Hamblen County, Tennessee: commercial real estate data.
Hamblen County, Tennessee had an estimated 67,715 residents on July 1, 2024, up 5.0 percent since the 2020 census base of 64,497, across 161 square miles. County output reached $4.64 bn in 2024, 1,339 establishments operate here, and the SBA record carries 22 7(a) approvals worth $13.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Hamblen County
How many people live in Hamblen County
- Population, American Community Survey 2020-202465,669
- Households26,146
- Average household size2.51
- Median household income$55,454
- Median age40.1
- Median gross rent$857 per month
- Median owner-occupied home value$210,900
- Home value to household income3.8 times
- Annual rent as a share of median income18.5 percent
- Adults 25 and over with a bachelor degree or higher20.0 percent
- Adults 25 and over with a graduate degree8.1 percent
- Adults 25 and over44,843
- Population under 1815,706
- Share under 1823.9 percent
- Population 65 and over11,750
- Share 65 and over17.9 percent
- Working age population, 18 to 6438,213
- Civilian labor force30,183
- Unemployment rate5.3 percent
- Labor force participation, adults 18 and over60.4 percent
- Rank by population among Tennessee counties21st of 95
- Rank by population among US county-equivalents, Puerto Rico included836th of 3,222
Hamblen County is the 21st largest of 95 Tennessee counties by population. A median home costs 3.8 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 23.9 percent against 17.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Hamblen County
Is Hamblen County's population growing?
- Population, July 1, 202467,715
- Census 2020 base population64,497
- Population change since the 2020 census base4.99 percent
- Population change, 2023 to 20241,249
- Births, 2024788
- Deaths, 2024891
- Natural change, 2024-103
- Net domestic migration, 20241,098
- Net international migration, 2024255
- Total net migration, 20241,353
- Cumulative net domestic migration, 2021 to 20243,485
- Rank by growth among US county-equivalents534th of 3,144
The county has grown 4.99 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.
Hamblen County
Where are people moving to Hamblen County from?
- Tax returns filed by households arriving1,958
- People arriving, from those returns3,789
- Tax returns filed by households leaving1,459
- Net household movement499
- Adjusted gross income arriving$117.6 m
- Net adjusted gross income movement$40.0 m
- Average income of an arriving household$60,069
- Average income of a leaving household$53,178
- Largest single originJefferson County (351 households)
- Largest single destinationJefferson County (269 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Jefferson County | 351 | 698 | $14.0 m |
| Knox County | 127 | 231 | $7.8 m |
| Grainger County | 112 | 202 | $3.7 m |
| Hawkins County | 110 | 217 | $4.7 m |
| Greene County | 88 | 165 | $4.0 m |
| Sevier County | 88 | 159 | $3.7 m |
| Cocke County | 66 | 140 | $2.9 m |
| Washington County | 30 | 51 | $2.1 m |
Households arriving report $6,891 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 Jefferson 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.
Hamblen County
What is the Hamblen County economy?
- County GDP, 2024$4.64 bn
- County GDP, 2023$4.44 bn
- GDP change, 2023 to 20244.6 percent
- GDP change over five years40.9 percent
- Rank by GDP among the Tennessee areas BEA publishes19th of 95
- Rank by GDP among the US county areas BEA publishes745th of 3,127
- GDP per resident$70,705
Output grew 4.6 percent in the latest year and 40.9 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.
Hamblen County
Employment by industry in Hamblen County
- Covered employment, annual average33,531
- Establishments reporting1,568
- Average annual pay$50,942
- Average weekly wage$980
- Manufacturing, employment10,149
- Manufacturing, average annual pay$59,632
- Retail trade, employment4,085
- Retail trade, average annual pay$34,824
- Health care and social assistance, employment3,685
- Health care and social assistance, average annual pay$53,710
- Accommodation and food services, employment2,865
- Accommodation and food services, average annual pay$23,126
- Administrative and support and waste management services, employment2,806
- Construction, employment1,358
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 10,149 | 116 | $59,632 |
| Retail trade | 4,085 | 247 | $34,824 |
| Health care and social assistance | 3,685 | 202 | $53,710 |
| Accommodation and food services | 2,865 | 142 | $23,126 |
| Administrative and support and waste management services | 2,806 | 94 | $39,831 |
| Construction | 1,358 | 114 | $65,505 |
| Wholesale trade | 1,067 | 78 | $79,854 |
| Other services, except public administration | 539 | 102 | $40,396 |
Manufacturing is the largest private sector at 10,149 jobs, 30.3 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Hamblen County
How many businesses are in Hamblen County?
- Establishments, all industries1,339
- Employment at those establishments30,301
- Annual payroll$1.37 bn
- Establishments per 1,000 residents20.4
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.
Hamblen County
Building permits in Hamblen County
- Housing units authorized by permit, 2024298
- Declared construction value permitted$65.5 m
- Single family units authorized215
- Multifamily units authorized83
- Multifamily share of units27.9 percent
- Average declared value per unit$219,691
- Units authorized per 1,000 households11.4
Single-family homes are 72.1 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Hamblen County
SBA loans in Hamblen County (7(a) and 504)
- 7(a) approvals recorded22
- 7(a) gross approval dollars$13.3 m
- Average 7(a) approval$603,614
- Median 7(a) approval$259,000
- 10th percentile approval$26,500
- 90th percentile approval$1,200,500
- Largest single approval$4,100,000
- Jobs reported supported, 7(a)152
- Jobs per approval6.9
- Distinct 7(a) lenders active13
- Distinct industries receiving approvals17
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer13.6 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter18
- Franchise loans1
- Franchise share of approvals4.5 percent
- Leading industry by approval countNew Single-Family Housing Construction (except For-Sale Builders) (3)
- 504 approvals recorded4
- 504 gross approval dollars$4.5 m
- Average 504 approval$1,126,250
- Median 504 approval$958,500
- Distinct CDCs active1
- 504 jobs per approval39.0
- 504 jobs per million dollars approved34.6
- Most active CDCBrightbridge, Inc. (4)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$17.8 m
The average approval of $603,614 sits well above the median of $259,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 13.6 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.
Hamblen County
SBA loan default and charge-off rates in Hamblen County
Do SBA loans in Hamblen County get paid back?
- Loans with a final outcome recorded3
- Paid in full2
- Charged off1
- Status: Paid in full2
- Status: Exempt from disclosure14
- Status: Charged off1
- Status: Cancelled2
- Status: Committed, not yet disbursed3
Only 3 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.
Hamblen County
SBA lending by place in Hamblen County
- Borrower cities with recorded lending2
- Morristown, approvals20
- Talbott, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Morristown | 20 | $12,297,500 |
| Talbott | 2 | $982,000 |
Morristown accounts for 20 approvals against 2 in Talbott. 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.
Hamblen County
How large is Hamblen County?
- Land area161 sq mi
- Rank by land area among Tennessee counties93rd of 95
- Width, east to west21.5 mi
- Height, north to south18 mi
- Geographies sharing a boundary5
- Residents per square mile of land408
- Establishments per square mile8.32
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.
Hamblen County
Flood risk in Hamblen County
- Participation of the county's own NFIP community Hamblen County, unincorporated areasParticipating, community 470346
- Communities in the county in the NFIP Community Status Book2
- Of those, participating in the NFIP2
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 10
- Communities carrying a CRS class1
- Radon levels in Hamblen 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 Hamblen County (community 470346), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Hamblen 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. The best Community Rating System class among the county's communities is 10, which carries a flood insurance premium discount for policies written in that community. 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 Hamblen 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 Hamblen County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202465,669
- Households26,146
- Average household size2.51
- Median household income$55,454
- Median age40.1
Common questions
Hamblen County questions, answered from the record.
How many people live in Hamblen County, Tennessee?
The Census Bureau estimates 67,715 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 65,669, in 26,146 households, ranking 21st of 95 Tennessee counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Hamblen County's population growing?
The population has grown 4.99 percent since the 2020 census base of 64,497, to 67,715 on July 1, 2024. In 2024 there were 788 births against 891 deaths, with net migration of 1,353. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Hamblen County?
$55,454. The median owner-occupied home is valued at $210,900, which is 3.8 times income, and median gross rent is $857 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Hamblen County?
1,339 establishments, employing 30,301 people with an annual payroll of $1.37 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 Hamblen County?
Manufacturing is the largest private sector at 10,149 jobs, 30.3 percent of covered employment. Covered employment averages 33,531 jobs at an average annual pay of $50,942, or $980 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Hamblen County?
22 7(a) approvals totaling $13.3 m since FY2020, across 13 lenders, with a median approval of $259,000, plus 4 504 approvals worth $4.5 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Hamblen County?
298 housing units were authorized by permit in 2024, with a declared construction value of $65.5 m. Multifamily was 27.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Hamblen 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 Hamblen County come from?
The largest single origin is Jefferson County, with 351 households. Arriving households report an average income of $60,069 against $53,178 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Hamblen 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 Hamblen 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.
Hamblen County
Cities and places in Hamblen.
2 Census places lie wholly or partly in Hamblen County. All 2 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 |
|---|---|---|---|---|
| Morristown | city | 31,527 | 20 | Wholly in this county |
| Russellville | CDP | 684 | None recorded | Wholly in this county |
A further 2 of the county's 22 SBA 7(a) approvals are to borrowers in cities that match no Census place in Hamblen County, the largest being Talbott (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.
Nearby