Humphreys County, Tennessee: commercial real estate data.
Humphreys County, Tennessee has a population of 19,214 across 531 square miles, up 3.0 percent since the 2020 census base. County output reached $1.14 bn in 2024, 332 establishments operate here, and the SBA record carries 8 7(a) approvals worth $1.7 m.
118 sourced county values · tier FULL · 11 sections
Humphreys County
How many people live in Humphreys County
- Population19,214
- Households7,241
- Average household size2.65
- Median household income$60,616
- Median age43.3
- Median gross rent$862 per month
- Median owner-occupied home value$193,400
- Home value to household income3.2 times
- Annual rent as a share of median income17.1 percent
- Adults 25 and over with a bachelor degree or higher15.7 percent
- Adults 25 and over with a graduate degree4.7 percent
- Adults 25 and over13,698
- Population under 184,062
- Share under 1821.1 percent
- Population 65 and over3,990
- Share 65 and over20.8 percent
- Working age population, 18 to 6411,162
- Civilian labor force8,615
- Unemployment rate6.9 percent
- Labor force participation, adults 18 and over56.9 percent
- Rank by population among Tennessee counties69th of 95
- Rank by population among US county-equivalents1929th
Humphreys County is the 69th 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 under 18 outnumber those 65 and over, at 21.1 percent against 20.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Humphreys County
Is Humphreys County growing
- Population change since the 2020 census base3.00 percent
- Census 2020 base population18,985
- Births, 2024187
- Deaths, 2024258
- Natural change, 2024-71
- Net domestic migration, 2024328
- Net international migration, 20248
- Total net migration, 2024336
- Cumulative net domestic migration, 2021 to 2024953
- Rank by growth among US county-equivalents872nd
The county has grown 3.00 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.
Humphreys County
Where people moving to Humphreys County come from
- Tax returns filed by households arriving496
- People arriving, from those returns942
- Adjusted gross income arriving$32.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$66,409
- Largest single originHumphreys County Non-migrants (6,757 households)
- Largest single destination (6,757 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Humphreys County Non-migrants | 6,757 | 14,027 | $526.3 m |
| Other flows - Different State | 153 | 309 | $11.1 m |
| Dickson County | 122 | 225 | $5.6 m |
| Other flows - Same State | 122 | 236 | $11.8 m |
| Other flows - South | 61 | 132 | $3.7 m |
| Other flows - West | 51 | 103 | $5.3 m |
| Other flows - Midwest | 41 | 74 | $2.2 m |
| Hickman County | 26 | 41 | $906,000 |
The largest single source of arrivals is Humphreys 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.
Humphreys County
What the Humphreys County economy runs on
- County GDP, 2024$1.14 bn
- County GDP, 2023$1.08 bn
- GDP change, 2023 to 20244.9 percent
- GDP change over five years39.0 percent
- Rank by GDP among Tennessee counties54th
- Rank by GDP among US county-equivalents1741st
- GDP per resident$59,220
Output grew 4.9 percent in the latest year and 39.0 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.
Humphreys County
Who employs people in Humphreys County
- Covered employment, annual average5,951
- Establishments reporting431
- Average annual pay$61,024
- Average weekly wage$1,174
- Sector 31-33, employment1,623
- Sector 31-33, average annual pay$98,084
- Sector 44-45, employment736
- Sector 44-45, average annual pay$30,583
- Sector 72, employment614
- Sector 72, average annual pay$18,723
- Sector 23, employment389
- Sector 23, average annual pay$75,532
- Sector 48-49, employment296
- Sector 56, employment163
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 1,623 | 34 | $98,084 |
| Sector 44-45 | 736 | 70 | $30,583 |
| Sector 72 | 614 | 48 | $18,723 |
| Sector 23 | 389 | 46 | $75,532 |
| Sector 48-49 | 296 | 18 | $62,749 |
| Sector 56 | 163 | 17 | $58,677 |
| Sector 42 | 139 | 14 | $62,363 |
| Sector 52 | 98 | 20 | $72,253 |
The largest sector is the biggest private employer group at 1,623 jobs, 27.3 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.
Humphreys County
What businesses operate in Humphreys County
- Establishments, all industries332
- Employment at those establishments4,458
- Annual payroll$249.5 m
- Establishments per 1,000 residents17.3
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.
Humphreys County
What is being built in Humphreys County
- Housing units authorised by permit, 202439
- Declared construction value permitted$5.4 m
- Single family units authorised39
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$138,332
- Units authorised per 1,000 households5.4
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Humphreys County
How much SBA lending happens in Humphreys County
- 7(a) approvals recorded8
- 7(a) gross approval dollars$1.7 m
- Average 7(a) approval$215,875
- Median 7(a) approval$200,000
- 10th percentile approval$70,700
- 90th percentile approval$580,000
- Largest single approval$580,000
- Jobs reported supported, 7(a)69
- Jobs per approval8.6
- Distinct 7(a) lenders active6
- Distinct industries receiving approvals5
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer12.5 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter7
- Franchise loans1
- Franchise share of approvals12.5 percent
- Leading industry by approval countLandscaping Services (4)
- Most active lenderNortheast Bank (3)
- 504 approvals recorded2
- 504 gross approval dollars$1.3 m
- Average 504 approval$638,000
- Median 504 approval$865,000
- Distinct CDCs active2
- 504 jobs per approval12.5
- 504 jobs per million dollars approved19.6
- Most active CDCSouth Central Tennessee Business Development Corporation (1)
- 7(a) share of SBA approvals80.0 percent
- Combined SBA approval dollars$3.0 m
The average approval of $215,875 sits close to the median of $200,000, so lending here is fairly evenly sized rather than driven by a few large deals. Only 12.5 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.
Humphreys County
Do SBA loans in Humphreys County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Cancelled5
- Status: Paid in full1
- Status: Exempt from disclosure2
Too few loans have reached a final outcome to publish a charge off rate. only 1 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.
Humphreys County
Which parts of Humphreys County get the lending
- Places in the county with recorded lending4
- MC EWEN, approvals3
- WAVERLY, approvals2
- McEwen, approvals2
- Hurricane Mills, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| MC EWEN | 3 | $453,000 |
| WAVERLY | 2 | $415,000 |
| McEwen | 2 | $279,000 |
| Hurricane Mills | 1 | $580,000 |
MC EWEN accounts for 3 approvals against 2 in WAVERLY. 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.
Humphreys County
How big is Humphreys County
- Land area531 sq mi
- Rank by land area among Tennessee counties31st of 95
- Width, east to west26.8 mi
- Height, north to south30.4 mi
- Geographies sharing a boundary5
- Residents per square mile of land36
- Establishments per square mile0.63
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 Humphreys 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 Humphreys County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population19,214
- Households7,241
- Average household size2.65
- Median household income$60,616
- Median age43.3
Common questions
Humphreys County questions, answered from the record.
How many people live in Humphreys County, Tennessee?
19,214, in 7,241 households, ranking 69th of 95 Tennessee counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Humphreys County growing?
The population has grown 3.00 percent since the 2020 census base. In 2024 there were 187 births against 258 deaths, with net migration of 336. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Humphreys County?
$60,616. The median owner-occupied home is valued at $193,400, which is 3.2 times income, and median gross rent is $862 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Humphreys County?
332 establishments, employing 4,458 people with an annual payroll of $249.5 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 Humphreys County?
Average annual pay is $61,024, or $1,174 a week, across 5,951 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Humphreys County?
8 7(a) approvals totalling $1.7 m since FY2020, across 6 lenders, with a median approval of $200,000, plus 2 504 approvals worth $1.3 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Humphreys County?
39 housing units were authorised by permit in 2024, with a declared construction value of $5.4 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Humphreys 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 Humphreys County come from?
The largest single origin is Humphreys County Non-migrants, with 6,757 households. Arriving households report an average income of $66,409 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 Humphreys 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 Humphreys 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.