1st Advantage MortgageCampbell County households have a median income of $51,557 and median rent of $716 a month (ACS 2020 to 2024). A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Tennessee license first.
On this page
- Campbell County by the numbers
- Paychecks and income spread in Campbell County
- How Campbell County residents earn a living
- Campbell County housing compared with Tennessee
- The counties around Campbell County
- The communities that make up Campbell County
- A Campbell County household budget, worked through
- Reading the Campbell County data as a borrower
- Campbell County residents: age, schooling, coverage
- A Campbell County borrower's checklist
- Licensing and complaints for Campbell County
- Related local guides
- Frequently asked questions
Campbell County by the numbers
Campbell County is home to about 39,761 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 40th most populous of 95 county-level areas in Tennessee. It covers 480 square miles of land, or about 83 people per square mile. It is one of the counties that make up the Knoxville, TN metropolitan statistical area (OMB, 2023). La Follette is the biggest of its 5 Census places, at roughly 7,273 people (18% of the county total).
Paychecks and income spread in Campbell County
Campbell County households have a median income of $51,557 (ACS 2020 to 2024), which ranks 76th of 95 in Tennessee.
| Household income | Campbell County | vs Tennessee |
|---|---|---|
| Under $35,000 | 34.7% | +10.6 pts |
| $35,000 to $99,999 | 45.2% | +2.8 pts |
| $100,000 to $199,999 | 16.4% | -8.1 pts |
| $200,000 or more | 3.7% | -5.2 pts |
About 35% of households earn under $35,000, while 20% clear $100,000. The poverty rate is 18.5%, 5 points higher than the state's 13.8%. Income inequality, measured by the Gini index, comes to 0.449 here. A household earning below the $51,557 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
How Campbell County residents earn a living
By the Census industry count, 22% of employed Campbell County residents work in education and health care and 16% in manufacturing. Construction stands out: 12% of workers here, versus 7% statewide. The survey's unemployment rate for Campbell County averages 5.0% over 2020 to 2024 (state: 4.7%). 26% of commuters travel 45 minutes or more each way, and 9% work from home. Households without a car make up 5.7% of the total (5.2% statewide).
| Industry (employed residents 16+) | Campbell County | Gap to Tennessee |
|---|---|---|
| Education and health care | 21.5% | -0.8 pts |
| Manufacturing | 15.9% | +3.4 pts |
| Construction | 12.0% | +4.9 pts |
| Retail trade | 10.4% | -1.1 pts |
| Transportation, warehousing and utilities | 8.4% | +1.2 pts |
| Arts, lodging and food service | 7.3% | -1.6 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Campbell County housing compared with Tennessee
Renters in Campbell County pay a median of $716 a month, 40% below the Tennessee figure of $1,189. Rent takes 30% or more of income for 41% of renter households here. The median owner-occupied home is valued at $186,500, about 3.6 times the median household income. 69% of Campbell County households own their home and 31% rent. The median year built is 1984.
| Home costs | Campbell County | Tennessee | U.S. middle county |
|---|---|---|---|
| Median gross rent | $716/mo | $1,189/mo | $877/mo |
| Median home value | $186,500 | $286,700 | $185,300 |
| Owners | 69% | 67% | 75% |
| Rent-burdened renters | 41% | 49% | 45% |
| Burdened owners | 27% | 25% | n/a |
| Mobile homes | 14.7% | 8.1% | n/a |
| Vacant units | 16% | 10% | n/a |
The counties around Campbell County
The six counties whose centers lie closest to Campbell County's, from 19 to 29 miles away. Income ranges from $33,750 in McCreary County to $66,183 in Anderson County; 2 of these neighbors top Campbell County's median. Some neighbors are in Kentucky. Lender licensing is state by state, so a loan for a Campbell County resident follows Tennessee rules.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Campbell County | - | $51,557 | $716/mo | 69% |
| Scott County, TN | 19 mi | $44,711 | $686/mo | 72% |
| Union County, TN | 20 mi | $62,727 | $847/mo | 80% |
| Anderson County, TN | 20 mi | $66,183 | $1,031/mo | 72% |
| Whitley County, KY | 25 mi | $44,615 | $798/mo | 67% |
| Claiborne County, TN | 29 mi | $49,379 | $745/mo | 72% |
| McCreary County, KY | 29 mi | $33,750 | $577/mo | 74% |
The communities that make up Campbell County
The table lists the 5 largest of 5 Census places in Campbell County, by population. Together all 5 hold about 15,225 people, so roughly 62% of residents live outside any named place. Incomes vary by place: $68,750 at the median in Jacksboro, $37,581 in La Follette. Median rent ranges from $440 in Jellico to $890 in Caryville. No Campbell County place has a separate guide yet; this county page serves all 5.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| La Follette | city | 7,273 | $37,581 | $696 | 3 mi |
| Jacksboro | town | 2,650 | $68,750 | $714 | 5 mi |
| Caryville | town | 2,073 | $56,394 | $890 | 7 mi |
| Jellico | city | 1,855 | $41,467 | $440 | 12 mi |
| Fincastle | CDP | 1,374 | $51,591 | n/a | 6 mi |
A Campbell County household budget, worked through
Here is the Campbell County median household run through a simple DTI check. Your numbers will differ.
- $51,557 a year is $4,296 of gross monthly income
- Less median rent of $716, which is 17% of it
- Under a 35% cap, $1,504 total minus rent leaves $788
- With a 45% ceiling, about $1,217 remains for car, card, student and any new loan payments
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Campbell County's.
Reading the Campbell County data as a borrower
A few patterns in the Campbell County data, and the practical point behind each:
- Long drives. With 26% of commutes over 45 minutes, tires and repairs are fixed costs in many Campbell County budgets.
- Repairs on manufactured housing. With 15% of homes here, compare a personal loan with any dealer or park repair program.
- Free help first. 19% of residents live below the poverty line; utility, rent and food programs cost nothing to repay (free options).
Campbell County residents: age, schooling, coverage
Degree holders: 13% of adults over 25. The uninsured rate is 8.7%, against 10.0% for Tennessee.
| Campbell County | Tennessee | U.S. county median | |
|---|---|---|---|
| Median age | 44.2 | 38.9 | 41.5 |
| Bachelor's or higher | 12.7% | 31.1% | 22.2% |
| No high school diploma | 16.5% | 10.0% | n/a |
| No health insurance | 8.7% | 10.0% | 7.8% |
| No vehicle | 5.7% | 5.2% | 5.4% |
| Work from home | 8.8% | 12.9% | 8.7% |
| Poverty rate | 18.5% | 13.8% | 13.2% |
| Unemployment (ACS) | 5.0% | 4.7% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 25.9% |
| 15 to 29 min | 27.4% |
| 30 to 44 min | 20.6% |
| 45 to 59 min | 13.0% |
| 60+ min | 13.1% |
A Campbell County borrower's checklist
Quick steps for Campbell County:
- Size the loan to the bill, not to the most a lender offers.
- Line up offers side by side: APR, fees in dollars, total cost.
- Check the license, then the reviews, then the offer.
- Keep a small cushion so one surprise bill does not mean another loan.
Licensing and complaints for Campbell County
Before sharing details with a lender, a Campbell County resident can confirm its license with the Tennessee Department of Financial Institutions. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. See the Tennessee state guide for the statewide picture.
Related local guides
The Tennessee guide covers the whole state.
Frequently asked questions
Is Campbell County a high-income county?
Its $51,557 median ranks 76th of 95 Tennessee counties and compares with $65,681 for the median U.S. county.
How much is rent in Campbell County?
Median gross rent, utilities included, is $716 a month; 41% of renters spend 30% or more of income on it.
I live in a small Campbell County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers La Follette, Jacksboro, Caryville, Jellico, Fincastle.
Will a Campbell County address affect my match?
Beyond confirming Tennessee as your state, no. Your answers about amount, credit, income and payments are all that count.
Who regulates personal lenders for Campbell County residents?
The Tennessee Department of Financial Institutions licenses consumer lenders in Tennessee; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.