1st Advantage MortgageThe median Gibson County household earns $62,755, and 14% of residents live below the poverty line. 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
- A quick profile of Gibson County
- Income in Gibson County compared with Tennessee
- Gibson County housing compared with Tennessee
- The Gibson County job picture
- Counties near Gibson County
- The communities that make up Gibson County
- Gibson County residents: age, schooling, coverage
- Local borrowing considerations for Gibson County
- Debt-to-income at Gibson County's medians
- Checklist for Gibson County applicants
- Licensing and complaints for Gibson County
- More guides for Gibson County
- Frequently asked questions
A quick profile of Gibson County
The latest five-year Census estimate puts Gibson County's population at 50,869; only 32 of Tennessee's 95 county-level areas are larger. Land area is 603 square miles (2024 Gazetteer), so density runs near 84 per square mile. For statistical purposes it belongs to the Jackson, TN metro area, as delineated by the Office of Management and Budget in July 2023. The Census Bureau counts 9 places in the county (9 incorporated, 0 census-designated); the largest is Milan, with about 8,244 residents, or 16% of the county.
Income in Gibson County compared with Tennessee
Gibson County households have a median income of $62,755 (ACS 2020 to 2024), which ranks 33rd of 95 in Tennessee.
| Household income | Gibson County | vs Tennessee |
|---|---|---|
| Under $35,000 | 27.5% | +3.5 pts |
| $35,000 to $99,999 | 45.2% | +2.7 pts |
| $100,000 to $199,999 | 22.3% | -2.2 pts |
| $200,000 or more | 5.0% | -4.0 pts |
About 28% of households earn under $35,000, while 27% clear $100,000. The poverty rate is 13.7%, the same as the state's 13.8%. The Gini index of income inequality is 0.434 (0 is perfect equality). If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Gibson County median.
Gibson County housing compared with Tennessee
Median gross rent, utilities included, comes to $819 in Gibson County versus $1,189 statewide. Rent takes 30% or more of income for 44% of renter households here. The median owner-occupied home is valued at $156,900, about 2.5 times the median household income. 69% of Gibson County households own their home and 31% rent.
| Measure | Gibson County | Tennessee | Median U.S. county |
|---|---|---|---|
| Median gross rent | $819/mo | $1,189/mo | $877/mo |
| Median home value | $156,900 | $286,700 | $185,300 |
| Owners | 69% | 67% | 75% |
| Rent-burdened renters | 44% | 49% | 45% |
| Burdened owners | 20% | 25% | n/a |
The Gibson County job picture
The biggest employer of Gibson County residents, by industry, is education and health care at 20% of workers, followed by manufacturing (19%). The sharpest difference from the state is in manufacturing, at 19% locally and 13% for Tennessee. Averaged over the five survey years, 5.0% of the labor force was out of work and looking. About 83% drive to work alone and 16% have trips of 45 minutes or more.
| Sector | Gibson County | Compared with Tennessee |
|---|---|---|
| Education and health care | 20.2% | -2.1 pts |
| Manufacturing | 19.2% | +6.7 pts |
| Retail trade | 11.5% | -0.1 pts |
| Arts, lodging and food service | 7.7% | -1.3 pts |
| Transportation, warehousing and utilities | 7.0% | -0.2 pts |
| Professional and administrative services | 6.9% | -3.8 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Gibson County should have bank statements and tax returns ready.
Counties near Gibson County
Six nearby counties, 16 to 28 miles away by the straight-line distance between their centers. Income ranges from $51,787 in Carroll County to $62,165 in Crockett County; none of these neighbors top Gibson County's median.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Gibson County | - | $62,755 | $819/mo | 69% |
| Crockett County, TN | 16 mi | $62,165 | $857/mo | 72% |
| Weakley County, TN | 25 mi | $51,880 | $803/mo | 66% |
| Dyer County, TN | 26 mi | $58,154 | $782/mo | 62% |
| Carroll County, TN | 27 mi | $51,787 | $755/mo | 75% |
| Madison County, TN | 27 mi | $60,042 | $1,123/mo | 62% |
| Obion County, TN | 28 mi | $54,613 | $770/mo | 68% |
The communities that make up Gibson County
The table lists the 9 largest of 9 Census places in Gibson County, by population. Together all 9 hold about 31,096 people, so roughly 39% of residents live outside any named place. Among places of 500 or more people, median income runs from $43,886 in Milan to $107,807 in Medina. Live in one of these Gibson County communities, or between them? This is your local guide.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Milan | city | 8,244 | $43,886 | $805 | 11 mi |
| Humboldt | city | 7,787 | $52,917 | $742 | 11 mi |
| Medina | city | 5,407 | $107,807 | $1,206 | 14 mi |
| Trenton | city | 4,151 | $58,750 | $829 | 1 mi |
| Dyer | city | 2,217 | $54,766 | $771 | 6 mi |
| Bradford | town | 1,385 | $47,361 | $740 | 9 mi |
| Rutherford | town | 1,119 | $50,667 | $691 | 10 mi |
| Gibson | town | 479 | $53,750 | $871 | 10 mi |
| Yorkville | city | 307 | $71,000 | $861 | 13 mi |
Gibson County residents: age, schooling, coverage
College graduates make up 21% of the adult population. 9.3% of residents have no health coverage.
| Gibson County | Tennessee | U.S. county median | |
|---|---|---|---|
| Median age | 39.6 | 38.9 | 41.5 |
| Bachelor's or higher | 20.5% | 31.1% | 22.2% |
| No high school diploma | 10.9% | 10.0% | n/a |
| No health insurance | 9.3% | 10.0% | 7.8% |
| No vehicle | 6.6% | 5.2% | 5.4% |
| Work from home | 5.3% | 12.9% | 8.7% |
| Poverty rate | 13.7% | 13.8% | 13.2% |
| Unemployment (ACS) | 5.0% | 4.7% | 4.4% |
| Minutes to work | Gibson County workers |
|---|---|
| Under 15 min | 28.3% |
| 15 to 29 min | 30.9% |
| 30 to 44 min | 24.4% |
| 45 to 59 min | 9.4% |
| 60+ min | 7.0% |
Local borrowing considerations for Gibson County
Based on the Gibson County data above, these borrowing questions are most likely to matter locally.
- Check your file. An error fixed before you apply can change the offers a Gibson County borrower sees (free reports).
- Requirements. Lenders weigh credit history, documented income and existing debt (what to gather).
- Fraud. Gift cards, wire transfers or fees to unlock a loan mean walk away (report it).
Debt-to-income at Gibson County's medians
Gibson County at the medians, through a lender's eyes (what DTI means):
- Median income divided by twelve: $5,230 before taxes
- Median rent: $819, or 16 cents of every gross dollar
- $1,011: what a 35% ratio leaves once rent is paid
- With a 45% ceiling, about $1,534 remains for car, card, student and any new loan payments
Two-income households and single earners in Gibson County land in very different places on this math, so run it for your own budget.
Checklist for Gibson County applicants
Before you apply, wherever you live in Gibson County:
- Write down what the expense costs; a smaller loan costs less.
- Compare the total repaid on every offer, not just the payment.
- A Tennessee license check takes minutes; do it first.
- Confirm the first due date before setting up autopay.
Licensing and complaints for Gibson County
Licensing happens at the state level, so a lender working with Gibson County borrowers answers to the Tennessee Department of Financial Institutions. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. Statewide data and rules: Tennessee guide.
More guides for Gibson County
For statewide rules and data, see the Tennessee guide.
Frequently asked questions
Is Gibson County a high-income county?
Its $62,755 median ranks 33rd of 95 Tennessee counties and compares with $65,681 for the median U.S. county.
How much is rent in Gibson County?
Median gross rent, utilities included, is $819 a month; 44% of renters spend 30% or more of income on it.
What are the biggest places in Gibson County?
By population: Milan, Humboldt, Medina, Trenton, Dyer. The county has 9 Census places in all.
Will a Gibson 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 do I complain to about a lender in Gibson County?
Start with the Tennessee Department of Financial Institutions, then the CFPB complaint portal. Keep copies of every message.