Roane County, Tennessee: commercial real estate data.
Roane County, Tennessee had an estimated 56,742 residents on July 1, 2024, up 6.0 percent since the 2020 census base of 53,542, across 361 square miles. County output reached $3.54 bn in 2024, 769 establishments operate here, and the SBA record carries 15 7(a) approvals worth $9.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Roane County
How many people live in Roane County
- Population, American Community Survey 2020-202455,208
- Households22,790
- Average household size2.42
- Median household income$71,885
- Median age47.3
- Median gross rent$785 per month
- Median owner-occupied home value$232,900
- Home value to household income3.2 times
- Annual rent as a share of median income13.1 percent
- Adults 25 and over with a bachelor degree or higher22.1 percent
- Adults 25 and over with a graduate degree9.1 percent
- Adults 25 and over41,011
- Population under 1810,341
- Share under 1818.7 percent
- Population 65 and over12,864
- Share 65 and over23.3 percent
- Working age population, 18 to 6432,003
- Civilian labor force25,053
- Unemployment rate4.9 percent
- Labor force participation, adults 18 and over55.8 percent
- Rank by population among Tennessee counties30th of 95
- Rank by population among US county-equivalents, Puerto Rico included942nd of 3,222
Roane County is the 30th 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 23.3 percent against 18.7 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.
Roane County
Is Roane County's population growing?
- Population, July 1, 202456,742
- Census 2020 base population53,542
- Population change since the 2020 census base5.98 percent
- Population change, 2023 to 2024519
- Births, 2024489
- Deaths, 2024861
- Natural change, 2024-372
- Net domestic migration, 2024893
- Net international migration, 20244
- Total net migration, 2024897
- Cumulative net domestic migration, 2021 to 20244,579
- Rank by growth among US county-equivalents410th of 3,144
The county has grown 5.98 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.
Roane County
Where are people moving to Roane County from?
- Tax returns filed by households arriving1,900
- People arriving, from those returns3,746
- Tax returns filed by households leaving1,387
- Net household movement513
- Adjusted gross income arriving$131.3 m
- Net adjusted gross income movement$43.4 m
- Average income of an arriving household$69,124
- Average income of a leaving household$63,407
- Largest single originKnox County (340 households)
- Largest single destinationKnox County (228 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Knox County | 340 | 671 | $22.3 m |
| Anderson County | 204 | 405 | $10.2 m |
| Morgan County | 114 | 222 | $5.1 m |
| Loudon County | 108 | 203 | $6.0 m |
| Cumberland County | 57 | 125 | $2.4 m |
| Blount County | 53 | 95 | $2.6 m |
| Monroe County | 30 | 61 | $1.8 m |
| Hamilton County | 20 | 33 | $1.3 m |
Households arriving report $5,717 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 Knox 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.
Roane County
What is the Roane County economy?
- County GDP, 2024$3.54 bn
- County GDP, 2023$3.40 bn
- GDP change, 2023 to 20243.9 percent
- GDP change over five years32.0 percent
- Rank by GDP among the Tennessee areas BEA publishes22nd of 95
- Rank by GDP among the US county areas BEA publishes887th of 3,127
- GDP per resident$64,042
Output grew 3.9 percent in the latest year and 32.0 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.
Roane County
Employment by industry in Roane County
- Covered employment, annual average19,050
- Establishments reporting1,053
- Average annual pay$82,676
- Average weekly wage$1,590
- Retail trade, employment1,863
- Retail trade, average annual pay$33,997
- Health care and social assistance, employment1,705
- Health care and social assistance, average annual pay$49,171
- Accommodation and food services, employment1,444
- Accommodation and food services, average annual pay$22,787
- Manufacturing, employment916
- Manufacturing, average annual pay$61,211
- Wholesale trade, employment444
- Administrative and support and waste management services, employment437
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 1,863 | 158 | $33,997 |
| Health care and social assistance | 1,705 | 137 | $49,171 |
| Accommodation and food services | 1,444 | 92 | $22,787 |
| Manufacturing | 916 | 46 | $61,211 |
| Wholesale trade | 444 | 44 | $58,595 |
| Administrative and support and waste management services | 437 | 56 | $97,140 |
| Transportation and warehousing | 388 | 26 | $55,166 |
| Other services, except public administration | 388 | 57 | $60,863 |
Retail trade is the largest private sector at 1,863 jobs, 9.8 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Roane County
How many businesses are in Roane County?
- Establishments, all industries769
- Employment at those establishments8,996
- Annual payroll$370.6 m
- Establishments per 1,000 residents13.9
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.
Roane County
Building permits in Roane County
- Housing units authorized by permit, 2024248
- Declared construction value permitted$83.2 m
- Single family units authorized241
- Multifamily units authorized7
- Multifamily share of units2.8 percent
- Average declared value per unit$335,381
- Units authorized per 1,000 households10.9
Single-family homes are 97.2 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Roane County
SBA loans in Roane County (7(a) and 504)
- 7(a) approvals recorded15
- 7(a) gross approval dollars$9.2 m
- Average 7(a) approval$614,753
- Median 7(a) approval$190,000
- Largest single approval$2,164,800
- Jobs reported supported, 7(a)95
- Jobs per approval6.3
- Distinct 7(a) lenders active13
- Distinct industries receiving approvals12
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer40.0 percent
- Loans on real estate terms6
- Loans on working capital terms, 120 months or shorter8
- Franchise loans5
- Franchise share of approvals33.3 percent
- 504 approvals recorded1
- 504 gross approval dollars$858,000
- Average 504 approval$858,000
- Median 504 approval$858,000
- Distinct CDCs active1
- 504 jobs per approval50.0
- 504 jobs per million dollars approved58.3
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$10.1 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.
Roane County
SBA loan default and charge-off rates in Roane County
Do SBA loans in Roane County get paid back?
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure12
- Status: Cancelled3
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.
Roane County
SBA lending by place in Roane County
- Borrower cities with recorded lending5
- Kingston, approvals7
- Oak Ridge, approvals4
- Oliver Springs, approvals2
- Harriman, approvals1
- Rockwood, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Kingston | 7 | $4,197,300 |
| Oak Ridge | 4 | $1,369,000 |
| Oliver Springs | 2 | $205,000 |
| Harriman | 1 | $2,090,000 |
| Rockwood | 1 | $1,360,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Roane County
How large is Roane County?
- Land area361 sq mi
- Rank by land area among Tennessee counties63rd of 95
- Width, east to west29.1 mi
- Height, north to south27.9 mi
- Geographies sharing a boundary8
- Residents per square mile of land153
- Establishments per square mile2.13
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.
Roane County
Flood risk in Roane County
- Participation of the county's own NFIP community Roane County, unincorporated areasParticipating, community 470267
- Communities in the county in the NFIP Community Status Book6
- Of those, participating in the NFIP6
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Roane 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 Roane County (community 470267), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Roane 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. 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 Roane 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 Roane County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202455,208
- Households22,790
- Average household size2.42
- Median household income$71,885
- Median age47.3
Common questions
Roane County questions, answered from the record.
How many people live in Roane County, Tennessee?
The Census Bureau estimates 56,742 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 55,208, in 22,790 households, ranking 30th of 95 Tennessee counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Roane County's population growing?
The population has grown 5.98 percent since the 2020 census base of 53,542, to 56,742 on July 1, 2024. In 2024 there were 489 births against 861 deaths, with net migration of 897. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Roane County?
$71,885. The median owner-occupied home is valued at $232,900, which is 3.2 times income, and median gross rent is $785 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Roane County?
769 establishments, employing 8,996 people with an annual payroll of $370.6 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 Roane County?
Retail trade is the largest private sector at 1,863 jobs, 9.8 percent of covered employment. Covered employment averages 19,050 jobs at an average annual pay of $82,676, or $1,590 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Roane County?
15 7(a) approvals totaling $9.2 m since FY2020, across 13 lenders, with a median approval of $190,000, plus 1 504 approvals worth $858,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Roane County?
248 housing units were authorized by permit in 2024, with a declared construction value of $83.2 m. Multifamily was 2.8 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Roane 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 Roane County come from?
The largest single origin is Knox County, with 340 households. Arriving households report an average income of $69,124 against $63,407 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Roane 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 Roane 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.
Roane County
Cities and places in Roane.
6 Census places lie wholly or partly in Roane County. All 6 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 |
|---|---|---|---|---|
| Oak Ridge | city | 32,693 | 4 | 48.0 percent here, 52.0 percent Anderson County |
| Kingston | city | 6,224 | 7 | Wholly in this county |
| Harriman | city | 6,090 | 1 | Wholly in this county |
| Rockwood | city | 5,566 | 1 | Wholly in this county |
| Oliver Springs | town | 3,281 | 2 | 18.7 percent here, 78.3 percent Anderson County, 3.0 percent Morgan County |
| Midtown | CDP | 1,369 | None recorded | Wholly in this county |