HomeTennesseeClaiborne CountyHarrogate
Harrogate, Tennessee: commercial real estate data.
Harrogate is a Census city of 4,368 people across 7.26 square miles of land, in Claiborne County. Median household income is $65,586, 66.5 percent of occupied homes are owned, and the SBA record carries 2 7(a) approvals to borrowers here worth $459,700 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Harrogate
What Harrogate is
- Census place typecity
- Land area7.26 sq mi
- Water area0 sq mi
- Population per square mile of land601
- County holding the largest share of its areaClaiborne County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harrogate
How many people live in Harrogate
- Population4,368
- Median age37.9
- Population under 18635 plus or minus 171
- Share under 1814.5 percent plus or minus 3.9
- Population 65 and over837 plus or minus 198
- Share 65 and over19.2 percent plus or minus 4.5
- Households1,553
- Family households956
- Share of households that are families61.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harrogate
Income and work in Harrogate
- Median household income$65,586
- Per capita income$34,173
- Civilian labor force1,951
- Employed1,837
- Unemployed114 plus or minus 79
- Unemployment rate5.8 percent plus or minus 4.0
- Adults 25 and over2,675
- Adults 25 and over with a high school diploma or higher90.4 percent
- Adults 25 and over with a bachelor degree or higher26.4 percent plus or minus 7.1
- Adults 25 and over with a graduate degree12.7 percent plus or minus 4.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harrogate
Housing in Harrogate
- Housing units1,856
- Occupied units1,553
- Vacant units303 plus or minus 145
- Vacancy rate16.3 percent plus or minus 7.6
- Owner occupied1,033
- Renter occupied520 plus or minus 185
- Ownership rate66.5 percent
- Median owner-occupied home value$203,900
- Median gross rent, monthly$1,154 plus or minus $537
- Annual rent as a share of median income21.1 percent plus or minus 10.1
- Single family units1,615
- Share single family87.0 percent
- Units in buildings of two or more125 plus or minus 81
- Share in buildings of two or more6.7 percent plus or minus 4.3
- Mobile homes110 plus or minus 102
- Median year structure built1979
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harrogate
How Harrogate gets to work
- Workers 16 and over who commute1,636
- Commuting under 15 minutes668 plus or minus 222
- Share commuting under 15 minutes40.8 percent plus or minus 11.8
- Commuting 30 minutes or more354 plus or minus 156
- Share commuting 30 minutes or more21.6 percent plus or minus 8.9
- Drove alone80.6 percent
- Carpooled4.2 percent plus or minus 3.6
- Public transport0.0 percent
- Walked6.0 percent plus or minus 4.3
- Worked from home9.3 percent plus or minus 3.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Harrogate
SBA loans in Harrogate (7(a))
- Approvals2
- Gross approval$459,700
- Average approval$229,850
- Median approval$229,850
- Largest approval$402,500
- Jobs supported101
- Jobs per approval50.5
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term122 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises100.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
Counted by borrower city: approvals to borrowers whose address is in Harrogate, in any county, FY2020 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Harrogate
Flood risk in Harrogate
- NFIP communityCity of Harrogate
- NFIP community number470420
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/25/09(M)
The City of Harrogate participates in the National Flood Insurance Program as community 470420 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Claiborne County, not Harrogate
Claiborne County context, not Harrogate figures
- Establishments in Claiborne County466
- Covered employment, Claiborne County8,786
- Average annual pay, Claiborne County$45,889
- Housing units permitted, Claiborne County107
Every figure in this section is published for Claiborne County as a whole and is not a measurement of Harrogate.
All Claiborne County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, 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 →
Common questions
Harrogate questions, answered from the record.
How many people live in Harrogate, Tennessee?
4,368, in 1,553 households. Harrogate city covers 7.26 square miles of land, which is 601 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Harrogate in?
Claiborne County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Harrogate?
$65,586. The median owner-occupied home is valued at $203,900. Median gross rent is $1,154 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Harrogate businesses?
2 7(a) approvals totaling $459,700 since FY2020, across 1 lenders, median approval $229,850. These count approvals to borrowers whose address is in Harrogate, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Harrogate borrowers get paid back?
No rate is published for Harrogate. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Harrogate in the National Flood Insurance Program?
Yes. Harrogate appears in the FEMA Community Status Book as Harrogate, city of, community 470420, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Harrogate figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Claiborne County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Harrogate.
Is zoning published for Harrogate?
No. Nothing on this page presents parcel level zoning.
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