Hardin County, Tennessee: commercial real estate data.
Hardin County, Tennessee has a population of 27,249 across 577 square miles, up 2.4 percent since the 2020 census base. County output reached $1.38 bn in 2024, 535 establishments operate here, and the SBA record carries 2 7(a) approvals worth $1.1 m.
114 sourced county values · tier FULL · 11 sections
Hardin County
How many people live in Hardin County
- Population27,249
- Households11,001
- Average household size2.48
- Median household income$49,956
- Median age45.1
- Median gross rent$775 per month
- Median owner-occupied home value$160,400
- Home value to household income3.2 times
- Annual rent as a share of median income18.6 percent
- Adults 25 and over with a bachelor degree or higher15.1 percent
- Adults 25 and over with a graduate degree5.4 percent
- Adults 25 and over19,673
- Population under 185,487
- Share under 1820.1 percent
- Population 65 and over6,395
- Share 65 and over23.5 percent
- Working age population, 18 to 6415,367
- Civilian labor force11,620
- Unemployment rate4.7 percent
- Labor force participation, adults 18 and over53.4 percent
- Rank by population among Tennessee counties55th of 95
- Rank by population among US county-equivalents1569th
Hardin County is the 55th largest of 95 Tennessee counties by population. A median home costs 3.2 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 23.5 percent against 20.1 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Hardin County
Is Hardin County growing
- Population change since the 2020 census base2.37 percent
- Census 2020 base population26,977
- Births, 2024287
- Deaths, 2024469
- Natural change, 2024-182
- Net domestic migration, 2024345
- Net international migration, 20245
- Total net migration, 2024350
- Cumulative net domestic migration, 2021 to 20241,447
- Rank by growth among US county-equivalents1046th
The county has grown 2.37 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.
Hardin County
Where people moving to Hardin County come from
- Tax returns filed by households arriving699
- People arriving, from those returns1,373
- Adjusted gross income arriving$44.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$64,094
- Largest single originHardin County Non-migrants (9,018 households)
- Largest single destination (9,018 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Hardin County Non-migrants | 9,018 | 18,821 | $590.5 m |
| Other flows - Different State | 355 | 700 | $24.8 m |
| Other flows - South | 186 | 372 | $14.3 m |
| Other flows - Same State | 125 | 233 | $6.2 m |
| McNairy County | 124 | 267 | $5.9 m |
| Other flows - West | 73 | 136 | $5.0 m |
| Other flows - Midwest | 67 | 140 | $4.0 m |
| Shelby County | 50 | 87 | $5.3 m |
The largest single source of arrivals is Hardin 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.
Hardin County
What the Hardin County economy runs on
- County GDP, 2024$1.38 bn
- County GDP, 2023$1.31 bn
- GDP change, 2023 to 20245.3 percent
- GDP change over five years37.6 percent
- Rank by GDP among Tennessee counties49th
- Rank by GDP among US county-equivalents1578th
- GDP per resident$50,546
Output grew 5.3 percent in the latest year and 37.6 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.
Hardin County
Who employs people in Hardin County
- Covered employment, annual average8,376
- Establishments reporting640
- Average annual pay$50,188
- Average weekly wage$965
- Sector 31-33, employment1,967
- Sector 31-33, average annual pay$79,906
- Sector 44-45, employment1,366
- Sector 44-45, average annual pay$37,436
- Sector 72, employment826
- Sector 72, average annual pay$18,738
- Sector 23, employment333
- Sector 23, average annual pay$50,363
- Sector 52, employment210
- Sector 81, employment165
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 1,967 | 35 | $79,906 |
| Sector 44-45 | 1,366 | 123 | $37,436 |
| Sector 72 | 826 | 70 | $18,738 |
| Sector 23 | 333 | 52 | $50,363 |
| Sector 52 | 210 | 36 | $68,549 |
| Sector 81 | 165 | 44 | $31,207 |
| Sector 42 | 132 | 22 | $59,815 |
| Sector 51 | 52 | 12 | $47,736 |
The largest sector is the biggest private employer group at 1,967 jobs, 23.5 percent of covered employment. Average pay per job exceeds median household income, which usually means single earner households and a wage base that can carry rent.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Hardin County
What businesses operate in Hardin County
- Establishments, all industries535
- Employment at those establishments7,802
- Annual payroll$348.6 m
- Establishments per 1,000 residents19.6
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.
Hardin County
What is being built in Hardin County
- Housing units authorised by permit, 202424
- Declared construction value permitted$3.4 m
- Single family units authorised12
- Multifamily units authorised12
- Multifamily share of units50.0 percent
- Average declared value per unit$142,917
- Units authorised per 1,000 households2.2
Multifamily is 50.0 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Hardin County
How much SBA lending happens in Hardin County
- 7(a) approvals recorded2
- 7(a) gross approval dollars$1.1 m
- Average 7(a) approval$540,000
- Median 7(a) approval$730,000
- 10th percentile approval$350,000
- 90th percentile approval$730,000
- Largest single approval$730,000
- Jobs reported supported, 7(a)13
- Jobs per approval6.5
- Distinct 7(a) lenders active2
- Distinct industries receiving approvals2
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer0.0 percent
- Loans on real estate terms0
- Loans on working capital terms, 120 months or shorter2
- Franchise loans1
- Franchise share of approvals50.0 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (1)
- Most active lenderMetro City Bank (1)
- 504 approvals recorded1
- 504 gross approval dollars$2.8 m
- Average 504 approval$2,792,000
- Median 504 approval$2,792,000
- Distinct CDCs active1
- 504 jobs per approval11.0
- 504 jobs per million dollars approved3.9
- Most active CDCSouth Central Tennessee Business Development Corporation (1)
- 7(a) share of SBA approvals66.7 percent
- Combined SBA approval dollars$3.9 m
The average approval of $540,000 sits close to the median of $730,000, so lending here is fairly evenly sized rather than driven by a few large deals. Only 0.0 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.
Hardin County
Do SBA loans in Hardin County get paid back
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure2
Too few loans have reached a final outcome to publish a charge off rate. only 0 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.
Hardin County
Which parts of Hardin County get the lending
- Places in the county with recorded lending2
- COUNCE, approvals1
- SAVANNAH, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| COUNCE | 1 | $730,000 |
| SAVANNAH | 1 | $350,000 |
COUNCE accounts for 1 approvals against 1 in SAVANNAH. 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.
Hardin County
How big is Hardin County
- Land area577 sq mi
- Rank by land area among Tennessee counties18th of 95
- Width, east to west22.5 mi
- Height, north to south29.5 mi
- Geographies sharing a boundary5
- Residents per square mile of land47
- Establishments per square mile0.93
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 Hardin 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 Hardin County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population27,249
- Households11,001
- Average household size2.48
- Median household income$49,956
- Median age45.1
Common questions
Hardin County questions, answered from the record.
How many people live in Hardin County, Tennessee?
27,249, in 11,001 households, ranking 55th of 95 Tennessee counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Hardin County growing?
The population has grown 2.37 percent since the 2020 census base. In 2024 there were 287 births against 469 deaths, with net migration of 350. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Hardin County?
$49,956. The median owner-occupied home is valued at $160,400, which is 3.2 times income, and median gross rent is $775 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Hardin County?
535 establishments, employing 7,802 people with an annual payroll of $348.6 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 Hardin County?
Average annual pay is $50,188, or $965 a week, across 8,376 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Hardin County?
2 7(a) approvals totalling $1.1 m since FY2020, across 2 lenders, with a median approval of $730,000, plus 1 504 approvals worth $2.8 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Hardin County?
24 housing units were authorised by permit in 2024, with a declared construction value of $3.4 m. Multifamily was 50.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Hardin County?
Zone 2, a predicted average indoor radon screening level from 2 to 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 Hardin County come from?
The largest single origin is Hardin County Non-migrants, with 9,018 households. Arriving households report an average income of $64,094 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 Hardin 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 Hardin 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.