1st Advantage MortgageGreene County households have a median income of $56,194 and median rent of $737 a month (ACS 2020 to 2024). Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Tennessee before sharing details.
On this page
- Getting oriented in Greene County
- The Greene County job picture
- Income in Greene County compared with Tennessee
- What it costs to live in Greene County
- Greene County towns compared
- Counties near Greene County
- Greene County residents: age, schooling, coverage
- What the numbers mean for Greene County borrowers
- What a median Greene County budget can carry
- Steps before you apply in Greene County
- Tennessee rules that apply in Greene County
- More guides for Greene County
- Frequently asked questions
Getting oriented in Greene County
The latest five-year Census estimate puts Greene County's population at 71,628; only 19 of Tennessee's 95 county-level areas are larger. Packed into 622 square miles, that is close to 115 residents for every square mile of land. Under the July 2023 OMB definitions, Greene County is not part of any metropolitan area. Greeneville is the biggest of its 4 Census places, at roughly 15,646 people (22% of the county total).
The Greene County job picture
The biggest employer of Greene County residents, by industry, is manufacturing at 22% of workers, followed by education and health care (20%). Manufacturing stands out: 22% of workers here, versus 13% statewide. ACS puts five-year average unemployment at 5.7% in Greene County. 15% of commuters travel 45 minutes or more each way, and 8% work from home.
| Sector | Greene County | Compared with Tennessee |
|---|---|---|
| Manufacturing | 22.5% | +10.0 pts |
| Education and health care | 19.5% | -2.8 pts |
| Retail trade | 13.3% | +1.7 pts |
| Professional and administrative services | 8.1% | -2.6 pts |
| Arts, lodging and food service | 7.3% | -1.6 pts |
| Transportation, warehousing and utilities | 6.4% | -0.8 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Greene County should have bank statements and tax returns ready.
Income in Greene County compared with Tennessee
At $56,194, the typical Greene County household income is 14% below the median U.S. county ($65,681). That places it 57th among Tennessee's 95 county-level areas.
| Band | Greene County | Compared with Tennessee |
|---|---|---|
| Under $35,000 | 31.5% | +7.4 pts |
| $35,000 to $99,999 | 45.8% | +3.3 pts |
| $100,000 to $199,999 | 18.7% | -5.8 pts |
| $200,000 or more | 4.0% | -4.9 pts |
The spread is wide: 23% of Greene County households make $100,000 or more, and 31% make less than $35,000. The poverty rate is 15.4%, 2 points higher than the state's 13.8%. The Gini index of income inequality is 0.469 (0 is perfect equality). None of these numbers decides a Greene County application. Lenders weigh your own documented income against your own debts.
What it costs to live in Greene County
Renters in Greene County pay a median of $737 a month, 38% below the Tennessee figure of $1,189. 42% of renting households spend 30% or more of income on rent, and 19% spend half or more. The median owner-occupied home is valued at $207,500, about 3.7 times the median household income. Owners occupy 77% of homes. The median year built is 1983.
| Home costs | Greene County | Tennessee | U.S. middle county |
|---|---|---|---|
| Median gross rent | $737/mo | $1,189/mo | $877/mo |
| Median home value | $207,500 | $286,700 | $185,300 |
| Owners | 77% | 67% | 75% |
| Rent-burdened renters | 42% | 49% | 45% |
| Burdened owners | 22% | 25% | n/a |
In an owner-heavy county like Greene County, many borrowers can also choose a home equity loan or line of credit. Those can price lower but put the house on the line, so compare the two in writing; our personal loan vs. HELOC guide walks through it.
Greene County towns compared
4 Census places fall mainly inside Greene County; the 4 biggest are below. They account for 22,045 residents, leaving about 69% of the county in unincorporated, unnamed areas. Among places of 500 or more people, median income runs from $41,979 in Baileyton to $70,694 in Tusculum. Rent is cheapest in Greeneville ($650) and steepest in Baileyton ($878). This guide covers each of the 4 places and the rural areas around them.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Greeneville | town | 15,646 | $49,889 | $650 | 2 mi |
| Tusculum | city | 3,337 | $70,694 | $841 | 6 mi |
| Mosheim | town | 2,511 | $48,986 | $828 | 7 mi |
| Baileyton | town | 551 | $41,979 | $878 | 10 mi |
Counties near Greene County
Hawkins County is closest, 19 miles from center to center; the sixth, Unicoi County, is 25 miles off. Washington County leads the group on income ($62,809), Cocke County trails ($48,016), and Greene County out-earns 3 of the six. Some neighbors are in North Carolina. Lender licensing is state by state, so a loan for a Greene County resident follows Tennessee rules.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Greene County | - | $56,194 | $737/mo | 77% |
| Hawkins County, TN | 19 mi | $56,936 | $785/mo | 80% |
| Washington County, TN | 21 mi | $62,809 | $1,005/mo | 65% |
| Madison County, NC | 23 mi | $58,531 | $780/mo | 77% |
| Hamblen County, TN | 23 mi | $55,454 | $857/mo | 70% |
| Cocke County, TN | 24 mi | $48,016 | $798/mo | 75% |
| Unicoi County, TN | 25 mi | $52,218 | $750/mo | 73% |
Greene County residents: age, schooling, coverage
19% of Greene County adults 25 and older hold a bachelor's degree or more. 9.2% of residents have no health coverage.
| Residents | Greene County | Tennessee | Middle U.S. county |
|---|---|---|---|
| Median age | 44.7 | 38.9 | 41.5 |
| Bachelor's or higher | 18.7% | 31.1% | 22.2% |
| No high school diploma | 11.9% | 10.0% | n/a |
| No health insurance | 9.2% | 10.0% | 7.8% |
| No vehicle | 5.3% | 5.2% | 5.4% |
| Work from home | 7.8% | 12.9% | 8.7% |
| Poverty rate | 15.4% | 13.8% | 13.2% |
| Unemployment (ACS) | 5.7% | 4.7% | 4.4% |
| Commute length | Greene County |
|---|---|
| Under 15 min | 26.9% |
| 15 to 29 min | 37.3% |
| 30 to 44 min | 20.5% |
| 45 to 59 min | 6.9% |
| 60+ min | 8.5% |
What the numbers mean for Greene County borrowers
Where the Greene County numbers stand out, and why it matters for a loan:
- Mobile home upkeep. 23% of units fall in this category; roof, skirting and HVAC jobs are common reasons to borrow.
- Advance-fee offers. No legitimate lender asks a Greene County borrower to pay first (scam signs).
- Debt consolidation. One fixed payment can save money only if the written APR and fees beat what you pay now (guide).
What a median Greene County budget can carry
The debt-to-income ratio is the main affordability test lenders use. Applied to Greene County's medians:
- Start: $4,683 gross per month ($56,194 / 12)
- Median rent: $737, or 16 cents of every gross dollar
- With a 35% ceiling, about $902 remains for car, card, student and any new loan payments
- $1,370: what a 45% ratio leaves once rent is paid
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Steps before you apply in Greene County
Quick steps for Greene County:
- Know the exact dollar figure you need before talking to a lender.
- Shop at least three lenders, including one Greene County-area credit union.
- Check the license, then the reviews, then the offer.
- Keep a small cushion so one surprise bill does not mean another loan.
Tennessee rules that apply in Greene County
Before sharing details with a lender, a Greene 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. Statewide data and rules: Tennessee guide.
More guides for Greene County
For statewide rules and data, see the Tennessee guide.
Frequently asked questions
How much do households in Greene County earn?
The median is $56,194; 23% earn $100,000 or more and 31% under $35,000. A lender uses your own documented income, not this figure.
What do renters pay in Greene County?
$737 a month at the median, about 16% of median household income.
What are the biggest places in Greene County?
By population: Greeneville, Tusculum, Mosheim, Baileyton. The county has 4 Census places in all.
Will a Greene 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 Greene 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.