1st Advantage MortgageAbout 80% of Loudon County homes are owner-occupied, and the median household income is $84,185. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Loudon County, TN: the basics
- Income in Loudon County compared with Tennessee
- Work, industries and travel time in Loudon County
- Loudon County housing compared with Tennessee
- Places inside Loudon County
- Counties near Loudon County
- Who lives in Loudon County, in numbers
- Reading the Loudon County data as a borrower
- What a median Loudon County budget can carry
- Steps before you apply in Loudon County
- Checking a lender's license in Tennessee
- Related local guides
- Frequently asked questions
Loudon County, TN: the basics
Loudon County is home to about 58,580 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 25th most populous of 95 county-level areas in Tennessee. Land area is 229 square miles (2024 Gazetteer), so density runs near 256 per square mile. For statistical purposes it belongs to the Knoxville, TN metro area, as delineated by the Office of Management and Budget in July 2023. Farragut is the biggest of its 7 Census places, at roughly 24,634 people (42% of the county total).
Income in Loudon County compared with Tennessee
Half of Loudon County households take in less than $84,185 a year and half take in more, 21% above the Tennessee median of $69,595. In the state ranking that is 7th of 95.
| Band | Loudon County | Compared with Tennessee |
|---|---|---|
| Under $35,000 | 18.2% | -5.8 pts |
| $35,000 to $99,999 | 40.8% | -1.7 pts |
| $100,000 to $199,999 | 29.8% | +5.3 pts |
| $200,000 or more | 11.1% | +2.2 pts |
The spread is wide: 41% of Loudon County households make $100,000 or more, and 18% make less than $35,000. Census counts 12.6% of Loudon County residents in poverty, against 13.8% across Tennessee. The Gini index of income inequality is 0.435 (0 is perfect equality). Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Work, industries and travel time in Loudon County
The biggest employer of Loudon County residents, by industry, is education and health care at 18% of workers, followed by manufacturing (15%). Compared with Tennessee, the county leans toward retail trade (14% against 12%). The survey's unemployment rate for Loudon County averages 2.8% over 2020 to 2024 (state: 4.7%). Long commutes are the exception here: 13% of workers spend 45 minutes or longer getting to work. Only 3.8% of homes here go without a vehicle.
| Top industries | Loudon County share | +/- vs Tennessee |
|---|---|---|
| Education and health care | 17.6% | -4.7 pts |
| Manufacturing | 14.6% | +2.0 pts |
| Retail trade | 13.7% | +2.1 pts |
| Professional and administrative services | 11.5% | +0.8 pts |
| Transportation, warehousing and utilities | 7.8% | +0.6 pts |
| Construction | 7.7% | +0.6 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Loudon County should have bank statements and tax returns ready.
Loudon County housing compared with Tennessee
Median gross rent, utilities included, comes to $1,062 in Loudon County versus $1,189 statewide. 43% of renting households spend 30% or more of income on rent, and 18% spend half or more. The median owner-occupied home is valued at $348,000, about 4.1 times the median household income. The ownership rate is 80%. Half the housing stock was built before 1992.
| Loudon County | Tennessee | U.S. county median | |
|---|---|---|---|
| Median gross rent | $1,062/mo | $1,189/mo | $877/mo |
| Median home value | $348,000 | $286,700 | $185,300 |
| Owners | 80% | 67% | 75% |
| Rent-burdened renters | 43% | 49% | 45% |
| Burdened owners | 19% | 25% | n/a |
| Mobile homes | 7.5% | 8.1% | n/a |
In an owner-heavy county like Loudon 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.
Places inside Loudon County
7 Census places fall mainly inside Loudon County; the 7 biggest are below. They account for 52,409 residents, leaving about 11% of the county in unincorporated, unnamed areas. Incomes vary by place: $142,093 at the median in Farragut, $53,650 in Loudon. Median rent ranges from $879 in Loudon to $2,038 in Tellico Village. This guide covers each of the 7 places and the rural areas around them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Farragut | town | 24,634 | $142,093 | $1,966 | 12 mi |
| Lenoir City | city | 11,110 | $67,259 | $932 | 6 mi |
| Tellico Village | CDP | 7,414 | $106,875 | $2,038 | 4 mi |
| Loudon | city | 6,432 | $53,650 | $879 | 3 mi |
| Greenback | city | 1,378 | $72,961 | $1,060 | 10 mi |
| Rarity Bay | CDP | 757 | $84,861 | $1,598 | 8 mi |
| Philadelphia | city | 684 | $68,679 | $930 | 6 mi |
Counties near Loudon County
Nearest neighbors first, measured between county centers (14 to 28 miles). Income ranges from $56,895 in Monroe County to $77,365 in Blount County; none of these neighbors top Loudon County's median.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Loudon County | - | $84,185 | $1,062/mo | 80% |
| Roane County, TN | 14 mi | $71,885 | $785/mo | 78% |
| Monroe County, TN | 20 mi | $56,895 | $714/mo | 72% |
| Blount County, TN | 22 mi | $77,365 | $1,090/mo | 77% |
| Anderson County, TN | 27 mi | $66,183 | $1,031/mo | 72% |
| McMinn County, TN | 27 mi | $61,470 | $803/mo | 76% |
| Knox County, TN | 28 mi | $74,222 | $1,261/mo | 65% |
Who lives in Loudon County, in numbers
College graduates make up 29% of the adult population. About 9% go without health insurance.
| Measure | Loudon County | Tennessee statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 48.8 | 38.9 | 41.5 |
| Bachelor's or higher | 29.4% | 31.1% | 22.2% |
| No high school diploma | 10.4% | 10.0% | n/a |
| No health insurance | 8.8% | 10.0% | 7.8% |
| No vehicle | 3.8% | 5.2% | 5.4% |
| Work from home | 12.0% | 12.9% | 8.7% |
| Poverty rate | 12.6% | 13.8% | 13.2% |
| Unemployment (ACS) | 2.8% | 4.7% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 24.6% |
| 15 to 29 min | 40.2% |
| 30 to 44 min | 22.6% |
| 45 to 59 min | 9.4% |
| 60+ min | 3.2% |
Reading the Loudon County data as a borrower
A few patterns in the Loudon County data, and the practical point behind each:
- Older households. A 48.8 median age means fixed-income borrowing is common; a fixed payment and short term limit risk.
- Strong incomes, long terms. 41% of Loudon County households earn $100,000+. The risk is a term that outlasts the need.
- Consolidating cards in Loudon County. Compare the total repaid, not the monthly figure (how).
What a median Loudon County budget can carry
How much room does a median Loudon County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Monthly gross at the median, Loudon County: $7,015
- Rent at the median, $1,062, takes 15% of that
- 43% debt-to-income limit: $1,955 left for all other debt payments
If your rent is above $1,062, the room shrinks dollar for dollar.
Steps before you apply in Loudon County
Before you apply, wherever you live in Loudon County:
- Know the exact dollar figure you need before talking to a lender.
- Prequalify with soft pulls where offered, then compare in writing.
- Check the license, then the reviews, then the offer.
- Read the final agreement; it must match the offer.
Checking a lender's license in Tennessee
Consumer lenders serving Loudon County are licensed by the state, not the county; in Tennessee that is 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
How much do households in Loudon County earn?
The median is $84,185; 41% earn $100,000 or more and 18% under $35,000. A lender uses your own documented income, not this figure.
How does Loudon County rent compare with Tennessee?
$1,062 locally versus $1,189 for the state, 11% below.
Which towns does the Loudon County guide cover?
Every community in the county, unincorporated areas included. The largest of its 7 Census places: Farragut, Lenoir City, Tellico Village, Loudon, Greenback.
Does living in Loudon 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 Loudon County resident as anyone. Lenders decide under fair-lending law.
Who do I complain to about a lender in Loudon County?
Start with the Tennessee Department of Financial Institutions, then the CFPB complaint portal. Keep copies of every message.