1st Advantage MortgageIn Hickman County, Tennessee, the typical household earns $68,247 a year and the typical rent is $893. 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
- A quick profile of Hickman County
- Income in Hickman County compared with Tennessee
- Work, industries and travel time in Hickman County
- What it costs to live in Hickman County
- Cities, towns and CDPs in Hickman County
- How Hickman County compares with nearby counties
- People and households in Hickman County
- Before borrowing in Hickman County
- Debt-to-income at Hickman County's medians
- Checklist for Hickman County applicants
- Who licenses lenders for Hickman County residents
- Related local guides
- Frequently asked questions
A quick profile of Hickman County
Hickman County is home to about 25,436 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 58th most populous of 95 county-level areas in Tennessee. Land area is 612 square miles (2024 Gazetteer), so density runs near 42 per square mile. It is one of the counties that make up the Nashville-Davidson--Murfreesboro--Franklin, TN metropolitan statistical area (OMB, 2023). The Census Bureau counts 4 places in the county (1 incorporated, 3 census-designated); the largest is Centerville, with about 3,535 residents, or 14% of the county.
Income in Hickman County compared with Tennessee
Hickman County households have a median income of $68,247 (ACS 2020 to 2024), which ranks 20th of 95 in Tennessee.
| Yearly household income | Hickman County | Gap to Tennessee |
|---|---|---|
| Under $35,000 | 22.0% | -2.1 pts |
| $35,000 to $99,999 | 50.9% | +8.4 pts |
| $100,000 to $199,999 | 22.0% | -2.5 pts |
| $200,000 or more | 5.1% | -3.8 pts |
Some 22% of households here live on less than $35,000 a year; 27% have six-figure incomes. The poverty rate is 10.6%, 3 points lower than the state's 13.8%. The Gini index of income inequality is 0.429 (0 is perfect equality). None of these numbers decides a Hickman County application. Lenders weigh your own documented income against your own debts.
Work, industries and travel time in Hickman County
Education and health care employs 24% of working residents, the largest share; manufacturing is next with 15%. Construction stands out: 12% of workers here, versus 7% statewide. ACS puts five-year average unemployment at 2.4% in Hickman County. Long commutes are common here: 39% of workers spend 45 minutes or longer getting to work. Only 2.8% of homes here go without a vehicle.
| Sector | Hickman County | Compared with Tennessee |
|---|---|---|
| Education and health care | 23.8% | +1.4 pts |
| Manufacturing | 15.2% | +2.7 pts |
| Construction | 11.9% | +4.8 pts |
| Retail trade | 11.2% | -0.4 pts |
| Professional and administrative services | 7.9% | -2.8 pts |
| Arts, lodging and food service | 6.6% | -2.3 pts |
Where long drives are the norm, a car repair is one of the most common surprise bills. A small repair fund can keep a breakdown from turning into a loan.
What it costs to live in Hickman County
Renters in Hickman County pay a median of $893 a month, 25% below the Tennessee figure of $1,189. 38% of renting households spend 30% or more of income on rent, and 11% spend half or more. With a median value of $224,100, a typical Hickman County house costs 3.3 times what the median household earns in a year. Owners occupy 79% of homes. The median year built is 1989.
| Measure | Hickman County | Tennessee | Median U.S. county |
|---|---|---|---|
| Median gross rent | $893/mo | $1,189/mo | $877/mo |
| Median home value | $224,100 | $286,700 | $185,300 |
| Owners | 79% | 67% | 75% |
| Rent-burdened renters | 38% | 49% | 45% |
| Burdened owners | 22% | 25% | n/a |
| Vacant units | 12% | 10% | n/a |
Because most Hickman County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral.
Cities, towns and CDPs in Hickman County
4 Census places fall mainly inside Hickman County; the 4 biggest are below. They account for 6,556 residents, leaving about 74% of the county in unincorporated, unnamed areas. Lyles has the highest median household income on the list ($68,036) and Bon Aqua Junction the lowest ($43,586), counting places with at least 500 residents. No Hickman County place has a separate guide yet; this county page serves all 4.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Centerville | town | 3,535 | $59,167 | $907 | 2 mi |
| Bon Aqua Junction | CDP | 1,586 | $43,586 | $847 | 12 mi |
| Lyles | CDP | 1,385 | $68,036 | n/a | 11 mi |
| Wrigley | CDP | 50 | n/a | n/a | 9 mi |
How Hickman County compares with nearby counties
Nearest neighbors first, measured between county centers (19 to 33 miles). Williamson County leads the group on income ($135,594), Perry County trails ($55,972), and Hickman County out-earns 3 of the six.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Hickman County | - | $68,247 | $893/mo | 79% |
| Lewis County, TN | 19 mi | $56,285 | $708/mo | 82% |
| Dickson County, TN | 24 mi | $75,003 | $1,015/mo | 80% |
| Humphreys County, TN | 24 mi | $60,616 | $862/mo | 78% |
| Perry County, TN | 25 mi | $55,972 | $758/mo | 74% |
| Maury County, TN | 25 mi | $76,130 | $1,300/mo | 71% |
| Williamson County, TN | 33 mi | $135,594 | $1,969/mo | 79% |
People and households in Hickman County
Degree holders: 14% of adults over 25. About 8% go without health insurance.
| Indicator | Hickman County | All of Tennessee | U.S. county median |
|---|---|---|---|
| Median age | 42.3 | 38.9 | 41.5 |
| Bachelor's or higher | 13.9% | 31.1% | 22.2% |
| No high school diploma | 13.5% | 10.0% | n/a |
| No health insurance | 8.4% | 10.0% | 7.8% |
| No vehicle | 2.8% | 5.2% | 5.4% |
| Work from home | 8.9% | 12.9% | 8.7% |
| Poverty rate | 10.6% | 13.8% | 13.2% |
| Unemployment (ACS) | 2.4% | 4.7% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 18.0% |
| 15 to 29 min | 24.8% |
| 30 to 44 min | 18.0% |
| 45 to 59 min | 16.7% |
| 60+ min | 22.5% |
Before borrowing in Hickman County
A few patterns in the Hickman County data, and the practical point behind each:
- Long drives. With 39% of commutes over 45 minutes, tires and repairs are fixed costs in many Hickman County budgets.
- 25% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
Debt-to-income at Hickman County's medians
How much room does a median Hickman County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Median income divided by twelve: $5,687 before taxes
- 16% goes to median rent ($893)
- At 40%, room after rent is $1,382 a month
If your rent is above $893, the room shrinks dollar for dollar.
Checklist for Hickman County applicants
Before you apply, wherever you live in Hickman County:
- Get a written quote for whatever you are paying for in Hickman County.
- Prequalify with soft pulls where offered, then compare in writing.
- Look the lender up with the state regulator first.
- Confirm the first due date before setting up autopay.
Who licenses lenders for Hickman County residents
The Tennessee Department of Financial Institutions is the place to verify any lender's Tennessee license. Problems with a lender can also go to the CFPB. Statewide data and rules: Tennessee guide.
Related local guides
The Tennessee guide covers the whole state.
Frequently asked questions
How much do households in Hickman County earn?
The median is $68,247; 27% earn $100,000 or more and 22% under $35,000. A lender uses your own documented income, not this figure.
How much is rent in Hickman County?
Median gross rent, utilities included, is $893 a month; 38% of renters spend 30% or more of income on it.
I own my home in Hickman County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 79% of homes owner-occupied here, many readers can compare both in writing.
I live in a small Hickman County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Centerville, Bon Aqua Junction, Lyles, Wrigley.
Does living in Hickman County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Hickman County resident as anyone. Lenders decide under fair-lending law.