1st Advantage MortgageAbout 77% of Marshall County homes are owner-occupied, and the median household income is $71,049. 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
- Who lives in Marshall County
- How much Marshall County households make
- Jobs and commutes in Marshall County
- Rent, home values and ownership in Marshall County
- Regional comparison for Marshall County
- The communities that make up Marshall County
- Room for a loan payment in Marshall County
- Borrowing situations common in Marshall County
- More Marshall County figures
- Lender oversight for Marshall County
- Four steps for Marshall County borrowers
- More guides for Marshall County
- Frequently asked questions
Who lives in Marshall County
Roughly 36,049 residents live in Marshall County, Tennessee, 43rd by population among the state's 95 counties and county equivalents. Packed into 375 square miles, that is close to 96 residents for every square mile of land. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. The Census Bureau counts 3 places in the county (3 incorporated, 0 census-designated); the largest is Lewisburg, with about 12,861 residents, or 36% of the county.
How much Marshall County households make
The median household income in Marshall County is $71,049; statewide it is $69,595, so Marshall County runs 2% above Tennessee as a whole. Only 18 Tennessee counties post a higher median.
| Yearly household income | Marshall County | Gap to Tennessee |
|---|---|---|
| Under $35,000 | 20.5% | -3.6 pts |
| $35,000 to $99,999 | 45.9% | +3.5 pts |
| $100,000 to $199,999 | 26.1% | +1.6 pts |
| $200,000 or more | 7.5% | -1.4 pts |
The spread is wide: 34% of Marshall County households make $100,000 or more, and 20% make less than $35,000. 11.8% of residents fall below the federal poverty line (statewide: 13.8%). The Gini index of income inequality is 0.454 (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.
Jobs and commutes in Marshall County
Education and health care employs 24% of working residents, the largest share; manufacturing is next with 16%. Manufacturing stands out: 16% of workers here, versus 13% statewide. Averaged over the five survey years, 3.9% of the labor force was out of work and looking. About 78% drive to work alone and 29% have trips of 45 minutes or more. Only 3.2% of homes here go without a vehicle.
| Top industries | Marshall County share | +/- vs Tennessee |
|---|---|---|
| Education and health care | 23.5% | +1.2 pts |
| Manufacturing | 15.7% | +3.2 pts |
| Retail trade | 11.1% | -0.4 pts |
| Professional and administrative services | 9.6% | -1.1 pts |
| Construction | 8.6% | +1.5 pts |
| Other services | 6.0% | +1.2 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Rent, home values and ownership in Marshall County
A typical Marshall County rental runs $946 a month including utilities, which is 20% below Tennessee. 40% of renting households spend 30% or more of income on rent, and 19% spend half or more. Home values center on $279,800, or 3.9 years of median income. The ownership rate is 77%. Half the housing stock was built before 1991.
| Cost | Marshall County | Tennessee figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $946/mo | $1,189/mo | $877/mo |
| Median home value | $279,800 | $286,700 | $185,300 |
| Owners | 77% | 67% | 75% |
| Rent-burdened renters | 40% | 49% | 45% |
| Burdened owners | 25% | 25% | n/a |
| Mobile homes | 7.6% | 8.1% | n/a |
In an owner-heavy county like Marshall 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.
Regional comparison for Marshall County
The six counties whose centers lie closest to Marshall County's, from 18 to 30 miles away. 2 of the six report a higher median household income than Marshall County; Williamson County is highest at $135,594 and Giles County lowest at $62,307.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Marshall County | - | $71,049 | $946/mo | 77% |
| Bedford County, TN | 18 mi | $67,225 | $1,051/mo | 72% |
| Maury County, TN | 20 mi | $76,130 | $1,300/mo | 71% |
| Giles County, TN | 24 mi | $62,307 | $862/mo | 73% |
| Lincoln County, TN | 25 mi | $64,667 | $857/mo | 76% |
| Moore County, TN | 26 mi | $66,469 | $841/mo | 83% |
| Williamson County, TN | 30 mi | $135,594 | $1,969/mo | 79% |
The communities that make up Marshall County
The table lists the 3 largest of 3 Census places in Marshall County, by population. Together all 3 hold about 16,420 people, so roughly 54% of residents live outside any named place. Chapel Hill has the highest median household income on the list ($75,441) and Lewisburg the lowest ($48,341), counting places with at least 500 residents. This guide covers each of the 3 places and the rural areas around them.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Lewisburg | city | 12,861 | $48,341 | $872 | 2 mi |
| Cornersville | town | 1,847 | $64,375 | $937 | 9 mi |
| Chapel Hill | town | 1,712 | $75,441 | $1,097 | 12 mi |
Room for a loan payment in Marshall County
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Marshall County household at the medians it works out like this; treat it as an illustration only.
- Median income divided by twelve: $5,921 before taxes
- Less median rent of $946, which is 16% of it
- $1,126: what a 35% ratio leaves once rent is paid
- With a 45% ceiling, about $1,718 remains for car, card, student and any new loan payments
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Marshall County's.
Borrowing situations common in Marshall County
Where the Marshall County numbers stand out, and why it matters for a loan:
- Uninsured care. 10% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Commuter costs. 29% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- Combining balances. It helps when total cost falls and the cards stay paid down (consolidation).
More Marshall County figures
College graduates make up 23% of the adult population. About 10% go without health insurance.
| Residents | Marshall County | Tennessee | Middle U.S. county |
|---|---|---|---|
| Median age | 39.5 | 38.9 | 41.5 |
| Bachelor's or higher | 23.1% | 31.1% | 22.2% |
| No high school diploma | 9.2% | 10.0% | n/a |
| No health insurance | 10.4% | 10.0% | 7.8% |
| No vehicle | 3.2% | 5.2% | 5.4% |
| Work from home | 14.3% | 12.9% | 8.7% |
| Poverty rate | 11.8% | 13.8% | 13.2% |
| Unemployment (ACS) | 3.9% | 4.7% | 4.4% |
| Minutes to work | Marshall County workers |
|---|---|
| Under 15 min | 30.8% |
| 15 to 29 min | 20.1% |
| 30 to 44 min | 20.5% |
| 45 to 59 min | 13.9% |
| 60+ min | 14.6% |
Lender oversight for Marshall 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. More on Tennessee: Tennessee personal loans.
Four steps for Marshall County borrowers
Quick steps for Marshall County:
- Get a written quote for whatever you are paying for in Marshall County.
- Collect three written offers and compare APR and total repaid.
- Confirm the lender is licensed in Tennessee.
- Lock paid-off cards after consolidating so balances stay at zero.
More guides for Marshall County
For statewide rules and data, see the Tennessee guide.
Frequently asked questions
What does a typical Marshall County household make?
About $71,049 a year at the median (ACS 2020-24), 2% above the Tennessee median.
How does Marshall County rent compare with Tennessee?
$946 locally versus $1,189 for the state, 20% below.
Which towns does the Marshall County guide cover?
Every community in the county, unincorporated areas included. The largest of its 3 Census places: Lewisburg, Cornersville, Chapel Hill.
Will a Marshall 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 Marshall 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.