McNairy County, Tennessee: commercial real estate data.
McNairy County, Tennessee has a population of 25,970 across 563 square miles, up 1.0 percent since the 2020 census base. County output reached $786.7 m in 2024, 436 establishments operate here, and the SBA record carries 2 7(a) approvals worth $365,000.
114 sourced county values · tier FULL · 11 sections
McNairy County
How many people live in McNairy County
- Population25,970
- Households9,939
- Average household size2.61
- Median household income$53,473
- Median age42.9
- Median gross rent$723 per month
- Median owner-occupied home value$161,800
- Home value to household income3.0 times
- Annual rent as a share of median income16.2 percent
- Adults 25 and over with a bachelor degree or higher13.0 percent
- Adults 25 and over with a graduate degree4.3 percent
- Adults 25 and over18,325
- Population under 185,600
- Share under 1821.6 percent
- Population 65 and over5,410
- Share 65 and over20.8 percent
- Working age population, 18 to 6414,960
- Civilian labor force11,264
- Unemployment rate5.8 percent
- Labor force participation, adults 18 and over55.3 percent
- Rank by population among Tennessee counties57th of 95
- Rank by population among US county-equivalents1616th
McNairy County is the 57th largest of 95 Tennessee counties by population. A median home costs 3.0 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 21.6 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.
McNairy County
Is McNairy County growing
- Population change since the 2020 census base0.96 percent
- Census 2020 base population25,855
- Births, 2024291
- Deaths, 2024486
- Natural change, 2024-195
- Net domestic migration, 2024237
- Net international migration, 2024-2
- Total net migration, 2024235
- Cumulative net domestic migration, 2021 to 2024964
- Rank by growth among US county-equivalents1495th
The county has grown 0.96 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.
McNairy County
Where people moving to McNairy County come from
- Tax returns filed by households arriving642
- People arriving, from those returns1,224
- Adjusted gross income arriving$33.1 m
- Net adjusted gross income movement$0
- Average income of an arriving household$51,618
- Largest single originMcNairy County Non-migrants (8,541 households)
- Largest single destination (8,541 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| McNairy County Non-migrants | 8,541 | 18,170 | $467.1 m |
| Other flows - Different State | 239 | 474 | $12.2 m |
| Other flows - South | 140 | 267 | $6.5 m |
| Hardin County | 122 | 242 | $5.6 m |
| Other flows - Same State | 101 | 172 | $4.4 m |
| Alcorn County | 58 | 100 | $4.0 m |
| Other flows - Midwest | 53 | 104 | $3.2 m |
| Other flows - West | 46 | 103 | $2.5 m |
The largest single source of arrivals is McNairy 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.
McNairy County
What the McNairy County economy runs on
- County GDP, 2024$786.7 m
- County GDP, 2023$735.0 m
- GDP change, 2023 to 20247.0 percent
- GDP change over five years39.2 percent
- Rank by GDP among Tennessee counties66th
- Rank by GDP among US county-equivalents2039th
- GDP per resident$30,292
Output grew 7.0 percent in the latest year and 39.2 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.
McNairy County
Who employs people in McNairy County
- Covered employment, annual average5,600
- Establishments reporting544
- Average annual pay$44,747
- Average weekly wage$861
- Sector 31-33, employment1,236
- Sector 31-33, average annual pay$51,317
- Sector 44-45, employment627
- Sector 44-45, average annual pay$27,931
- Sector 56, employment321
- Sector 56, average annual pay$46,847
- Sector 42, employment254
- Sector 42, average annual pay$66,378
- Sector 23, employment200
- Sector 52, employment129
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 1,236 | 42 | $51,317 |
| Sector 44-45 | 627 | 85 | $27,931 |
| Sector 56 | 321 | 30 | $46,847 |
| Sector 42 | 254 | 26 | $66,378 |
| Sector 23 | 200 | 54 | $50,470 |
| Sector 52 | 129 | 37 | $52,938 |
| Sector 81 | 98 | 26 | $45,961 |
| Sector 53 | 27 | 12 | $45,998 |
The largest sector is the biggest private employer group at 1,236 jobs, 22.1 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.
McNairy County
What businesses operate in McNairy County
- Establishments, all industries436
- Employment at those establishments4,294
- Annual payroll$154.2 m
- Establishments per 1,000 residents16.8
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.
McNairy County
What is being built in McNairy County
- Housing units authorised by permit, 20247
- Declared construction value permitted$2.2 m
- Single family units authorised7
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$307,857
- Units authorised per 1,000 households0.7
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
McNairy County
How much SBA lending happens in McNairy County
- 7(a) approvals recorded2
- 7(a) gross approval dollars$365,000
- Average 7(a) approval$182,500
- Median 7(a) approval$350,000
- 10th percentile approval$15,000
- 90th percentile approval$350,000
- Largest single approval$350,000
- Jobs reported supported, 7(a)32
- Jobs per approval16.0
- 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 loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countPrinting Ink Manufacturing (1)
- Most active lenderRenasant Bank (1)
- 504 approvals recorded2
- 504 gross approval dollars$431,000
- Average 504 approval$215,500
- Median 504 approval$224,000
- Distinct CDCs active1
- 504 jobs per approval0.0
- 504 jobs per million dollars approved0.0
- Most active CDCSouth Central Tennessee Business Development Corporation (2)
- 7(a) share of SBA approvals50.0 percent
- Combined SBA approval dollars$796,000
The average approval of $182,500 sits close to the median of $350,000, 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.
McNairy County
Do SBA loans in McNairy 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.
McNairy County
Which parts of McNairy County get the lending
- Places in the county with recorded lending2
- ADAMSVILLE, approvals1
- BETHEL SPRINGS, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| ADAMSVILLE | 1 | $350,000 |
| BETHEL SPRINGS | 1 | $15,000 |
ADAMSVILLE accounts for 1 approvals against 1 in BETHEL SPRINGS. 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.
McNairy County
How big is McNairy County
- Land area563 sq mi
- Rank by land area among Tennessee counties21st of 95
- Width, east to west24 mi
- Height, north to south26.6 mi
- Geographies sharing a boundary3
- Residents per square mile of land46
- Establishments per square mile0.77
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 McNairy 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 McNairy County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population25,970
- Households9,939
- Average household size2.61
- Median household income$53,473
- Median age42.9
Common questions
McNairy County questions, answered from the record.
How many people live in McNairy County, Tennessee?
25,970, in 9,939 households, ranking 57th of 95 Tennessee counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is McNairy County growing?
The population has grown 0.96 percent since the 2020 census base. In 2024 there were 291 births against 486 deaths, with net migration of 235. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in McNairy County?
$53,473. The median owner-occupied home is valued at $161,800, which is 3.0 times income, and median gross rent is $723 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in McNairy County?
436 establishments, employing 4,294 people with an annual payroll of $154.2 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 McNairy County?
Average annual pay is $44,747, or $861 a week, across 5,600 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in McNairy County?
2 7(a) approvals totalling $365,000 since FY2020, across 2 lenders, with a median approval of $350,000, plus 2 504 approvals worth $431,000. These are approvals recorded in the release, not loans disbursed.
What is being built in McNairy County?
7 housing units were authorised by permit in 2024, with a declared construction value of $2.2 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for McNairy 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 McNairy County come from?
The largest single origin is McNairy County Non-migrants, with 8,541 households. Arriving households report an average income of $51,618 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 McNairy 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 McNairy 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.