Lawrence County, Tennessee: commercial real estate data.
Lawrence County, Tennessee had an estimated 46,467 residents on July 1, 2024, up 5.2 percent since the 2020 census base of 44,154, across 617 square miles. County output reached $1.58 bn in 2024, 788 establishments operate here, and the SBA record carries 16 7(a) approvals worth $6.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Lawrence County
How many people live in Lawrence County
- Population, American Community Survey 2020-202445,385
- Households16,991
- Average household size2.67
- Median household income$54,706
- Median age39.3
- Median gross rent$763 per month
- Median owner-occupied home value$194,400
- Home value to household income3.6 times
- Annual rent as a share of median income16.7 percent
- Adults 25 and over with a bachelor degree or higher15.2 percent
- Adults 25 and over with a graduate degree5.9 percent
- Adults 25 and over30,553
- Population under 1811,359
- Share under 1825.0 percent
- Population 65 and over8,061
- Share 65 and over17.8 percent
- Working age population, 18 to 6425,965
- Civilian labor force20,733
- Unemployment rate4.9 percent
- Labor force participation, adults 18 and over60.9 percent
- Rank by population among Tennessee counties35th of 95
- Rank by population among US county-equivalents, Puerto Rico included1092nd of 3,222
Lawrence County is the 35th largest of 95 Tennessee counties by population. A median home costs 3.6 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 25.0 percent against 17.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Lawrence County
Is Lawrence County's population growing?
- Population, July 1, 202446,467
- Census 2020 base population44,154
- Population change since the 2020 census base5.24 percent
- Population change, 2023 to 2024434
- Births, 2024592
- Deaths, 2024662
- Natural change, 2024-70
- Net domestic migration, 2024497
- Net international migration, 20247
- Total net migration, 2024504
- Cumulative net domestic migration, 2021 to 20242,646
- Rank by growth among US county-equivalents499th of 3,144
The county has grown 5.24 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.
Lawrence County
Where are people moving to Lawrence County from?
- Tax returns filed by households arriving1,061
- People arriving, from those returns2,131
- Tax returns filed by households leaving747
- Net household movement314
- Adjusted gross income arriving$57.4 m
- Net adjusted gross income movement$23.9 m
- Average income of an arriving household$54,053
- Average income of a leaving household$44,723
- Largest single originMaury County (230 households)
- Largest single destinationMaury County (102 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Maury County | 230 | 500 | $12.2 m |
| Giles County | 94 | 202 | $3.9 m |
| Wayne County | 61 | 115 | $2.2 m |
| Lewis County | 39 | 75 | $1.4 m |
| Lauderdale County | 35 | 67 | $1.5 m |
| Rutherford County | 35 | 62 | $1.6 m |
| Davidson County | 28 | 44 | $1.5 m |
| Williamson County | 26 | 52 | $2.2 m |
Households arriving report $9,330 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 Maury 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.
Lawrence County
What is the Lawrence County economy?
- County GDP, 2024$1.58 bn
- County GDP, 2023$1.51 bn
- GDP change, 2023 to 20245.2 percent
- GDP change over five years41.5 percent
- Rank by GDP among the Tennessee areas BEA publishes45th of 95
- Rank by GDP among the US county areas BEA publishes1467th of 3,127
- GDP per resident$34,921
Output grew 5.2 percent in the latest year and 41.5 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.
Lawrence County
Employment by industry in Lawrence County
- Covered employment, annual average11,816
- Establishments reporting931
- Average annual pay$45,770
- Average weekly wage$880
- Manufacturing, employment2,236
- Manufacturing, average annual pay$55,930
- Retail trade, employment1,713
- Retail trade, average annual pay$32,457
- Health care and social assistance, employment1,412
- Health care and social assistance, average annual pay$49,913
- Accommodation and food services, employment1,197
- Accommodation and food services, average annual pay$18,775
- Wholesale trade, employment656
- Transportation and warehousing, employment620
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 2,236 | 78 | $55,930 |
| Retail trade | 1,713 | 174 | $32,457 |
| Health care and social assistance | 1,412 | 114 | $49,913 |
| Accommodation and food services | 1,197 | 71 | $18,775 |
| Wholesale trade | 656 | 50 | $67,051 |
| Transportation and warehousing | 620 | 36 | $46,765 |
| Construction | 504 | 73 | $56,196 |
| Administrative and support and waste management services | 282 | 35 | $35,708 |
Manufacturing is the largest private sector at 2,236 jobs, 18.9 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Lawrence County
How many businesses are in Lawrence County?
- Establishments, all industries788
- Employment at those establishments9,681
- Annual payroll$401.5 m
- Establishments per 1,000 residents17.4
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.
Lawrence County
Building permits in Lawrence County
- Housing units authorized by permit, 202427
- Declared construction value permitted$4.7 m
- Single family units authorized18
- Multifamily units authorized9
- Multifamily share of units33.3 percent
- Average declared value per unit$175,418
- Units authorized per 1,000 households1.6
Single-family homes are 66.7 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Lawrence County
SBA loans in Lawrence County (7(a) and 504)
- 7(a) approvals recorded16
- 7(a) gross approval dollars$6.6 m
- Average 7(a) approval$411,656
- Median 7(a) approval$199,350
- Largest single approval$2,978,000
- Jobs reported supported, 7(a)107
- Jobs per approval6.7
- Distinct 7(a) lenders active11
- Distinct industries receiving approvals13
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer18.8 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter12
- Franchise loans0
- Franchise share of approvals0.0 percent
- Most active lenderFirst Farmers and Merchants Bank (3)
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Lawrence County
SBA loan default and charge-off rates in Lawrence County
Do SBA loans in Lawrence County get paid back?
- Loans with a final outcome recorded4
- Paid in full3
- Charged off1
- Status: Charged off1
- Status: Paid in full3
- Status: Cancelled2
- Status: Exempt from disclosure9
- Status: Committed, not yet disbursed1
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.
Lawrence County
SBA lending by place in Lawrence County
- Borrower cities with recorded lending4
- Lawrenceburg, approvals10
- Leoma, approvals3
- Loretto, approvals2
- Ethridge, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Lawrenceburg | 10 | $5,188,200 |
| Leoma | 3 | $285,000 |
| Loretto | 2 | $599,300 |
| Ethridge | 1 | $514,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Lawrence County
How large is Lawrence County?
- Land area617 sq mi
- Rank by land area among Tennessee counties9th of 95
- Width, east to west22.6 mi
- Height, north to south31.7 mi
- Geographies sharing a boundary5
- Residents per square mile of land74
- Establishments per square mile1.28
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.
Lawrence County
Flood risk in Lawrence County
- Participation of the county's own NFIP community Lawrence County, unincorporated areasParticipating, community 470354
- Communities in the county in the NFIP Community Status Book5
- Of those, participating in the NFIP4
- NFIP participation rate80.0 percent
- Communities carrying a CRS class0
- Radon levels in Lawrence 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 Lawrence County (community 470354), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Lawrence 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. 80.0 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 Lawrence 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 Lawrence County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202445,385
- Households16,991
- Average household size2.67
- Median household income$54,706
- Median age39.3
Common questions
Lawrence County questions, answered from the record.
How many people live in Lawrence County, Tennessee?
The Census Bureau estimates 46,467 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 45,385, in 16,991 households, ranking 35th of 95 Tennessee counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Lawrence County's population growing?
The population has grown 5.24 percent since the 2020 census base of 44,154, to 46,467 on July 1, 2024. In 2024 there were 592 births against 662 deaths, with net migration of 504. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Lawrence County?
$54,706. The median owner-occupied home is valued at $194,400, which is 3.6 times income, and median gross rent is $763 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Lawrence County?
788 establishments, employing 9,681 people with an annual payroll of $401.5 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 Lawrence County?
Manufacturing is the largest private sector at 2,236 jobs, 18.9 percent of covered employment. Covered employment averages 11,816 jobs at an average annual pay of $45,770, or $880 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Lawrence County?
16 7(a) approvals totaling $6.6 m since FY2020, across 11 lenders, with a median approval of $199,350. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Lawrence County?
27 housing units were authorized by permit in 2024, with a declared construction value of $4.7 m. Multifamily was 33.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Lawrence 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 Lawrence County come from?
The largest single origin is Maury County, with 230 households. Arriving households report an average income of $54,053 against $44,723 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Lawrence 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 Lawrence 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.
Lawrence County
Cities and places in Lawrence.
8 Census places lie wholly or partly in Lawrence County. All 8 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 |
|---|---|---|---|---|
| Lawrenceburg | city | 11,844 | 10 | Wholly in this county |
| Loretto | city | 1,731 | 2 | Wholly in this county |
| St. Joseph | city | 783 | None recorded | Wholly in this county |
| Summertown | CDP | 733 | None recorded | Wholly in this county |
| Ethridge | town | 419 | 1 | Wholly in this county |
| Leoma | CDP | 374 | 3 | Wholly in this county |
| Iron City | CDP | 282 | None recorded | Wholly in this county |
| Westpoint | CDP | 139 | None recorded | Wholly in this county |
Nearby