McMinn County, Tennessee: commercial real estate data.
McMinn County, Tennessee had an estimated 56,754 residents on July 1, 2024, up 6.5 percent since the 2020 census base of 53,274, across 430 square miles. County output reached $2.69 bn in 2024, 935 establishments operate here, and the SBA record carries 17 7(a) approvals worth $18.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
McMinn County
How many people live in McMinn County
- Population, American Community Survey 2020-202454,884
- Households21,218
- Average household size2.59
- Median household income$61,470
- Median age42.4
- Median gross rent$803 per month
- Median owner-occupied home value$211,800
- Home value to household income3.4 times
- Annual rent as a share of median income15.7 percent
- Adults 25 and over with a bachelor degree or higher18.6 percent
- Adults 25 and over with a graduate degree6.5 percent
- Adults 25 and over38,683
- Population under 1811,627
- Share under 1821.2 percent
- Population 65 and over11,139
- Share 65 and over20.3 percent
- Working age population, 18 to 6432,118
- Civilian labor force25,031
- Unemployment rate4.9 percent
- Labor force participation, adults 18 and over57.9 percent
- Rank by population among Tennessee counties31st of 95
- Rank by population among US county-equivalents, Puerto Rico included949th of 3,222
McMinn County is the 31st largest of 95 Tennessee counties by population. A median home costs 3.4 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 21.2 percent against 20.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
McMinn County
Is McMinn County's population growing?
- Population, July 1, 202456,754
- Census 2020 base population53,274
- Population change since the 2020 census base6.53 percent
- Population change, 2023 to 20241,034
- Births, 2024623
- Deaths, 2024725
- Natural change, 2024-102
- Net domestic migration, 20241,099
- Net international migration, 202438
- Total net migration, 20241,137
- Cumulative net domestic migration, 2021 to 20244,230
- Rank by growth among US county-equivalents346th of 3,144
The county has grown 6.53 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.
McMinn County
Where are people moving to McMinn County from?
- Tax returns filed by households arriving1,694
- People arriving, from those returns3,333
- Tax returns filed by households leaving1,291
- Net household movement403
- Adjusted gross income arriving$88.8 m
- Net adjusted gross income movement$34.0 m
- Average income of an arriving household$52,429
- Average income of a leaving household$42,470
- Largest single originBradley County (215 households)
- Largest single destinationBradley County (216 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Bradley County | 215 | 414 | $9.1 m |
| Monroe County | 205 | 400 | $8.3 m |
| Meigs County | 87 | 192 | $3.6 m |
| Hamilton County | 82 | 162 | $4.5 m |
| Knox County | 80 | 145 | $4.9 m |
| Polk County | 58 | 136 | $2.3 m |
| Blount County | 47 | 104 | $2.2 m |
| Loudon County | 43 | 92 | $2.3 m |
Households arriving report $9,959 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 Bradley 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.
McMinn County
What is the McMinn County economy?
- County GDP, 2024$2.69 bn
- County GDP, 2023$2.57 bn
- GDP change, 2023 to 20244.4 percent
- GDP change over five years19.9 percent
- Rank by GDP among the Tennessee areas BEA publishes29th of 95
- Rank by GDP among the US county areas BEA publishes1059th of 3,127
- GDP per resident$48,923
Output grew 4.4 percent in the latest year and 19.9 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.
McMinn County
Employment by industry in McMinn County
- Covered employment, annual average17,207
- Establishments reporting1,098
- Average annual pay$50,929
- Average weekly wage$979
- Manufacturing, employment5,160
- Manufacturing, average annual pay$68,405
- Retail trade, employment2,264
- Retail trade, average annual pay$31,901
- Health care and social assistance, employment2,031
- Health care and social assistance, average annual pay$51,290
- Accommodation and food services, employment1,560
- Accommodation and food services, average annual pay$19,426
- Administrative and support and waste management services, employment839
- Construction, employment621
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 5,160 | 92 | $68,405 |
| Retail trade | 2,264 | 182 | $31,901 |
| Health care and social assistance | 2,031 | 138 | $51,290 |
| Accommodation and food services | 1,560 | 103 | $19,426 |
| Administrative and support and waste management services | 839 | 48 | $42,578 |
| Construction | 621 | 76 | $70,789 |
| Finance and insurance | 522 | 82 | $72,290 |
| Transportation and warehousing | 398 | 30 | $55,128 |
Manufacturing is the largest private sector at 5,160 jobs, 30.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
McMinn County
How many businesses are in McMinn County?
- Establishments, all industries935
- Employment at those establishments17,156
- Annual payroll$798.6 m
- Establishments per 1,000 residents17.0
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.
McMinn County
Building permits in McMinn County
- Housing units authorized by permit, 202438
- Declared construction value permitted$6.1 m
- Single family units authorized24
- Multifamily units authorized14
- Multifamily share of units36.8 percent
- Average declared value per unit$161,104
- Units authorized per 1,000 households1.8
Single-family homes are 63.2 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
McMinn County
SBA loans in McMinn County (7(a) and 504)
- 7(a) approvals recorded17
- 7(a) gross approval dollars$18.5 m
- Average 7(a) approval$1,090,776
- Median 7(a) approval$350,000
- Largest single approval$4,493,000
- Jobs reported supported, 7(a)361
- Jobs per approval21.2
- Distinct 7(a) lenders active10
- Distinct industries receiving approvals13
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer41.2 percent
- Loans on real estate terms7
- Loans on working capital terms, 120 months or shorter9
- Franchise loans4
- Franchise share of approvals23.5 percent
- Most active lenderU.S. Bank, National Association (4)
- 504 approvals recorded1
- 504 gross approval dollars$492,000
- Average 504 approval$492,000
- Median 504 approval$492,000
- Distinct CDCs active1
- 504 jobs per approval20.0
- 504 jobs per million dollars approved40.7
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$19.0 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.
McMinn County
SBA loan default and charge-off rates in McMinn County
Do SBA loans in McMinn County get paid back?
- Loans with a final outcome recorded8
- Paid in full8
- Charged off0
- Status: Paid in full8
- Status: Exempt from disclosure8
- Status: Committed, not yet disbursed1
Only 8 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.
McMinn County
SBA lending by place in McMinn County
- Borrower cities with recorded lending5
- Athens, approvals11
- Riceville, approvals3
- Etowah, approvals1
- Englewood, approvals1
- Niota, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Athens | 11 | $11,178,100 |
| Riceville | 3 | $5,477,000 |
| Etowah | 1 | $1,547,000 |
| Englewood | 1 | $268,500 |
| Niota | 1 | $72,600 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
McMinn County
How large is McMinn County?
- Land area430 sq mi
- Rank by land area among Tennessee counties53rd of 95
- Width, east to west25.8 mi
- Height, north to south27.9 mi
- Geographies sharing a boundary6
- Residents per square mile of land128
- Establishments per square mile2.17
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.
McMinn County
Flood risk in McMinn County
- Participation of the county's own NFIP community McMinn County, unincorporated areasParticipating, community 470126
- Communities in the county in the NFIP Community Status Book6
- Of those, participating in the NFIP6
- 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 8
- Communities carrying a CRS class1
- Radon levels in McMinn 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 McMinn County (community 470126), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places McMinn 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 8, 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 McMinn 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 McMinn County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202454,884
- Households21,218
- Average household size2.59
- Median household income$61,470
- Median age42.4
Common questions
McMinn County questions, answered from the record.
How many people live in McMinn County, Tennessee?
The Census Bureau estimates 56,754 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 54,884, in 21,218 households, ranking 31st of 95 Tennessee counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is McMinn County's population growing?
The population has grown 6.53 percent since the 2020 census base of 53,274, to 56,754 on July 1, 2024. In 2024 there were 623 births against 725 deaths, with net migration of 1,137. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in McMinn County?
$61,470. The median owner-occupied home is valued at $211,800, which is 3.4 times income, and median gross rent is $803 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in McMinn County?
935 establishments, employing 17,156 people with an annual payroll of $798.6 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 McMinn County?
Manufacturing is the largest private sector at 5,160 jobs, 30.0 percent of covered employment. Covered employment averages 17,207 jobs at an average annual pay of $50,929, or $979 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in McMinn County?
17 7(a) approvals totaling $18.5 m since FY2020, across 10 lenders, with a median approval of $350,000, plus 1 504 approvals worth $492,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in McMinn County?
38 housing units were authorized by permit in 2024, with a declared construction value of $6.1 m. Multifamily was 36.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for McMinn 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 McMinn County come from?
The largest single origin is Bradley County, with 215 households. Arriving households report an average income of $52,429 against $42,470 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for McMinn 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 McMinn 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.
McMinn County
Cities and places in McMinn.
7 Census places lie wholly or partly in McMinn County. All 7 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 |
|---|---|---|---|---|
| Athens | city | 14,471 | 11 | Wholly in this county |
| Etowah | city | 3,658 | 1 | Wholly in this county |
| Englewood | town | 1,818 | 1 | Wholly in this county |
| Delano | CDP | 838 | None recorded | 12.8 percent here, 87.2 percent Polk County |
| Riceville | CDP | 823 | 3 | Wholly in this county |
| Niota | city | 735 | 1 | Wholly in this county |
| Calhoun | town | 546 | None recorded | Wholly in this county |
Nearby