McNairy County, Tennessee: commercial real estate data.
McNairy County, Tennessee had an estimated 26,103 residents on July 1, 2024, up 1.0 percent since the 2020 census base of 25,855, across 563 square miles. County output reached $786.7 m in 2024, 436 establishments operate here, and the SBA record carries 2 7(a) approvals worth $365,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
McNairy County
How many people live in McNairy County
- Population, American Community Survey 2020-202425,970
- Households9,939
- Average household size2.61
- Median household income$53,473
- Median age42.9
- Median gross rent$723 per month
- Median owner-occupied home value$161,800
- Home value to household income3.0 times
- Annual rent as a share of median income16.2 percent
- Adults 25 and over with a bachelor degree or higher13.0 percent
- Adults 25 and over with a graduate degree4.3 percent
- Adults 25 and over18,325
- Population under 185,600
- Share under 1821.6 percent
- Population 65 and over5,410
- Share 65 and over20.8 percent
- Working age population, 18 to 6414,960
- Civilian labor force11,264
- Unemployment rate5.8 percent
- Labor force participation, adults 18 and over55.3 percent
- Rank by population among Tennessee counties57th of 95
- Rank by population among US county-equivalents, Puerto Rico included1616th of 3,222
McNairy County is the 57th largest of 95 Tennessee counties by population. A median home costs 3.0 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 21.6 percent against 20.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
McNairy County
Is McNairy County's population growing?
- Population, July 1, 202426,103
- Census 2020 base population25,855
- Population change since the 2020 census base0.96 percent
- Population change, 2023 to 202438
- Births, 2024291
- Deaths, 2024486
- Natural change, 2024-195
- Net domestic migration, 2024237
- Net international migration, 2024-2
- Total net migration, 2024235
- Cumulative net domestic migration, 2021 to 2024964
- Rank by growth among US county-equivalents1495th of 3,144
The county has grown 0.96 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.
McNairy County
Where are people moving to McNairy County from?
- Tax returns filed by households arriving642
- People arriving, from those returns1,224
- Tax returns filed by households leaving538
- Net household movement104
- Adjusted gross income arriving$33.1 m
- Net adjusted gross income movement$9.8 m
- Average income of an arriving household$51,618
- Average income of a leaving household$43,314
- Largest single originHardin County (122 households)
- Largest single destinationHardin County (124 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Hardin County | 122 | 242 | $5.6 m |
| Alcorn County | 58 | 100 | $4.0 m |
| Madison County | 39 | 73 | $2.1 m |
| Chester County | 35 | 68 | $1.2 m |
| Hardeman County | 24 | 52 | $1.2 m |
| Shelby County | 24 | 44 | $1.2 m |
Households arriving report $8,304 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 Hardin 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.
McNairy County
What is the McNairy County economy?
- County GDP, 2024$786.7 m
- County GDP, 2023$735.0 m
- GDP change, 2023 to 20247.0 percent
- GDP change over five years39.2 percent
- Rank by GDP among the Tennessee areas BEA publishes66th of 95
- Rank by GDP among the US county areas BEA publishes2039th of 3,127
- GDP per resident$30,292
Output grew 7.0 percent in the latest year and 39.2 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.
McNairy County
Employment by industry in McNairy County
- Covered employment, annual average5,600
- Establishments reporting544
- Average annual pay$44,747
- Average weekly wage$861
- Manufacturing, employment1,236
- Manufacturing, average annual pay$51,317
- Retail trade, employment627
- Retail trade, average annual pay$27,931
- Administrative and support and waste management services, employment321
- Administrative and support and waste management services, average annual pay$46,847
- Wholesale trade, employment254
- Wholesale trade, average annual pay$66,378
- Construction, employment200
- Finance and insurance, employment129
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 1,236 | 42 | $51,317 |
| Retail trade | 627 | 85 | $27,931 |
| Administrative and support and waste management services | 321 | 30 | $46,847 |
| Wholesale trade | 254 | 26 | $66,378 |
| Construction | 200 | 54 | $50,470 |
| Finance and insurance | 129 | 37 | $52,938 |
| Other services, except public administration | 98 | 26 | $45,961 |
| Real estate and rental and leasing | 27 | 12 | $45,998 |
Manufacturing is the largest private sector at 1,236 jobs, 22.1 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
McNairy County
How many businesses are in McNairy County?
- Establishments, all industries436
- Employment at those establishments4,294
- Annual payroll$154.2 m
- Establishments per 1,000 residents16.8
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.
McNairy County
Building permits in McNairy County
- Housing units authorized by permit, 20247
- Declared construction value permitted$2.2 m
- Single family units authorized7
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$307,857
- Units authorized per 1,000 households0.7
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
McNairy County
SBA loans in McNairy County (7(a) and 504)
- 7(a) approvals recorded2
- 7(a) gross approval dollars$365,000
- Average 7(a) approval$182,500
- Median 7(a) approval$182,500
- Largest single approval$350,000
- Jobs reported supported, 7(a)32
- Jobs per approval16.0
- 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 loans0
- Franchise share of approvals0.0 percent
- 504 approvals recorded2
- 504 gross approval dollars$431,000
- Average 504 approval$215,500
- Median 504 approval$215,500
- Distinct CDCs active1
- 504 jobs per approval0.0
- 504 jobs per million dollars approved0.0
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$796,000
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.
McNairy County
SBA loan default and charge-off rates in McNairy County
Do SBA loans in McNairy 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.
McNairy County
SBA lending by place in McNairy County
- Borrower cities with recorded lending2
- Adamsville, approvals1
- Bethel Springs, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Adamsville | 1 | $350,000 |
| Bethel Springs | 1 | $15,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
McNairy County
How large is McNairy County?
- Land area563 sq mi
- Rank by land area among Tennessee counties21st of 95
- Width, east to west24 mi
- Height, north to south26.6 mi
- Geographies sharing a boundary4
- Residents per square mile of land46
- Establishments per square mile0.77
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.
McNairy County
Flood risk in McNairy County
- Participation of the county's own NFIP community McNairy County, unincorporated areasParticipating, community 470127
- Communities in the county in the NFIP Community Status Book12
- Of those, participating in the NFIP11
- NFIP participation rate91.7 percent
- Communities carrying a CRS class0
- Radon levels in McNairy 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 McNairy County (community 470127), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places McNairy 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. 91.7 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 McNairy 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 McNairy County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202425,970
- Households9,939
- Average household size2.61
- Median household income$53,473
- Median age42.9
Common questions
McNairy County questions, answered from the record.
How many people live in McNairy County, Tennessee?
The Census Bureau estimates 26,103 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 25,970, in 9,939 households, ranking 57th of 95 Tennessee counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is McNairy County's population growing?
The population has grown 0.96 percent since the 2020 census base of 25,855, to 26,103 on July 1, 2024. In 2024 there were 291 births against 486 deaths, with net migration of 235. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in McNairy County?
$53,473. The median owner-occupied home is valued at $161,800, which is 3.0 times income, and median gross rent is $723 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in McNairy County?
436 establishments, employing 4,294 people with an annual payroll of $154.2 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 McNairy County?
Manufacturing is the largest private sector at 1,236 jobs, 22.1 percent of covered employment. Covered employment averages 5,600 jobs at an average annual pay of $44,747, or $861 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in McNairy County?
2 7(a) approvals totaling $365,000 since FY2020, across 2 lenders, with a median approval of $182,500, plus 2 504 approvals worth $431,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in McNairy County?
7 housing units were authorized by permit in 2024, with a declared construction value of $2.2 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for McNairy 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 McNairy County come from?
The largest single origin is Hardin County, with 122 households. Arriving households report an average income of $51,618 against $43,314 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for McNairy 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 McNairy 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.
McNairy County
Cities and places in McNairy.
11 Census places lie wholly or partly in McNairy County. All 11 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 |
|---|---|---|---|---|
| Selmer | town | 4,488 | None recorded | Wholly in this county |
| Adamsville | town | 2,278 | 1 | 91.7 percent here, 8.3 percent Hardin County |
| Eastview | town | 767 | None recorded | Wholly in this county |
| Finger | city | 669 | None recorded | Wholly in this county |
| Bethel Springs | town | 664 | 1 | Wholly in this county |
| Michie | town | 558 | None recorded | Wholly in this county |
| Guys | town | 423 | None recorded | Wholly in this county |
| Stantonville | town | 313 | None recorded | Wholly in this county |
| Milledgeville | town | 299 | None recorded | 30.0 percent here, 40.2 percent Chester County, 29.8 percent Hardin County |
| Ramer | city | 243 | None recorded | Wholly in this county |
| Chewalla | CDP | 150 | None recorded | Wholly in this county |
Nearby