Sumner County, Tennessee: commercial real estate data.
Sumner County, Tennessee had an estimated 211,721 residents on July 1, 2024, up 7.9 percent since the 2020 census base of 196,280, across 529 square miles. County output reached $11.89 bn in 2024, 3,875 establishments operate here, and the SBA record carries 172 7(a) approvals worth $104.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Sumner County
How many people live in Sumner County
- Population, American Community Survey 2020-2024204,424
- Households78,582
- Average household size2.60
- Median household income$90,301
- Median age39.8
- Median gross rent$1,424 per month
- Median owner-occupied home value$393,100
- Home value to household income4.4 times
- Annual rent as a share of median income18.9 percent
- Adults 25 and over with a bachelor degree or higher33.6 percent
- Adults 25 and over with a graduate degree11.7 percent
- Adults 25 and over141,642
- Population under 1847,217
- Share under 1823.1 percent
- Population 65 and over34,031
- Share 65 and over16.6 percent
- Working age population, 18 to 64123,176
- Civilian labor force109,689
- Unemployment rate3.6 percent
- Labor force participation, adults 18 and over69.8 percent
- Rank by population among Tennessee counties8th of 95
- Rank by population among US county-equivalents, Puerto Rico included344th of 3,222
Sumner County is the 8th largest of 95 Tennessee counties by population. A median home costs 4.4 times median household income, which is seriously unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 23.1 percent against 16.6 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Sumner County
Is Sumner County's population growing?
- Population, July 1, 2024211,721
- Census 2020 base population196,280
- Population change since the 2020 census base7.87 percent
- Population change, 2023 to 20243,298
- Births, 20242,373
- Deaths, 20242,056
- Natural change, 2024317
- Net domestic migration, 20242,642
- Net international migration, 2024339
- Total net migration, 20242,981
- Cumulative net domestic migration, 2021 to 202412,585
- Rank by growth among US county-equivalents246th of 3,144
The county has grown 7.87 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Sumner County
Where are people moving to Sumner County from?
- Tax returns filed by households arriving7,858
- People arriving, from those returns14,287
- Tax returns filed by households leaving6,117
- Net household movement1,741
- Adjusted gross income arriving$665.8 m
- Net adjusted gross income movement$243.7 m
- Average income of an arriving household$84,733
- Average income of a leaving household$69,016
- Largest single originDavidson County (2,032 households)
- Largest single destinationDavidson County (1,253 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Davidson County | 2,032 | 3,482 | $138.6 m |
| Robertson County | 516 | 998 | $36.4 m |
| Wilson County | 315 | 556 | $21.8 m |
| Rutherford County | 248 | 414 | $14.8 m |
| Williamson County | 146 | 280 | $19.0 m |
| Montgomery County | 138 | 260 | $6.6 m |
| Macon County | 132 | 246 | $5.3 m |
| Los Angeles County | 100 | 178 | $12.3 m |
Households arriving report $15,717 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 Davidson 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.
Sumner County
What is the Sumner County economy?
- County GDP, 2024$11.89 bn
- County GDP, 2023$11.02 bn
- GDP change, 2023 to 20247.9 percent
- GDP change over five years54.7 percent
- Rank by GDP among the Tennessee areas BEA publishes7th of 95
- Rank by GDP among the US county areas BEA publishes384th of 3,127
- GDP per resident$58,179
Output grew 7.9 percent in the latest year and 54.7 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.
Sumner County
Employment by industry in Sumner County
- Covered employment, annual average62,665
- Establishments reporting5,597
- Average annual pay$59,304
- Average weekly wage$1,140
- Health care and social assistance, employment7,933
- Health care and social assistance, average annual pay$59,987
- Retail trade, employment7,821
- Retail trade, average annual pay$38,654
- Manufacturing, employment7,578
- Manufacturing, average annual pay$70,992
- Accommodation and food services, employment7,210
- Accommodation and food services, average annual pay$24,362
- Construction, employment4,300
- Administrative and support and waste management services, employment3,449
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 7,933 | 597 | $59,987 |
| Retail trade | 7,821 | 556 | $38,654 |
| Manufacturing | 7,578 | 290 | $70,992 |
| Accommodation and food services | 7,210 | 366 | $24,362 |
| Construction | 4,300 | 572 | $80,838 |
| Administrative and support and waste management services | 3,449 | 361 | $59,449 |
| Professional, scientific and technical services | 3,325 | 794 | $77,755 |
| Transportation and warehousing | 2,744 | 146 | $53,030 |
Health care and social assistance is the largest private sector at 7,933 jobs, 12.7 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Sumner County
How many businesses are in Sumner County?
- Establishments, all industries3,875
- Employment at those establishments56,402
- Annual payroll$2.97 bn
- Establishments per 1,000 residents19.0
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.
Sumner County
Building permits in Sumner County
- Housing units authorized by permit, 20241,778
- Declared construction value permitted$621.6 m
- Single family units authorized1,620
- Multifamily units authorized158
- Multifamily share of units8.9 percent
- Average declared value per unit$349,587
- Units authorized per 1,000 households22.6
Single-family homes are 91.1 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Sumner County
SBA loans in Sumner County (7(a) and 504)
- 7(a) approvals recorded172
- 7(a) gross approval dollars$104.9 m
- Average 7(a) approval$610,106
- Median 7(a) approval$219,950
- 10th percentile approval$28,200
- 90th percentile approval$1,723,470
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,796
- Jobs per approval10.4
- Distinct 7(a) lenders active43
- Distinct industries receiving approvals80
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer12.2 percent
- Loans on real estate terms21
- Loans on working capital terms, 120 months or shorter139
- Franchise loans36
- Franchise share of approvals20.9 percent
- Leading industry by approval countPlumbing, Heating, and Air-Conditioning Contractors (10)
- Most active lenderU.S. Bank, National Association (29)
- 504 approvals recorded12
- 504 gross approval dollars$10.6 m
- Average 504 approval$886,167
- Median 504 approval$549,000
- Distinct CDCs active4
- 504 jobs per approval13.2
- 504 jobs per million dollars approved14.9
- Most active CDCBrightbridge, Inc. (6)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$115.6 m
The average approval of $610,106 sits well above the median of $219,950, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 12.2 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
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.
Sumner County
SBA loan default and charge-off rates in Sumner County
Do SBA loans in Sumner County get paid back?
- Loans with a final outcome recorded32
- Paid in full30
- Charged off2
- Charge-off rate on resolved loans6.3 percent
- Status: Paid in full30
- Status: Cancelled19
- Status: Exempt from disclosure111
- Status: Committed, not yet disbursed10
- Status: Charged off2
Of the 32 loans that have reached a final outcome, 6.3 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
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.
Sumner County
SBA lending by place in Sumner County
- Borrower cities with recorded lending9
- Hendersonville, approvals84
- Gallatin, approvals65
- Portland, approvals9
- Goodlettsville, approvals7
- Bethpage, approvals2
- White House, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Hendersonville | 84 | $44,310,600 |
| Gallatin | 65 | $41,926,300 |
| Portland | 9 | $4,415,800 |
| Goodlettsville | 7 | $11,928,600 |
| Bethpage | 2 | $1,046,000 |
| White House | 2 | $936,000 |
| Cottontown | 1 | $300,000 |
| Greenbrier | 1 | $50,000 |
| 1 other borrower city | 1 | $25,000 |
Hendersonville accounts for 84 approvals against 65 in Gallatin. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Sumner County
How large is Sumner County?
- Land area529 sq mi
- Rank by land area among Tennessee counties32nd of 95
- Width, east to west30.5 mi
- Height, north to south28.1 mi
- Geographies sharing a boundary7
- Residents per square mile of land386
- Establishments per square mile7.33
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.
Sumner County
Flood risk in Sumner County
- Participation of the county's own NFIP community Sumner County, unincorporated areasParticipating, community 470349
- Communities in the county in the NFIP Community Status Book8
- Of those, participating in the NFIP8
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Sumner 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 Sumner County (community 470349), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Sumner 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. 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 Sumner 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 Sumner County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024204,424
- Households78,582
- Average household size2.60
- Median household income$90,301
- Median age39.8
Common questions
Sumner County questions, answered from the record.
How many people live in Sumner County, Tennessee?
The Census Bureau estimates 211,721 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 204,424, in 78,582 households, ranking 8th of 95 Tennessee counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Sumner County's population growing?
The population has grown 7.87 percent since the 2020 census base of 196,280, to 211,721 on July 1, 2024. In 2024 there were 2,373 births against 2,056 deaths, with net migration of 2,981. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Sumner County?
$90,301. The median owner-occupied home is valued at $393,100, which is 4.4 times income, and median gross rent is $1,424 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Sumner County?
3,875 establishments, employing 56,402 people with an annual payroll of $2.97 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Sumner County?
Health care and social assistance is the largest private sector at 7,933 jobs, 12.7 percent of covered employment. Covered employment averages 62,665 jobs at an average annual pay of $59,304, or $1,140 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Sumner County?
172 7(a) approvals totaling $104.9 m since FY2020, across 43 lenders, with a median approval of $219,950, plus 12 504 approvals worth $10.6 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Sumner County get paid back?
Of the 32 loans that have reached a final outcome, 30 were paid in full and 2 charged off, a charge-off rate of 6.3 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Sumner County?
1,778 housing units were authorized by permit in 2024, with a declared construction value of $621.6 m. Multifamily was 8.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Sumner 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 Sumner County come from?
The largest single origin is Davidson County, with 2,032 households. Arriving households report an average income of $84,733 against $69,016 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Sumner 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 Sumner 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.
Sumner County
Cities and places in Sumner.
18 Census places lie wholly or partly in Sumner County. 17 carry enough published place level data for a page of their own and are linked. The rest are named here and not linked, because the American Community Survey and the SBA record between them do not carry enough about them to write an honest page. A place existing is itself worth knowing, so nothing in the county is left out.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Hendersonville | city | 63,091 | 84 | Wholly in this county |
| Gallatin | city | 48,532 | 65 | Wholly in this county |
| Goodlettsville | city | 17,597 | 7 | 54.5 percent here, 45.5 percent Davidson County |
| White House | city | 14,631 | 2 | 39.3 percent here, 60.7 percent Robertson County |
| Portland | city | 13,449 | 9 | 87.5 percent here, 12.5 percent Robertson County |
| Millersville | city | 5,836 | None recorded | 83.4 percent here, 16.6 percent Robertson County |
| Shackle Island | CDP | 4,404 | None recorded | Wholly in this county |
| Westmoreland | town | 2,845 | 1 | Wholly in this county |
| Castalian Springs | CDP | 678 | None recorded | Wholly in this county |
| Walnut Grove | CDP | 575 | None recorded | Wholly in this county |
| Cottontown | CDP | 374 | 1 | Wholly in this county |
| Fairfield | CDP | 351 | None recorded | Wholly in this county |
| Bethpage | CDP | 289 | 2 | Wholly in this county |
| Graball | CDP | 288 | None recorded | Wholly in this county |
| Oak Grove | CDP | 248 | None recorded | Wholly in this county |
| New Deal | CDP | 226 | None recorded | Wholly in this county |
| Mitchellville | city | 176 | None recorded | Wholly in this county |
| Bransford | CDP | 0 | None recorded | Wholly in this county |
A further 1 of the county's 172 SBA 7(a) approvals are to borrowers in cities that match no Census place in Sumner County, the largest being Greenbrier (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.