Bradley County, Tennessee: commercial real estate data.
Bradley County, Tennessee had an estimated 113,782 residents on July 1, 2024, up 4.8 percent since the 2020 census base of 108,620, across 329 square miles. County output reached $6.67 bn in 2024, 2,074 establishments operate here, and the SBA record carries 32 7(a) approvals worth $21.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Bradley County
How many people live in Bradley County
- Population, American Community Survey 2020-2024111,065
- Households42,596
- Average household size2.61
- Median household income$66,552
- Median age39.5
- Median gross rent$1,030 per month
- Median owner-occupied home value$261,900
- Home value to household income3.9 times
- Annual rent as a share of median income18.6 percent
- Adults 25 and over with a bachelor degree or higher24.4 percent
- Adults 25 and over with a graduate degree10.1 percent
- Adults 25 and over76,308
- Population under 1824,294
- Share under 1821.9 percent
- Population 65 and over19,245
- Share 65 and over17.3 percent
- Working age population, 18 to 6467,526
- Civilian labor force55,346
- Unemployment rate6.6 percent
- Labor force participation, adults 18 and over63.8 percent
- Rank by population among Tennessee counties13th of 95
- Rank by population among US county-equivalents, Puerto Rico included567th of 3,222
Bradley County is the 13th largest of 95 Tennessee counties by population. A median home costs 3.9 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 21.9 percent against 17.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Bradley County
Is Bradley County's population growing?
- Population, July 1, 2024113,782
- Census 2020 base population108,620
- Population change since the 2020 census base4.75 percent
- Population change, 2023 to 20241,650
- Births, 20241,211
- Deaths, 20241,215
- Natural change, 2024-4
- Net domestic migration, 20241,222
- Net international migration, 2024428
- Total net migration, 20241,650
- Cumulative net domestic migration, 2021 to 20244,579
- Rank by growth among US county-equivalents566th of 3,144
The county has grown 4.75 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration 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.
Bradley County
Where are people moving to Bradley County from?
- Tax returns filed by households arriving2,991
- People arriving, from those returns5,650
- Tax returns filed by households leaving2,516
- Net household movement475
- Adjusted gross income arriving$179.5 m
- Net adjusted gross income movement$46.1 m
- Average income of an arriving household$60,010
- Average income of a leaving household$53,009
- Largest single originHamilton County (651 households)
- Largest single destinationHamilton County (573 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Hamilton County | 651 | 1,195 | $39.4 m |
| McMinn County | 216 | 430 | $8.8 m |
| Polk County | 165 | 345 | $6.4 m |
| Meigs County | 55 | 102 | $2.3 m |
| Catoosa County | 54 | 99 | $2.7 m |
| Knox County | 47 | 84 | $3.0 m |
| Whitfield County | 37 | 64 | $1.4 m |
| Walker County | 30 | 48 | $1.1 m |
Households arriving report $7,001 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Hamilton County, 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.
Bradley County
What is the Bradley County economy?
- County GDP, 2024$6.67 bn
- County GDP, 2023$6.31 bn
- GDP change, 2023 to 20245.7 percent
- GDP change over five years35.8 percent
- Rank by GDP among the Tennessee areas BEA publishes17th of 95
- Rank by GDP among the US county areas BEA publishes605th of 3,127
- GDP per resident$60,048
Output grew 5.7 percent in the latest year and 35.8 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.
Bradley County
Employment by industry in Bradley County
- Covered employment, annual average40,665
- Establishments reporting2,478
- Average annual pay$54,379
- Average weekly wage$1,046
- Manufacturing, employment7,621
- Manufacturing, average annual pay$71,679
- Retail trade, employment5,124
- Retail trade, average annual pay$36,789
- Health care and social assistance, employment4,953
- Health care and social assistance, average annual pay$55,499
- Accommodation and food services, employment4,375
- Accommodation and food services, average annual pay$20,824
- Transportation and warehousing, employment2,982
- Construction, employment2,076
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 7,621 | 142 | $71,679 |
| Retail trade | 5,124 | 368 | $36,789 |
| Health care and social assistance | 4,953 | 342 | $55,499 |
| Accommodation and food services | 4,375 | 220 | $20,824 |
| Transportation and warehousing | 2,982 | 91 | $62,425 |
| Construction | 2,076 | 211 | $76,505 |
| Administrative and support and waste management services | 2,060 | 149 | $45,732 |
| Other services, except public administration | 1,304 | 156 | $37,243 |
Manufacturing is the largest private sector at 7,621 jobs, 18.7 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Bradley County
How many businesses are in Bradley County?
- Establishments, all industries2,074
- Employment at those establishments42,835
- Annual payroll$2.03 bn
- Establishments per 1,000 residents18.7
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Bradley County
Building permits in Bradley County
- Housing units authorized by permit, 2024768
- Declared construction value permitted$200.3 m
- Single family units authorized714
- Multifamily units authorized54
- Multifamily share of units7.0 percent
- Average declared value per unit$260,767
- Units authorized per 1,000 households18.0
Single-family homes are 93.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Bradley County
SBA loans in Bradley County (7(a) and 504)
- 7(a) approvals recorded32
- 7(a) gross approval dollars$21.0 m
- Average 7(a) approval$655,856
- Median 7(a) approval$341,500
- 10th percentile approval$73,000
- 90th percentile approval$1,278,500
- Largest single approval$3,931,000
- Jobs reported supported, 7(a)220
- Jobs per approval6.9
- Distinct 7(a) lenders active21
- Distinct industries receiving approvals22
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer18.8 percent
- Loans on real estate terms6
- Loans on working capital terms, 120 months or shorter21
- Franchise loans9
- Franchise share of approvals28.1 percent
- 504 approvals recorded9
- 504 gross approval dollars$14.0 m
- Average 504 approval$1,550,667
- Median 504 approval$1,120,000
- Distinct CDCs active2
- 504 jobs per approval16.1
- 504 jobs per million dollars approved10.4
- Most active CDCBrightbridge, Inc. (8)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$34.9 m
The average approval of $655,856 sits well above the median of $341,500, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 18.8 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.
Bradley County
SBA loan default and charge-off rates in Bradley County
Do SBA loans in Bradley County get paid back?
- Loans with a final outcome recorded4
- Paid in full4
- Charged off0
- Status: Paid in full4
- Status: Exempt from disclosure22
- Status: Cancelled2
- Status: Committed, not yet disbursed4
Only 4 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Bradley County
SBA lending by place in Bradley County
- Borrower cities with recorded lending3
- Cleveland, approvals27
- Old Fort, approvals4
- Charleston, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Cleveland | 27 | $15,084,800 |
| Old Fort | 4 | $5,403,600 |
| Charleston | 1 | $499,000 |
Cleveland accounts for 27 approvals against 4 in Old Fort. 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.
Bradley County
How large is Bradley County?
- Land area329 sq mi
- Rank by land area among Tennessee counties67th of 95
- Width, east to west18.4 mi
- Height, north to south25 mi
- Geographies sharing a boundary6
- Residents per square mile of land338
- Establishments per square mile6.30
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.
Bradley County
Flood risk in Bradley County
- Participation of the county's own NFIP community Bradley County, unincorporated areasParticipating, community 470357
- Communities in the county in the NFIP Community Status Book3
- Of those, participating in the NFIP3
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Bradley County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The county's own community in the status book, unincorporated Bradley County (community 470357), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Bradley County in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Feasibility studies
When a Bradley 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 Bradley County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024111,065
- Households42,596
- Average household size2.61
- Median household income$66,552
- Median age39.5
Common questions
Bradley County questions, answered from the record.
How many people live in Bradley County, Tennessee?
The Census Bureau estimates 113,782 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 111,065, in 42,596 households, ranking 13th of 95 Tennessee counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Bradley County's population growing?
The population has grown 4.75 percent since the 2020 census base of 108,620, to 113,782 on July 1, 2024. In 2024 there were 1,211 births against 1,215 deaths, with net migration of 1,650. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Bradley County?
$66,552. The median owner-occupied home is valued at $261,900, which is 3.9 times income, and median gross rent is $1,030 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Bradley County?
2,074 establishments, employing 42,835 people with an annual payroll of $2.03 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Bradley County?
Manufacturing is the largest private sector at 7,621 jobs, 18.7 percent of covered employment. Covered employment averages 40,665 jobs at an average annual pay of $54,379, or $1,046 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Bradley County?
32 7(a) approvals totaling $21.0 m since FY2020, across 21 lenders, with a median approval of $341,500, plus 9 504 approvals worth $14.0 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Bradley County?
768 housing units were authorized by permit in 2024, with a declared construction value of $200.3 m. Multifamily was 7.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Bradley 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 Bradley County come from?
The largest single origin is Hamilton County, with 651 households. Arriving households report an average income of $60,010 against $53,009 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Bradley 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 Bradley County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Bradley County
Cities and places in Bradley.
7 Census places lie wholly or partly in Bradley County. All 7 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Cleveland | city | 48,829 | 27 | Wholly in this county |
| South Cleveland | CDP | 7,452 | None recorded | Wholly in this county |
| Wildwood Lake | CDP | 3,495 | None recorded | Wholly in this county |
| Hopewell | CDP | 2,634 | None recorded | Wholly in this county |
| East Cleveland | CDP | 1,934 | None recorded | Wholly in this county |
| Charleston | city | 956 | 1 | Wholly in this county |
| McDonald | CDP | 712 | None recorded | Wholly in this county |
A further 4 of the county's 32 SBA 7(a) approvals are to borrowers in cities that match no Census place in Bradley County, the largest being Old Fort (4). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby