Hardin County, Tennessee: commercial real estate data.
Hardin County, Tennessee had an estimated 27,617 residents on July 1, 2024, up 2.4 percent since the 2020 census base of 26,977, across 577 square miles. County output reached $1.38 bn in 2024, 535 establishments operate here, and the SBA record carries 2 7(a) approvals worth $1.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Hardin County
How many people live in Hardin County
- Population, American Community Survey 2020-202427,249
- Households11,001
- Average household size2.48
- Median household income$49,956
- Median age45.1
- Median gross rent$775 per month
- Median owner-occupied home value$160,400
- Home value to household income3.2 times
- Annual rent as a share of median income18.6 percent
- Adults 25 and over with a bachelor degree or higher15.1 percent
- Adults 25 and over with a graduate degree5.4 percent
- Adults 25 and over19,673
- Population under 185,487
- Share under 1820.1 percent
- Population 65 and over6,395
- Share 65 and over23.5 percent
- Working age population, 18 to 6415,367
- Civilian labor force11,620
- Unemployment rate4.7 percent
- Labor force participation, adults 18 and over53.4 percent
- Rank by population among Tennessee counties55th of 95
- Rank by population among US county-equivalents, Puerto Rico included1569th of 3,222
Hardin County is the 55th largest of 95 Tennessee counties by population. A median home costs 3.2 times median household income, which is moderately unaffordable by national standards. Residents 65 and over outnumber those under 18, at 23.5 percent against 20.1 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Hardin County
Is Hardin County's population growing?
- Population, July 1, 202427,617
- Census 2020 base population26,977
- Population change since the 2020 census base2.37 percent
- Population change, 2023 to 2024168
- Births, 2024287
- Deaths, 2024469
- Natural change, 2024-182
- Net domestic migration, 2024345
- Net international migration, 20245
- Total net migration, 2024350
- Cumulative net domestic migration, 2021 to 20241,447
- Rank by growth among US county-equivalents1046th of 3,144
The county has grown 2.37 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.
Hardin County
Where are people moving to Hardin County from?
- Tax returns filed by households arriving699
- People arriving, from those returns1,373
- Tax returns filed by households leaving565
- Net household movement134
- Adjusted gross income arriving$44.8 m
- Net adjusted gross income movement$6.9 m
- Average income of an arriving household$64,094
- Average income of a leaving household$67,023
- Largest single originMcNairy County (124 households)
- Largest single destinationMcNairy County (122 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| McNairy County | 124 | 267 | $5.9 m |
| Shelby County | 50 | 87 | $5.3 m |
| Wayne County | 25 | 57 | $1.7 m |
| Madison County | 20 | 29 | $948,000 |
Households arriving report $2,929 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is McNairy 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.
Hardin County
What is the Hardin County economy?
- County GDP, 2024$1.38 bn
- County GDP, 2023$1.31 bn
- GDP change, 2023 to 20245.3 percent
- GDP change over five years37.6 percent
- Rank by GDP among the Tennessee areas BEA publishes49th of 95
- Rank by GDP among the US county areas BEA publishes1578th of 3,127
- GDP per resident$50,546
Output grew 5.3 percent in the latest year and 37.6 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.
Hardin County
Employment by industry in Hardin County
- Covered employment, annual average8,376
- Establishments reporting640
- Average annual pay$50,188
- Average weekly wage$965
- Manufacturing, employment1,967
- Manufacturing, average annual pay$79,906
- Retail trade, employment1,366
- Retail trade, average annual pay$37,436
- Accommodation and food services, employment826
- Accommodation and food services, average annual pay$18,738
- Construction, employment333
- Construction, average annual pay$50,363
- Finance and insurance, employment210
- Other services, except public administration, employment165
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 1,967 | 35 | $79,906 |
| Retail trade | 1,366 | 123 | $37,436 |
| Accommodation and food services | 826 | 70 | $18,738 |
| Construction | 333 | 52 | $50,363 |
| Finance and insurance | 210 | 36 | $68,549 |
| Other services, except public administration | 165 | 44 | $31,207 |
| Wholesale trade | 132 | 22 | $59,815 |
| Information | 52 | 12 | $47,736 |
Manufacturing is the largest private sector at 1,967 jobs, 23.5 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Hardin County
How many businesses are in Hardin County?
- Establishments, all industries535
- Employment at those establishments7,802
- Annual payroll$348.6 m
- Establishments per 1,000 residents19.6
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.
Hardin County
Building permits in Hardin County
- Housing units authorized by permit, 202424
- Declared construction value permitted$3.4 m
- Single family units authorized12
- Multifamily units authorized12
- Multifamily share of units50.0 percent
- Average declared value per unit$142,917
- Units authorized per 1,000 households2.2
Multifamily is 50.0 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Hardin County
SBA loans in Hardin County (7(a) and 504)
- 7(a) approvals recorded2
- 7(a) gross approval dollars$1.1 m
- Average 7(a) approval$540,000
- Median 7(a) approval$540,000
- Largest single approval$730,000
- Jobs reported supported, 7(a)13
- Jobs per approval6.5
- Distinct 7(a) lenders active2
- Distinct industries receiving approvals2
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer0.0 percent
- Loans on real estate terms0
- Loans on working capital terms, 120 months or shorter2
- Franchise loans1
- Franchise share of approvals50.0 percent
- 504 approvals recorded1
- 504 gross approval dollars$2.8 m
- Average 504 approval$2,792,000
- Median 504 approval$2,792,000
- Distinct CDCs active1
- 504 jobs per approval11.0
- 504 jobs per million dollars approved3.9
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$3.9 m
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.
Hardin County
SBA loan default and charge-off rates in Hardin County
Do SBA loans in Hardin County get paid back?
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure2
Only 0 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.
Hardin County
SBA lending by place in Hardin County
- Borrower cities with recorded lending2
- Counce, approvals1
- Savannah, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Counce | 1 | $730,000 |
| Savannah | 1 | $350,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Hardin County
How large is Hardin County?
- Land area577 sq mi
- Rank by land area among Tennessee counties18th of 95
- Width, east to west22.5 mi
- Height, north to south29.5 mi
- Geographies sharing a boundary8
- Residents per square mile of land47
- Establishments per square mile0.93
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.
Hardin County
Flood risk in Hardin County
- Participation of the county's own NFIP community Hardin County, unincorporated areasParticipating, community 470082
- Communities in the county in the NFIP Community Status Book4
- Of those, participating in the NFIP4
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Hardin 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 Hardin County (community 470082), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Hardin 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 Hardin 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 Hardin County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202427,249
- Households11,001
- Average household size2.48
- Median household income$49,956
- Median age45.1
Common questions
Hardin County questions, answered from the record.
How many people live in Hardin County, Tennessee?
The Census Bureau estimates 27,617 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 27,249, in 11,001 households, ranking 55th of 95 Tennessee counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Hardin County's population growing?
The population has grown 2.37 percent since the 2020 census base of 26,977, to 27,617 on July 1, 2024. In 2024 there were 287 births against 469 deaths, with net migration of 350. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Hardin County?
$49,956. The median owner-occupied home is valued at $160,400, which is 3.2 times income, and median gross rent is $775 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Hardin County?
535 establishments, employing 7,802 people with an annual payroll of $348.6 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Hardin County?
Manufacturing is the largest private sector at 1,967 jobs, 23.5 percent of covered employment. Covered employment averages 8,376 jobs at an average annual pay of $50,188, or $965 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Hardin County?
2 7(a) approvals totaling $1.1 m since FY2020, across 2 lenders, with a median approval of $540,000, plus 1 504 approvals worth $2.8 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Hardin County?
24 housing units were authorized by permit in 2024, with a declared construction value of $3.4 m. Multifamily was 50.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Hardin 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 Hardin County come from?
The largest single origin is McNairy County, with 124 households. Arriving households report an average income of $64,094 against $67,023 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Hardin 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 Hardin 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.
Hardin County
Cities and places in Hardin.
12 Census places lie wholly or partly in Hardin County. All 12 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 |
|---|---|---|---|---|
| Savannah | city | 7,412 | 1 | Wholly in this county |
| Adamsville | town | 2,278 | None recorded | 8.3 percent here, 91.7 percent McNairy County |
| Olivet | CDP | 1,377 | None recorded | Wholly in this county |
| Crump | city | 1,231 | None recorded | Wholly in this county |
| Saltillo | town | 753 | None recorded | Wholly in this county |
| Walnut Grove | CDP | 403 | None recorded | Wholly in this county |
| Milledgeville | town | 299 | None recorded | 29.8 percent here, 40.2 percent Chester County, 30.0 percent McNairy County |
| Nixon | CDP | 294 | None recorded | Wholly in this county |
| Counce | CDP | 276 | 1 | Wholly in this county |
| Morris Chapel | CDP | 218 | None recorded | Wholly in this county |
| Shiloh | CDP | 130 | None recorded | Wholly in this county |
| Childers Hill | CDP | 18 | None recorded | Wholly in this county |