Sumner County, Tennessee: commercial real estate data.
Sumner County, Tennessee has a population of 204,424 across 529 square miles, up 7.9 percent since the 2020 census base. County output reached $11.89 bn in 2024, 3,875 establishments operate here, and the SBA record carries 172 7(a) approvals worth $104.9 m.
123 sourced county values · tier FULL · 11 sections
Sumner County
How many people live in Sumner County
- Population204,424
- Households78,582
- Average household size2.60
- Median household income$90,301
- Median age39.8
- Median gross rent$1,424 per month
- Median owner-occupied home value$393,100
- Home value to household income4.4 times
- Annual rent as a share of median income18.9 percent
- Adults 25 and over with a bachelor degree or higher33.6 percent
- Adults 25 and over with a graduate degree11.7 percent
- Adults 25 and over141,642
- Population under 1847,217
- Share under 1823.1 percent
- Population 65 and over34,031
- Share 65 and over16.6 percent
- Working age population, 18 to 64123,176
- Civilian labor force109,689
- Unemployment rate3.6 percent
- Labor force participation, adults 18 and over69.8 percent
- Rank by population among Tennessee counties8th of 95
- Rank by population among US county-equivalents344th
Sumner County is the 8th largest of 95 Tennessee counties by population. A median home costs 4.4 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 23.1 percent against 16.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Sumner County
Is Sumner County growing
- Population change since the 2020 census base7.87 percent
- Census 2020 base population196,280
- Births, 20242,373
- Deaths, 20242,056
- Natural change, 2024317
- Net domestic migration, 20242,642
- Net international migration, 2024339
- Total net migration, 20242,981
- Cumulative net domestic migration, 2021 to 202412,585
- Rank by growth among US county-equivalents246th
The county has grown 7.87 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Sumner County
Where people moving to Sumner County come from
- Tax returns filed by households arriving7,858
- People arriving, from those returns14,287
- Adjusted gross income arriving$665.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$84,733
- Largest single originSumner County Non-migrants (73,036 households)
- Largest single destination (73,036 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Sumner County Non-migrants | 73,036 | 154,719 | $7.74 bn |
| Other flows - Different State | 2,581 | 4,822 | $252.6 m |
| Davidson County | 2,032 | 3,482 | $138.6 m |
| Other flows - South | 1,244 | 2,264 | $122.5 m |
| Other flows - Midwest | 568 | 1,044 | $51.5 m |
| Robertson County | 516 | 998 | $36.4 m |
| Other flows - West | 458 | 946 | $44.2 m |
| Wilson County | 315 | 556 | $21.8 m |
The largest single source of arrivals is Sumner 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.
Sumner County
What the Sumner County economy runs on
- County GDP, 2024$11.89 bn
- County GDP, 2023$11.02 bn
- GDP change, 2023 to 20247.9 percent
- GDP change over five years54.7 percent
- Rank by GDP among Tennessee counties7th
- Rank by GDP among US county-equivalents384th
- GDP per resident$58,179
Output grew 7.9 percent in the latest year and 54.7 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.
Sumner County
Who employs people in Sumner County
- Covered employment, annual average62,665
- Establishments reporting5,597
- Average annual pay$59,304
- Average weekly wage$1,140
- Sector 62, employment7,933
- Sector 62, average annual pay$59,987
- Sector 44-45, employment7,821
- Sector 44-45, average annual pay$38,654
- Sector 31-33, employment7,578
- Sector 31-33, average annual pay$70,992
- Sector 72, employment7,210
- Sector 72, average annual pay$24,362
- Sector 23, employment4,300
- Sector 56, employment3,449
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 7,933 | 597 | $59,987 |
| Sector 44-45 | 7,821 | 556 | $38,654 |
| Sector 31-33 | 7,578 | 290 | $70,992 |
| Sector 72 | 7,210 | 366 | $24,362 |
| Sector 23 | 4,300 | 572 | $80,838 |
| Sector 56 | 3,449 | 361 | $59,449 |
| Sector 54 | 3,325 | 794 | $77,755 |
| Sector 48-49 | 2,744 | 146 | $53,030 |
The largest sector is the biggest private employer group at 7,933 jobs, 12.7 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.
Sumner County
What businesses operate in Sumner County
- Establishments, all industries3,875
- Employment at those establishments56,402
- Annual payroll$2.97 bn
- Establishments per 1,000 residents19.0
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.
Sumner County
What is being built in Sumner County
- Housing units authorised by permit, 20241,778
- Declared construction value permitted$621.6 m
- Single family units authorised1,620
- Multifamily units authorised158
- Multifamily share of units8.9 percent
- Average declared value per unit$349,587
- Units authorised per 1,000 households22.6
Multifamily is 8.9 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Sumner County
How much SBA lending happens in Sumner County
- 7(a) approvals recorded172
- 7(a) gross approval dollars$104.9 m
- Average 7(a) approval$610,106
- Median 7(a) approval$232,700
- 10th percentile approval$28,000
- 90th percentile approval$1,725,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,796
- Jobs per approval10.4
- Distinct 7(a) lenders active43
- Distinct industries receiving approvals80
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer12.2 percent
- Loans on real estate terms21
- Loans on working capital terms, 120 months or shorter139
- Franchise loans36
- Franchise share of approvals20.9 percent
- Leading industry by approval countPlumbing, Heating, and Air-Conditioning Contractors (10)
- Most active lenderU.S. Bank, National Association (29)
- 504 approvals recorded12
- 504 gross approval dollars$10.6 m
- Average 504 approval$886,167
- Median 504 approval$627,000
- Distinct CDCs active4
- 504 jobs per approval13.2
- 504 jobs per million dollars approved14.9
- Most active CDCBrightbridge, Inc. (6)
- 7(a) share of SBA approvals93.5 percent
- Combined SBA approval dollars$115.6 m
The average approval of $610,106 sits well above the median of $232,700, 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 12.2 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.
Sumner County
Do SBA loans in Sumner County get paid back
- Loans with a final outcome recorded32
- Paid in full30
- Charged off2
- Charge off rate on resolved loans6.3 percent
- Status: Paid in full30
- Status: Cancelled19
- Status: Exempt from disclosure111
- Status: Committed, not yet disbursed10
- Status: Charged off2
Of the 32 loans that have reached a final outcome, 6.3 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Sumner County
Which parts of Sumner County get the lending
- Places in the county with recorded lending9
- HENDERSONVILLE, approvals84
- GALLATIN, approvals65
- PORTLAND, approvals9
- GOODLETTSVILLE, approvals7
- WHITE HOUSE, approvals2
- BETHPAGE, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| HENDERSONVILLE | 84 | $44,310,600 |
| GALLATIN | 65 | $41,926,300 |
| PORTLAND | 9 | $4,415,800 |
| GOODLETTSVILLE | 7 | $11,928,600 |
| WHITE HOUSE | 2 | $936,000 |
| BETHPAGE | 2 | $1,046,000 |
| Cottontown | 1 | $300,000 |
| WESTMORELAND | 1 | $25,000 |
HENDERSONVILLE accounts for 84 approvals against 65 in GALLATIN. 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.
Sumner County
How big is Sumner County
- Land area529 sq mi
- Rank by land area among Tennessee counties32nd of 95
- Width, east to west30.5 mi
- Height, north to south28.1 mi
- Geographies sharing a boundary5
- Residents per square mile of land386
- Establishments per square mile7.33
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 Sumner 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 Sumner County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population204,424
- Households78,582
- Average household size2.60
- Median household income$90,301
- Median age39.8
Common questions
Sumner County questions, answered from the record.
How many people live in Sumner County, Tennessee?
204,424, in 78,582 households, ranking 8th of 95 Tennessee counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Sumner County growing?
The population has grown 7.87 percent since the 2020 census base. In 2024 there were 2,373 births against 2,056 deaths, with net migration of 2,981. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Sumner County?
$90,301. The median owner-occupied home is valued at $393,100, which is 4.4 times income, and median gross rent is $1,424 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Sumner County?
3,875 establishments, employing 56,402 people with an annual payroll of $2.97 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 Sumner County?
Average annual pay is $59,304, or $1,140 a week, across 62,665 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Sumner County?
172 7(a) approvals totalling $104.9 m since FY2020, across 43 lenders, with a median approval of $232,700, plus 12 504 approvals worth $10.6 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Sumner County get paid back?
Of the 32 loans that have reached a final outcome, 30 were paid in full and 2 charged off, a charge off rate of 6.3 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Sumner County?
1,778 housing units were authorised by permit in 2024, with a declared construction value of $621.6 m. Multifamily was 8.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Sumner 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 Sumner County come from?
The largest single origin is Sumner County Non-migrants, with 73,036 households. Arriving households report an average income of $84,733 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 Sumner 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 Sumner 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.