McMinn County, Tennessee: commercial real estate data.
McMinn County, Tennessee has a population of 54,884 across 430 square miles, up 6.5 percent since the 2020 census base. County output reached $2.69 bn in 2024, 935 establishments operate here, and the SBA record carries 17 7(a) approvals worth $18.5 m.
119 sourced county values · tier FULL · 11 sections
McMinn County
How many people live in McMinn County
- Population54,884
- Households21,218
- Average household size2.59
- Median household income$61,470
- Median age42.4
- Median gross rent$803 per month
- Median owner-occupied home value$211,800
- Home value to household income3.4 times
- Annual rent as a share of median income15.7 percent
- Adults 25 and over with a bachelor degree or higher18.6 percent
- Adults 25 and over with a graduate degree6.5 percent
- Adults 25 and over38,683
- Population under 1811,627
- Share under 1821.2 percent
- Population 65 and over11,139
- Share 65 and over20.3 percent
- Working age population, 18 to 6432,118
- Civilian labor force25,031
- Unemployment rate4.9 percent
- Labor force participation, adults 18 and over57.9 percent
- Rank by population among Tennessee counties31st of 95
- Rank by population among US county-equivalents949th
McMinn County is the 31st largest of 95 Tennessee counties by population. A median home costs 3.4 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 21.2 percent against 20.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
McMinn County
Is McMinn County growing
- Population change since the 2020 census base6.53 percent
- Census 2020 base population53,274
- Births, 2024623
- Deaths, 2024725
- Natural change, 2024-102
- Net domestic migration, 20241,099
- Net international migration, 202438
- Total net migration, 20241,137
- Cumulative net domestic migration, 2021 to 20244,230
- Rank by growth among US county-equivalents346th
The county has grown 6.53 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.
McMinn County
Where people moving to McMinn County come from
- Tax returns filed by households arriving1,694
- People arriving, from those returns3,333
- Adjusted gross income arriving$88.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$52,429
- Largest single originMcMinn County Non-migrants (18,805 households)
- Largest single destination (18,805 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| McMinn County Non-migrants | 18,805 | 39,282 | $1.17 bn |
| Other flows - Different State | 707 | 1,353 | $44.4 m |
| Other flows - South | 393 | 728 | $22.0 m |
| Bradley County | 215 | 414 | $9.1 m |
| Monroe County | 205 | 400 | $8.3 m |
| Other flows - West | 144 | 319 | $12.3 m |
| Other flows - Same State | 135 | 254 | $5.9 m |
| Other flows - Midwest | 104 | 185 | $5.7 m |
The largest single source of arrivals is McMinn 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.
McMinn County
What the McMinn County economy runs on
- County GDP, 2024$2.69 bn
- County GDP, 2023$2.57 bn
- GDP change, 2023 to 20244.4 percent
- GDP change over five years19.9 percent
- Rank by GDP among Tennessee counties29th
- Rank by GDP among US county-equivalents1059th
- GDP per resident$48,923
Output grew 4.4 percent in the latest year and 19.9 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.
McMinn County
Who employs people in McMinn County
- Covered employment, annual average17,207
- Establishments reporting1,098
- Average annual pay$50,929
- Average weekly wage$979
- Sector 31-33, employment5,160
- Sector 31-33, average annual pay$68,405
- Sector 44-45, employment2,264
- Sector 44-45, average annual pay$31,901
- Sector 62, employment2,031
- Sector 62, average annual pay$51,290
- Sector 72, employment1,560
- Sector 72, average annual pay$19,426
- Sector 56, employment839
- Sector 23, employment621
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 5,160 | 92 | $68,405 |
| Sector 44-45 | 2,264 | 182 | $31,901 |
| Sector 62 | 2,031 | 138 | $51,290 |
| Sector 72 | 1,560 | 103 | $19,426 |
| Sector 56 | 839 | 48 | $42,578 |
| Sector 23 | 621 | 76 | $70,789 |
| Sector 52 | 522 | 82 | $72,290 |
| Sector 48-49 | 398 | 30 | $55,128 |
The largest sector is the biggest private employer group at 5,160 jobs, 30.0 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.
McMinn County
What businesses operate in McMinn County
- Establishments, all industries935
- Employment at those establishments17,156
- Annual payroll$798.6 m
- Establishments per 1,000 residents17.0
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.
McMinn County
What is being built in McMinn County
- Housing units authorised by permit, 202438
- Declared construction value permitted$6.1 m
- Single family units authorised24
- Multifamily units authorised14
- Multifamily share of units36.8 percent
- Average declared value per unit$161,104
- Units authorised per 1,000 households1.8
Multifamily is 36.8 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
McMinn County
How much SBA lending happens in McMinn County
- 7(a) approvals recorded17
- 7(a) gross approval dollars$18.5 m
- Average 7(a) approval$1,090,776
- Median 7(a) approval$350,000
- 10th percentile approval$20,000
- 90th percentile approval$4,043,800
- Largest single approval$4,493,000
- Jobs reported supported, 7(a)361
- Jobs per approval21.2
- Distinct 7(a) lenders active10
- Distinct industries receiving approvals13
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer41.2 percent
- Loans on real estate terms7
- Loans on working capital terms, 120 months or shorter9
- Franchise loans4
- Franchise share of approvals23.5 percent
- Leading industry by approval countGeneral Freight Trucking, Long-Distance, Less Than Truckload (2)
- Most active lenderU.S. Bank, National Association (4)
- 504 approvals recorded1
- 504 gross approval dollars$492,000
- Average 504 approval$492,000
- Median 504 approval$492,000
- Distinct CDCs active1
- 504 jobs per approval20.0
- 504 jobs per million dollars approved40.7
- Most active CDCBrightbridge, Inc. (1)
- 7(a) share of SBA approvals94.4 percent
- Combined SBA approval dollars$19.0 m
The average approval of $1,090,776 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. 41.2 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.
McMinn County
Do SBA loans in McMinn County get paid back
- Loans with a final outcome recorded8
- Paid in full8
- Charged off0
- Status: Paid in full8
- Status: Exempt from disclosure8
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 8 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.
McMinn County
Which parts of McMinn County get the lending
- Places in the county with recorded lending5
- ATHENS, approvals11
- RICEVILLE, approvals3
- ETOWAH, approvals1
- Englewood, approvals1
- NIOTA, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| ATHENS | 11 | $11,178,100 |
| RICEVILLE | 3 | $5,477,000 |
| ETOWAH | 1 | $1,547,000 |
| Englewood | 1 | $268,500 |
| NIOTA | 1 | $72,600 |
ATHENS accounts for 11 approvals against 3 in RICEVILLE. 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.
McMinn County
How big is McMinn County
- Land area430 sq mi
- Rank by land area among Tennessee counties53rd of 95
- Width, east to west25.8 mi
- Height, north to south27.9 mi
- Geographies sharing a boundary6
- Residents per square mile of land128
- Establishments per square mile2.17
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 McMinn 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 McMinn County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population54,884
- Households21,218
- Average household size2.59
- Median household income$61,470
- Median age42.4
Common questions
McMinn County questions, answered from the record.
How many people live in McMinn County, Tennessee?
54,884, in 21,218 households, ranking 31st of 95 Tennessee counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is McMinn County growing?
The population has grown 6.53 percent since the 2020 census base. In 2024 there were 623 births against 725 deaths, with net migration of 1,137. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in McMinn County?
$61,470. The median owner-occupied home is valued at $211,800, which is 3.4 times income, and median gross rent is $803 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in McMinn County?
935 establishments, employing 17,156 people with an annual payroll of $798.6 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 McMinn County?
Average annual pay is $50,929, or $979 a week, across 17,207 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in McMinn County?
17 7(a) approvals totalling $18.5 m since FY2020, across 10 lenders, with a median approval of $350,000, plus 1 504 approvals worth $492,000. These are approvals recorded in the release, not loans disbursed.
What is being built in McMinn County?
38 housing units were authorised by permit in 2024, with a declared construction value of $6.1 m. Multifamily was 36.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for McMinn 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 McMinn County come from?
The largest single origin is McMinn County Non-migrants, with 18,805 households. Arriving households report an average income of $52,429 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 McMinn 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 McMinn 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.