1st Advantage MortgageIn Humphreys County, Tennessee, the typical household earns $60,616 a year and the typical rent is $862. 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
- Population and place: Humphreys County
- What Humphreys County households earn
- Humphreys County housing compared with Tennessee
- What stands out in Humphreys County
- Work, industries and travel time in Humphreys County
- Census places in Humphreys County
- Regional comparison for Humphreys County
- Humphreys County households compared
- Borrowing situations common in Humphreys County
- Debt-to-income at Humphreys County's medians
- Licensing and complaints for Humphreys County
- Checklist for Humphreys County applicants
- Other Tennessee guides
- Frequently asked questions
Population and place: Humphreys County
Humphreys County is home to about 19,214 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 69th most populous of 95 county-level areas in Tennessee. Its 531 square miles average 36 people per square mile, by the 2024 Census Gazetteer. Humphreys County is classed as nonmetropolitan in the OMB's July 2023 list. Waverly is the biggest of its 3 Census places, at roughly 4,302 people (22% of the county total).
What Humphreys County households earn
The median household income in Humphreys County is $60,616; statewide it is $69,595, so Humphreys County runs 13% below Tennessee as a whole. That places it 43rd among Tennessee's 95 county-level areas.
| Households earning | Humphreys County | +/- vs Tennessee |
|---|---|---|
| Under $35,000 | 27.0% | +2.9 pts |
| $35,000 to $99,999 | 46.1% | +3.6 pts |
| $100,000 to $199,999 | 21.9% | -2.6 pts |
| $200,000 or more | 5.1% | -3.9 pts |
Some 27% of households here live on less than $35,000 a year; 27% have six-figure incomes. Humphreys County counts about 2,842 residents below the poverty line, 14.8% of the population. The Gini index of income inequality is 0.423 (0 is perfect equality). A household earning below the $60,616 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Humphreys County housing compared with Tennessee
A typical Humphreys County rental runs $862 a month including utilities, which is 28% below Tennessee. By the Census definition, 45% of Humphreys County renters are cost-burdened. Home values center on $193,400, or 3.2 years of median income. The ownership rate is 78%. Median construction year: 1978.
| Home costs | Humphreys County | Tennessee | Compared with Tennessee |
|---|---|---|---|
| Median gross rent | $862/mo | $1,189/mo | 28% lower |
| Median home value | $193,400 | $286,700 | 33% lower |
| Owners | 78% | 67% | +11.4 pts |
| Rent-burdened renters | 45% | 49% | -4.0 pts |
| Burdened owners | 19% | 25% | -5.2 pts |
| Mobile homes | 16.6% | 8.1% | +8.5 pts |
| Vacant units | 19% | 10% | +8.4 pts |
Because most Humphreys 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.
What stands out in Humphreys County
Where Humphreys County lands at the extremes of Tennessee's county rankings:
- Few Tennessee counties match Humphreys County on the housing vacancy rate: 19% here, 10% for the state, ranking 11th highest of 95. High vacancy often reflects seasonal or second homes.
- On the ACS unemployment rate, Humphreys County sits near the top of Tennessee at 6.9%, 11th highest of 95. If work is uncertain, keep any loan small and the term short.
Work, industries and travel time in Humphreys County
Manufacturing employs 22% of working residents, the largest share; education and health care is next with 20%. Manufacturing stands out: 22% of workers here, versus 13% statewide. The survey's unemployment rate for Humphreys County averages 6.9% over 2020 to 2024 (state: 4.7%). About 78% drive to work alone and 28% have trips of 45 minutes or more. Only 3.8% of homes here go without a vehicle.
| Industry (employed residents 16+) | Humphreys County | Gap to Tennessee |
|---|---|---|
| Manufacturing | 22.1% | +9.6 pts |
| Education and health care | 19.6% | -2.8 pts |
| Professional and administrative services | 9.4% | -1.3 pts |
| Construction | 9.4% | +2.3 pts |
| Retail trade | 8.9% | -2.7 pts |
| Transportation, warehousing and utilities | 8.8% | +1.6 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.
Census places in Humphreys County
3 Census places fall mainly inside Humphreys County; the 3 biggest are below. They account for 8,168 residents, leaving about 57% of the county in unincorporated, unnamed areas. New Johnsonville has the highest median household income on the list ($78,661) and Waverly the lowest ($43,773), counting places with at least 500 residents. Rent is cheapest in McEwen ($745) and steepest in Waverly ($916). Waverly and every other Humphreys County community use this county guide.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Waverly | city | 4,302 | $43,773 | $916 | 4 mi |
| New Johnsonville | city | 2,060 | $78,661 | $874 | 10 mi |
| McEwen | city | 1,806 | $60,781 | $745 | 10 mi |
Regional comparison for Humphreys County
Six nearby counties, 16 to 29 miles away by the straight-line distance between their centers. Dickson County leads the group on income ($75,003), Benton County trails ($51,746), and Humphreys County out-earns 3 of the six.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Humphreys County | - | $60,616 | $862/mo | 78% |
| Benton County, TN | 16 mi | $51,746 | $768/mo | 75% |
| Houston County, TN | 18 mi | $59,576 | $735/mo | 81% |
| Hickman County, TN | 24 mi | $68,247 | $893/mo | 79% |
| Dickson County, TN | 25 mi | $75,003 | $1,015/mo | 80% |
| Perry County, TN | 26 mi | $55,972 | $758/mo | 74% |
| Stewart County, TN | 29 mi | $63,114 | $945/mo | 81% |
Humphreys County households compared
In Humphreys County, 16% of adults have at least a four-year degree (31% in Tennessee). Health coverage gaps: 11.6% of Humphreys County residents are uninsured.
| Humphreys County | vs Tennessee | vs U.S. county median | |
|---|---|---|---|
| Bachelor's or higher | 15.7% | -15.4 pts | -6.5 pts |
| Work from home | 6.3% | -6.5 pts | -2.3 pts |
| Median age | 43.3 | +4.4 yrs | +1.8 yrs |
| No high school diploma | 12.6% | +2.7 pts | n/a |
| Unemployment (ACS) | 6.9% | +2.2 pts | +2.5 pts |
| No health insurance | 11.6% | +1.6 pts | +3.8 pts |
| No vehicle | 3.8% | -1.4 pts | -1.6 pts |
| Poverty rate | 14.8% | +1.0 pts | +1.6 pts |
| Trip time | Share |
|---|---|
| Under 15 min | 26.8% |
| 15 to 29 min | 26.7% |
| 30 to 44 min | 18.1% |
| 45 to 59 min | 7.7% |
| 60+ min | 20.8% |
Borrowing situations common in Humphreys County
Where the Humphreys County numbers stand out, and why it matters for a loan:
- 12% uninsured. In Humphreys County, ask for an itemized bill and a payment plan first (medical bills).
- Vehicle repairs. 28% of Humphreys County workers commute 45+ minutes, so a breakdown can cost a paycheck. Get two written estimates.
- Manufactured housing (17%). Humphreys County owners should get two written repair quotes before borrowing.
Debt-to-income at Humphreys County's medians
Here is the Humphreys County median household run through a simple DTI check. Your numbers will differ.
- Start: $5,051 gross per month ($60,616 / 12)
- 17% goes to median rent ($862)
- Under a 43% cap, $2,172 total minus rent leaves $1,310
These are gross figures; take-home pay in Humphreys County will be lower after taxes and deductions.
Licensing and complaints for Humphreys County
The Tennessee Department of Financial Institutions is the place to verify any lender's Tennessee license. A CFPB complaint gets forwarded to the company for a response. State-level detail for Humphreys County borrowers is in the Tennessee guide.
Checklist for Humphreys County applicants
Before you apply, wherever you live in Humphreys County:
- Know the exact dollar figure you need before talking to a lender.
- Shop at least three lenders, including one Humphreys County-area credit union.
- Only work with lenders licensed for Tennessee borrowers.
- Keep a small cushion so one surprise bill does not mean another loan.
Other Tennessee guides
For statewide rules and data, see the Tennessee guide.
Frequently asked questions
What is the median household income in Humphreys County?
$60,616 a year in the 2020 to 2024 Census survey, versus $69,595 for Tennessee. It ranks 43rd of 95 in the state.
Is Humphreys County expensive for renters?
Median rent is $862 against $1,189 statewide, and 45% of renter households are cost-burdened.
Should Humphreys County homeowners use home equity instead?
Maybe, but weigh the risk: 78% of Humphreys County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
How many towns are in Humphreys County?
The Census Bureau counts 3 places mainly in the county, led by Waverly, New Johnsonville, McEwen.
Will a Humphreys County address affect my match?
Beyond confirming Tennessee as your state, no. Your answers about amount, credit, income and payments are all that count.