HomeTennesseeMcMinn CountyAthens
Athens, Tennessee: commercial real estate data.
Athens is a Census city of 14,471 people across 15.56 square miles of land, in McMinn County. Median household income is $53,929, 59.9 percent of occupied homes are owned, and the SBA record carries 11 7(a) approvals to borrowers here worth $11.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Athens
What Athens is
- Census place typecity
- Land area15.56 sq mi
- Water area0 sq mi
- Population per square mile of land930
- County holding the largest share of its areaMcMinn County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Athens
How many people live in Athens
- Population14,471
- Median age39.0
- Population under 183,051
- Share under 1821.1 percent
- Population 65 and over2,590
- Share 65 and over17.9 percent
- Households5,874
- Family households3,571
- Share of households that are families60.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Athens
Income and work in Athens
- Median household income$53,929
- Per capita income$31,458
- Civilian labor force6,939
- Employed6,508
- Unemployed431 plus or minus 160
- Unemployment rate6.2 percent plus or minus 2.3
- Adults 25 and over9,711
- Adults 25 and over with a high school diploma or higher87.7 percent
- Adults 25 and over with a bachelor degree or higher23.2 percent
- Adults 25 and over with a graduate degree8.6 percent plus or minus 2.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Athens
Housing in Athens
- Housing units6,669
- Occupied units5,874
- Vacant units795 plus or minus 248
- Vacancy rate11.9 percent plus or minus 3.7
- Owner occupied3,520
- Renter occupied2,354
- Ownership rate59.9 percent
- Median owner-occupied home value$225,000
- Median gross rent, monthly$846
- Annual rent as a share of median income18.8 percent
- Single family units4,814
- Share single family72.2 percent
- Units in buildings of two or more1,647
- Share in buildings of two or more24.7 percent
- Mobile homes208 plus or minus 107
- Median year structure built1972
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Athens
How Athens gets to work
- Workers 16 and over who commute6,118
- Commuting under 15 minutes3,047
- Share commuting under 15 minutes49.8 percent
- Commuting 30 minutes or more1,552
- Share commuting 30 minutes or more25.4 percent
- Drove alone81.9 percent
- Carpooled9.5 percent plus or minus 3.1
- Public transport0.0 percent
- Walked2.3 percent plus or minus 1.2
- Worked from home4.9 percent plus or minus 2.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Athens
SBA loans in Athens (7(a))
- Approvals11
- Gross approval$11,178,100
- Average approval$1,016,191
- Median approval$350,000
- Largest approval$4,493,000
- Jobs supported308
- Jobs per approval28.0
- Loans with a final outcome5
- Paid in full5
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more45.5 percent
- Share to franchises27.3 percent
- Distinct lenders7
- Distinct industries by NAICS9
Counted by borrower city: approvals to borrowers whose address is in Athens, in any county, FY2020 to FY2026. Only 5 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Athens
SBA loans in Athens (504)
- Approvals1
- Gross approval$492,000
- Average approval$492,000
- Median approval$492,000
- Largest approval$492,000
- Jobs supported20
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Athens, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Athens
Flood risk in Athens
- NFIP communityCity of Athens
- NFIP community number470211
- Participating in the NFIPYes
- Community Rating System classClass 8
- Currently effective map date11/28/25
The City of Athens participates in the National Flood Insurance Program as community 470211 and carries Community Rating System class 8, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
McMinn County, not Athens
McMinn County context, not Athens figures
- Establishments in McMinn County935
- Covered employment, McMinn County17,207
- Average annual pay, McMinn County$50,929
- Housing units permitted, McMinn County38
Every figure in this section is published for McMinn County as a whole and is not a measurement of Athens.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, 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 →
Common questions
Athens questions, answered from the record.
How many people live in Athens, Tennessee?
14,471, in 5,874 households. Athens city covers 15.56 square miles of land, which is 930 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Athens in?
McMinn County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Athens?
$53,929. The median owner-occupied home is valued at $225,000. Median gross rent is $846 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Athens businesses?
11 7(a) approvals totaling $11.2 m since FY2020, across 7 lenders, median approval $350,000, plus 1 504 approvals worth $492,000 since FY2010. These count approvals to borrowers whose address is in Athens, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Athens borrowers get paid back?
No rate is published for Athens. Only 5 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Athens in the National Flood Insurance Program?
Yes. Athens appears in the FEMA Community Status Book as Athens, city of, community 470211, carrying Community Rating System class 8, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Athens figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for McMinn County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Athens.
Is zoning published for Athens?
No. Nothing on this page presents parcel level zoning.
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