Coffee County, Tennessee: commercial real estate data.
Coffee County, Tennessee had an estimated 61,285 residents on July 1, 2024, up 5.9 percent since the 2020 census base of 57,889, across 429 square miles. County output reached $4.18 bn in 2024, 1,308 establishments operate here, and the SBA record carries 39 7(a) approvals worth $27.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Coffee County
How many people live in Coffee County
- Population, American Community Survey 2020-202459,710
- Households23,097
- Average household size2.59
- Median household income$61,505
- Median age39.0
- Median gross rent$913 per month
- Median owner-occupied home value$246,800
- Home value to household income4.0 times
- Annual rent as a share of median income17.8 percent
- Adults 25 and over with a bachelor degree or higher21.4 percent
- Adults 25 and over with a graduate degree9.2 percent
- Adults 25 and over40,582
- Population under 1814,426
- Share under 1824.2 percent
- Population 65 and over10,591
- Share 65 and over17.7 percent
- Working age population, 18 to 6434,693
- Civilian labor force27,996
- Unemployment rate3.6 percent
- Labor force participation, adults 18 and over61.8 percent
- Rank by population among Tennessee counties24th of 95
- Rank by population among US county-equivalents, Puerto Rico included900th of 3,222
Coffee County is the 24th largest of 95 Tennessee counties by population. A median home costs 4.0 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 24.2 percent against 17.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Coffee County
Is Coffee County's population growing?
- Population, July 1, 202461,285
- Census 2020 base population57,889
- Population change since the 2020 census base5.87 percent
- Population change, 2023 to 2024813
- Births, 2024682
- Deaths, 2024790
- Natural change, 2024-108
- Net domestic migration, 2024773
- Net international migration, 2024145
- Total net migration, 2024918
- Cumulative net domestic migration, 2021 to 20243,422
- Rank by growth among US county-equivalents426th of 3,144
The county has grown 5.87 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.
Coffee County
Where are people moving to Coffee County from?
- Tax returns filed by households arriving2,005
- People arriving, from those returns3,940
- Tax returns filed by households leaving1,670
- Net household movement335
- Adjusted gross income arriving$120.5 m
- Net adjusted gross income movement$41.6 m
- Average income of an arriving household$60,095
- Average income of a leaving household$47,210
- Largest single originRutherford County (399 households)
- Largest single destinationFranklin County (330 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Rutherford County | 399 | 824 | $25.6 m |
| Franklin County | 256 | 499 | $11.2 m |
| Bedford County | 168 | 349 | $8.3 m |
| Davidson County | 107 | 192 | $5.2 m |
| Warren County | 74 | 143 | $2.7 m |
| Moore County | 48 | 106 | $2.2 m |
| Grundy County | 35 | 76 | $1.4 m |
| Williamson County | 25 | 51 | $2.6 m |
Households arriving report $12,885 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 Rutherford 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.
Coffee County
What is the Coffee County economy?
- County GDP, 2024$4.18 bn
- County GDP, 2023$3.96 bn
- GDP change, 2023 to 20245.7 percent
- GDP change over five years36.0 percent
- Rank by GDP among the Tennessee areas BEA publishes20th of 95
- Rank by GDP among the US county areas BEA publishes784th of 3,127
- GDP per resident$70,065
Output grew 5.7 percent in the latest year and 36.0 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.
Coffee County
Employment by industry in Coffee County
- Covered employment, annual average26,685
- Establishments reporting1,596
- Average annual pay$59,239
- Average weekly wage$1,139
- Manufacturing, employment5,045
- Manufacturing, average annual pay$61,634
- Health care and social assistance, employment3,384
- Health care and social assistance, average annual pay$57,600
- Retail trade, employment3,317
- Retail trade, average annual pay$35,782
- Professional, scientific and technical services, employment2,989
- Professional, scientific and technical services, average annual pay$110,003
- Accommodation and food services, employment2,599
- Construction, employment1,178
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 5,045 | 99 | $61,634 |
| Health care and social assistance | 3,384 | 222 | $57,600 |
| Retail trade | 3,317 | 251 | $35,782 |
| Professional, scientific and technical services | 2,989 | 148 | $110,003 |
| Accommodation and food services | 2,599 | 155 | $20,894 |
| Construction | 1,178 | 121 | $65,817 |
| Finance and insurance | 792 | 93 | $60,261 |
| Wholesale trade | 755 | 80 | $85,705 |
Manufacturing is the largest private sector at 5,045 jobs, 18.9 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Coffee County
How many businesses are in Coffee County?
- Establishments, all industries1,308
- Employment at those establishments21,060
- Annual payroll$1.05 bn
- Establishments per 1,000 residents21.9
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.
Coffee County
Building permits in Coffee County
- Housing units authorized by permit, 2024367
- Declared construction value permitted$104.4 m
- Single family units authorized316
- Multifamily units authorized51
- Multifamily share of units13.9 percent
- Average declared value per unit$284,414
- Units authorized per 1,000 households15.9
Single-family homes are 86.1 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Coffee County
SBA loans in Coffee County (7(a) and 504)
- 7(a) approvals recorded39
- 7(a) gross approval dollars$27.3 m
- Average 7(a) approval$700,726
- Median 7(a) approval$250,000
- 10th percentile approval$21,200
- 90th percentile approval$1,882,400
- Largest single approval$4,993,500
- Jobs reported supported, 7(a)309
- Jobs per approval7.9
- Distinct 7(a) lenders active18
- Distinct industries receiving approvals25
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer23.1 percent
- Loans on real estate terms9
- Loans on working capital terms, 120 months or shorter30
- Franchise loans6
- Franchise share of approvals15.4 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (4)
- Most active lenderU.S. Bank, National Association (11)
- 504 approvals recorded11
- 504 gross approval dollars$11.8 m
- Average 504 approval$1,068,636
- Median 504 approval$496,000
- Distinct CDCs active3
- 504 jobs per approval8.1
- 504 jobs per million dollars approved7.6
- Most active CDCSouth Central Tennessee Business Development Corporation (7)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$39.1 m
The average approval of $700,726 sits well above the median of $250,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 23.1 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.
Coffee County
SBA loan default and charge-off rates in Coffee County
Do SBA loans in Coffee County get paid back?
- Loans with a final outcome recorded4
- Paid in full4
- Charged off0
- Status: Exempt from disclosure25
- Status: Paid in full4
- Status: Cancelled8
- Status: Committed, not yet disbursed2
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.
Coffee County
SBA lending by place in Coffee County
- Borrower cities with recorded lending5
- Tullahoma, approvals19
- Manchester, approvals13
- Beechgrove, approvals3
- Hillsboro, approvals2
- Hixson, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Tullahoma | 19 | $9,051,300 |
| Manchester | 13 | $12,694,000 |
| Beechgrove | 3 | $120,000 |
| Hillsboro | 2 | $5,015,000 |
| Hixson | 2 | $448,000 |
Tullahoma accounts for 19 approvals against 13 in Manchester. 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.
Coffee County
How large is Coffee County?
- Land area429 sq mi
- Rank by land area among Tennessee counties54th of 95
- Width, east to west21.7 mi
- Height, north to south28.6 mi
- Geographies sharing a boundary7
- Residents per square mile of land139
- Establishments per square mile3.05
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.
Coffee County
Flood risk in Coffee County
- Participation of the county's own NFIP community Coffee County, unincorporated areasParticipating, community 470355
- 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 Coffee County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The county's own community in the status book, unincorporated Coffee County (community 470355), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Coffee County in radon zone 2, a predicted average indoor radon screening level from 2 to 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 Coffee 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 Coffee County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202459,710
- Households23,097
- Average household size2.59
- Median household income$61,505
- Median age39.0
Common questions
Coffee County questions, answered from the record.
How many people live in Coffee County, Tennessee?
The Census Bureau estimates 61,285 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 59,710, in 23,097 households, ranking 24th of 95 Tennessee counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Coffee County's population growing?
The population has grown 5.87 percent since the 2020 census base of 57,889, to 61,285 on July 1, 2024. In 2024 there were 682 births against 790 deaths, with net migration of 918. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Coffee County?
$61,505. The median owner-occupied home is valued at $246,800, which is 4.0 times income, and median gross rent is $913 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Coffee County?
1,308 establishments, employing 21,060 people with an annual payroll of $1.05 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 Coffee County?
Manufacturing is the largest private sector at 5,045 jobs, 18.9 percent of covered employment. Covered employment averages 26,685 jobs at an average annual pay of $59,239, or $1,139 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Coffee County?
39 7(a) approvals totaling $27.3 m since FY2020, across 18 lenders, with a median approval of $250,000, plus 11 504 approvals worth $11.8 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Coffee County?
367 housing units were authorized by permit in 2024, with a declared construction value of $104.4 m. Multifamily was 13.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Coffee 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 Coffee County come from?
The largest single origin is Rutherford County, with 399 households. Arriving households report an average income of $60,095 against $47,210 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Coffee 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 Coffee 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.
Coffee County
Cities and places in Coffee.
5 Census places lie wholly or partly in Coffee County. All 5 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 |
|---|---|---|---|---|
| Tullahoma | city | 21,103 | 19 | 87.2 percent here, 12.8 percent Franklin County |
| Manchester | city | 12,944 | 13 | Wholly in this county |
| New Union | CDP | 2,160 | None recorded | Wholly in this county |
| Lakewood Park | CDP | 1,140 | None recorded | Wholly in this county |
| Hillsboro | CDP | 555 | 2 | Wholly in this county |
A further 5 of the county's 39 SBA 7(a) approvals are to borrowers in cities that match no Census place in Coffee County, the largest being Beechgrove (3), Hixson (2). 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.