White County, Tennessee: commercial real estate data.
White County, Tennessee had an estimated 29,108 residents on July 1, 2024, up 6.4 percent since the 2020 census base of 27,354, across 377 square miles. County output reached $1.09 bn in 2024, 425 establishments operate here, and the SBA record carries 12 7(a) approvals worth $4.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
White County
How many people live in White County
- Population, American Community Survey 2020-202428,160
- Households11,226
- Average household size2.51
- Median household income$52,188
- Median age43.5
- Median gross rent$849 per month
- Median owner-occupied home value$207,200
- Home value to household income4.0 times
- Annual rent as a share of median income19.5 percent
- Adults 25 and over with a bachelor degree or higher15.1 percent
- Adults 25 and over with a graduate degree5.3 percent
- Adults 25 and over20,245
- Population under 186,096
- Share under 1821.6 percent
- Population 65 and over5,979
- Share 65 and over21.2 percent
- Working age population, 18 to 6416,085
- Civilian labor force12,373
- Unemployment rate5.6 percent
- Labor force participation, adults 18 and over56.1 percent
- Rank by population among Tennessee counties53rd of 95
- Rank by population among US county-equivalents, Puerto Rico included1537th of 3,222
White County is the 53rd largest of 95 Tennessee counties by population. A median home costs 4.0 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 21.6 percent against 21.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
White County
Is White County's population growing?
- Population, July 1, 202429,108
- Census 2020 base population27,354
- Population change since the 2020 census base6.41 percent
- Population change, 2023 to 2024411
- Births, 2024305
- Deaths, 2024513
- Natural change, 2024-208
- Net domestic migration, 2024623
- Net international migration, 2024-5
- Total net migration, 2024618
- Cumulative net domestic migration, 2021 to 20242,341
- Rank by growth among US county-equivalents360th of 3,144
The county has grown 6.41 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.
White County
Where are people moving to White County from?
- Tax returns filed by households arriving935
- People arriving, from those returns1,842
- Tax returns filed by households leaving639
- Net household movement296
- Adjusted gross income arriving$57.2 m
- Net adjusted gross income movement$28.0 m
- Average income of an arriving household$61,150
- Average income of a leaving household$45,665
- Largest single originPutnam County (246 households)
- Largest single destinationPutnam County (186 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Putnam County | 246 | 483 | $17.0 m |
| Cumberland County | 50 | 106 | $3.1 m |
| Warren County | 38 | 87 | $1.2 m |
| DeKalb County | 36 | 64 | $1.0 m |
| Van Buren County | 24 | 54 | $665,000 |
| Overton County | 22 | 37 | $788,000 |
| Rutherford County | 21 | 42 | $1.4 m |
| Wilson County | 20 | 38 | $1.3 m |
Households arriving report $15,485 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 Putnam 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.
White County
What is the White County economy?
- County GDP, 2024$1.09 bn
- County GDP, 2023$1.06 bn
- GDP change, 2023 to 20242.2 percent
- GDP change over five years37.4 percent
- Rank by GDP among the Tennessee areas BEA publishes56th of 95
- Rank by GDP among the US county areas BEA publishes1777th of 3,127
- GDP per resident$38,533
Output grew 2.2 percent in the latest year and 37.4 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.
White County
Employment by industry in White County
- Covered employment, annual average7,157
- Establishments reporting595
- Average annual pay$45,063
- Average weekly wage$867
- Manufacturing, employment1,858
- Manufacturing, average annual pay$53,407
- Retail trade, employment938
- Retail trade, average annual pay$33,608
- Health care and social assistance, employment623
- Health care and social assistance, average annual pay$42,330
- Administrative and support and waste management services, employment462
- Administrative and support and waste management services, average annual pay$27,048
- Transportation and warehousing, employment434
- Wholesale trade, employment247
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 1,858 | 52 | $53,407 |
| Retail trade | 938 | 86 | $33,608 |
| Health care and social assistance | 623 | 94 | $42,330 |
| Administrative and support and waste management services | 462 | 22 | $27,048 |
| Transportation and warehousing | 434 | 26 | $59,287 |
| Wholesale trade | 247 | 32 | $70,336 |
| Construction | 197 | 49 | $42,995 |
| Finance and insurance | 143 | 38 | $58,115 |
Manufacturing is the largest private sector at 1,858 jobs, 26.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
White County
How many businesses are in White County?
- Establishments, all industries425
- Employment at those establishments5,850
- Annual payroll$268.2 m
- Establishments per 1,000 residents15.1
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.
White County
Building permits in White County
- Housing units authorized by permit, 2024209
- Declared construction value permitted$28.4 m
- Single family units authorized209
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$135,889
- Units authorized per 1,000 households18.6
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.
White County
SBA loans in White County (7(a) and 504)
- 7(a) approvals recorded12
- 7(a) gross approval dollars$4.7 m
- Average 7(a) approval$391,075
- Median 7(a) approval$107,500
- Largest single approval$2,720,000
- Jobs reported supported, 7(a)51
- Jobs per approval4.3
- Distinct 7(a) lenders active7
- Distinct industries receiving approvals11
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer16.7 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter9
- Franchise loans0
- Franchise share of approvals0.0 percent
- Most active lenderU.S. Bank, National Association (4)
- 504 approvals recorded1
- 504 gross approval dollars$762,000
- Average 504 approval$762,000
- Median 504 approval$762,000
- Distinct CDCs active1
- 504 jobs per approval50.0
- 504 jobs per million dollars approved65.6
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$5.5 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.
White County
SBA loan default and charge-off rates in White County
Do SBA loans in White County get paid back?
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Exempt from disclosure6
- Status: Cancelled5
Only 1 loan has 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.
White County
How large is White County?
- Land area377 sq mi
- Rank by land area among Tennessee counties60th of 95
- Width, east to west26.3 mi
- Height, north to south19.9 mi
- Geographies sharing a boundary5
- Residents per square mile of land75
- Establishments per square mile1.13
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.
White County
Flood risk in White County
- Participation of the county's own NFIP community White County, unincorporated areasParticipating, community 470365
- Communities in the county in the NFIP Community Status Book2
- Of those, participating in the NFIP2
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in White 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 White County (community 470365), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places White 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 White 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 White County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202428,160
- Households11,226
- Average household size2.51
- Median household income$52,188
- Median age43.5
Common questions
White County questions, answered from the record.
How many people live in White County, Tennessee?
The Census Bureau estimates 29,108 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 28,160, in 11,226 households, ranking 53rd of 95 Tennessee counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is White County's population growing?
The population has grown 6.41 percent since the 2020 census base of 27,354, to 29,108 on July 1, 2024. In 2024 there were 305 births against 513 deaths, with net migration of 618. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in White County?
$52,188. The median owner-occupied home is valued at $207,200, which is 4.0 times income, and median gross rent is $849 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in White County?
425 establishments, employing 5,850 people with an annual payroll of $268.2 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 White County?
Manufacturing is the largest private sector at 1,858 jobs, 26.0 percent of covered employment. Covered employment averages 7,157 jobs at an average annual pay of $45,063, or $867 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in White County?
12 7(a) approvals totaling $4.7 m since FY2020, across 7 lenders, with a median approval of $107,500, plus 1 504 approvals worth $762,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in White County?
209 housing units were authorized by permit in 2024, with a declared construction value of $28.4 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for White 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 White County come from?
The largest single origin is Putnam County, with 246 households. Arriving households report an average income of $61,150 against $45,665 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for White 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 White 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.
White County
Cities and places in White.
3 Census places lie wholly or partly in White County. All 3 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 |
|---|---|---|---|---|
| Sparta | city | 4,939 | 12 | Wholly in this county |
| Doyle | town | 532 | None recorded | Wholly in this county |
| Bon Air | CDP | 205 | None recorded | Wholly in this county |
Nearby