
- Employment at those establishments30,301
- Annual payroll$1.37 bn
- Establishments per 1,000 residents20.4
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.
Hamblen County
What is being built in Hamblen County
- Housing units authorised by permit, 2024298
- Declared construction value permitted$65.5 m
- Single family units authorised215
- Multifamily units authorised83
- Multifamily share of units27.9 percent
- Average declared value per unit$219,691
- Units authorised per 1,000 households11.4
Multifamily is 27.9 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Hamblen County
How much SBA lending happens in Hamblen County
- 7(a) approvals recorded22
- 7(a) gross approval dollars$13.3 m
- Average 7(a) approval$603,614
- Median 7(a) approval$275,000
- 10th percentile approval$25,000
- 90th percentile approval$1,240,000
- Largest single approval$4,100,000
- Jobs reported supported, 7(a)152
- Jobs per approval6.9
- Distinct 7(a) lenders active13
- Distinct industries receiving approvals17
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer13.6 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter18
- Franchise loans1
- Franchise share of approvals4.5 percent
- Leading industry by approval countNew Single-Family Housing Construction (except For-Sale Builders) (3)
- Most active lenderNewtek Bank, National Association (3)
- 504 approvals recorded4
- 504 gross approval dollars$4.5 m
- Average 504 approval$1,126,250
- Median 504 approval$1,320,000
- Distinct CDCs active1
- 504 jobs per approval39.0
- 504 jobs per million dollars approved34.6
- Most active CDCBrightbridge, Inc. (4)
- 7(a) share of SBA approvals84.6 percent
- Combined SBA approval dollars$17.8 m
The average approval of $603,614 sits well above the median of $275,000, 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 13.6 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.
Hamblen County
Do SBA loans in Hamblen County get paid back
- Loans with a final outcome recorded3
- Paid in full2
- Charged off1
- Status: Paid in full2
- Status: Exempt from disclosure14
- Status: Charged off1
- Status: Cancelled2
- Status: Committed, not yet disbursed3
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.
Hamblen County
Which parts of Hamblen County get the lending
- Places in the county with recorded lending2
- MORRISTOWN, approvals20
- TALBOTT, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| MORRISTOWN | 20 | $12,297,500 |
| TALBOTT | 2 | $982,000 |
MORRISTOWN accounts for 20 approvals against 2 in TALBOTT. 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.
Hamblen County
How big is Hamblen County
- Land area161 sq mi
- Rank by land area among Tennessee counties93rd of 95
- Width, east to west21.5 mi
- Height, north to south18 mi
- Geographies sharing a boundary5
- Residents per square mile of land408
- Establishments per square mile8.32
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 Hamblen 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 Hamblen County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population65,669
- Households26,146
- Average household size2.51
- Median household income$55,454
- Median age40.1
Common questions
Hamblen County questions, answered from the record.
How many people live in Hamblen County, Tennessee?
65,669, in 26,146 households, ranking 21st of 95 Tennessee counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Hamblen County growing?
The population has grown 4.99 percent since the 2020 census base. In 2024 there were 788 births against 891 deaths, with net migration of 1,353. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Hamblen County?
$55,454. The median owner-occupied home is valued at $210,900, which is 3.8 times income, and median gross rent is $857 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Hamblen County?
1,339 establishments, employing 30,301 people with an annual payroll of $1.37 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 Hamblen County?
Average annual pay is $50,942, or $980 a week, across 33,531 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Hamblen County?
22 7(a) approvals totalling $13.3 m since FY2020, across 13 lenders, with a median approval of $275,000, plus 4 504 approvals worth $4.5 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Hamblen County?
298 housing units were authorised by permit in 2024, with a declared construction value of $65.5 m. Multifamily was 27.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Hamblen 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 Hamblen County come from?
The largest single origin is Hamblen County Non-migrants, with 22,373 households. Arriving households report an average income of $60,069 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 Hamblen 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 Hamblen 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.