1st Advantage MortgageThe median Moore County household earns $66,469, and 8% of residents live below the poverty line. Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Moore County at a glance
- Jobs and commutes in Moore County
- Income in Moore County compared with Tennessee
- What it costs to live in Moore County
- The counties around Moore County
- The communities that make up Moore County
- Who lives in Moore County, in numbers
- Before borrowing in Moore County
- Budget math at the Moore County median
- Before you sign
- Who licenses lenders for Moore County residents
- Related local guides
- Frequently asked questions
Moore County at a glance
Roughly 6,674 residents live in Moore County, Tennessee, 92nd by population among the state's 95 counties and county equivalents. Packed into 129 square miles, that is close to 52 residents for every square mile of land. No metropolitan area includes Moore County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Lynchburg, Moore County, with about 6,674 people, is the only Census place mainly inside the county. With so few households sampled, Moore County estimates can move a lot between releases.
Jobs and commutes in Moore County
Manufacturing employs 23% of working residents, the largest share; education and health care is next with 18%. The sharpest difference from the state is in manufacturing, at 23% locally and 13% for Tennessee. Averaged over the five survey years, 4.5% of the labor force was out of work and looking. 10% of commuters travel 45 minutes or more each way, and 8% work from home.
| Industry (employed residents 16+) | Moore County | Gap to Tennessee |
|---|---|---|
| Manufacturing | 23.2% | +10.6 pts |
| Education and health care | 18.1% | -4.3 pts |
| Retail trade | 15.8% | +4.2 pts |
| Construction | 9.7% | +2.6 pts |
| Arts, lodging and food service | 6.3% | -2.6 pts |
| Professional and administrative services | 6.0% | -4.7 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
Income in Moore County compared with Tennessee
Half of Moore County households take in less than $66,469 a year and half take in more, 4% below the Tennessee median of $69,595. Only 22 Tennessee counties post a higher median.
| Households earning | Moore County | +/- vs Tennessee |
|---|---|---|
| Under $35,000 | 25.9% | +1.8 pts |
| $35,000 to $99,999 | 41.5% | -0.9 pts |
| $100,000 to $199,999 | 27.1% | +2.6 pts |
| $200,000 or more | 5.4% | -3.5 pts |
Some 26% of households here live on less than $35,000 a year; 33% have six-figure incomes. 8.0% of residents fall below the federal poverty line (statewide: 13.8%). If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Moore County median.
What it costs to live in Moore County
A typical Moore County rental runs $841 a month including utilities, which is 29% below Tennessee. Rent takes 30% or more of income for 25% of renter households here. The median owner-occupied home is valued at $285,300, about 4.3 times the median household income. 83% of Moore County households own their home and 17% rent. Median construction year: 1991.
| Moore County | Tennessee | U.S. county median | |
|---|---|---|---|
| Median gross rent | $841/mo | $1,189/mo | $877/mo |
| Median home value | $285,300 | $286,700 | $185,300 |
| Owners | 83% | 67% | 75% |
| Rent-burdened renters | 25% | 49% | 45% |
| Burdened owners | 43% | 25% | n/a |
| Mobile homes | 14.1% | 8.1% | n/a |
Owners with equity have a second option. Weigh a secured line against an unsecured loan by risk as well as cost before you choose (how they compare).
The counties around Moore County
Distances run center to center, from Bedford County at 17 miles out to Grundy County at 37. 2 of the six report a higher median household income than Moore County; Marshall County is highest at $71,049 and Grundy County lowest at $47,593.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Moore County | - | $66,469 | $841/mo | 83% |
| Bedford County, TN | 17 mi | $67,225 | $1,051/mo | 72% |
| Lincoln County, TN | 17 mi | $64,667 | $857/mo | 76% |
| Franklin County, TN | 17 mi | $63,494 | $894/mo | 77% |
| Coffee County, TN | 21 mi | $61,505 | $913/mo | 69% |
| Marshall County, TN | 26 mi | $71,049 | $946/mo | 77% |
| Grundy County, TN | 37 mi | $47,593 | $636/mo | 84% |
The communities that make up Moore County
Just one Census place, Lynchburg, Moore County, lies mainly within Moore County; it holds about 6,674 people. This guide covers each of the 1 places and the rural areas around them.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Lynchburg, Moore County | place | 6,674 | $66,469 | $841 | 0 mi |
Who lives in Moore County, in numbers
Degree holders: 24% of adults over 25. The uninsured rate is 7.0%, against 10.0% for Tennessee.
| Indicator | Moore County | All of Tennessee | U.S. county median |
|---|---|---|---|
| Median age | 46.2 | 38.9 | 41.5 |
| Bachelor's or higher | 24.1% | 31.1% | 22.2% |
| No high school diploma | 9.0% | 10.0% | n/a |
| No health insurance | 7.0% | 10.0% | 7.8% |
| No vehicle | 5.1% | 5.2% | 5.4% |
| Work from home | 8.4% | 12.9% | 8.7% |
| Poverty rate | 8.0% | 13.8% | 13.2% |
| Unemployment (ACS) | 4.5% | 4.7% | 4.4% |
| One-way commute | Share of Moore County workers |
|---|---|
| Under 15 min | 22.2% |
| 15 to 29 min | 44.9% |
| 30 to 44 min | 22.9% |
| 45 to 59 min | 4.3% |
| 60+ min | 5.7% |
Before borrowing in Moore County
Where the Moore County numbers stand out, and why it matters for a loan:
- Manufactured homes. 14% of Moore County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Fixed incomes. Moore County's median age is 46.2. Social Security and pensions count as income when documented.
- Consolidating cards in Moore County. Compare the total repaid, not the monthly figure (how).
Budget math at the Moore County median
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Moore County household at the medians it works out like this; treat it as an illustration only.
- Median income divided by twelve: $5,539 before taxes
- Less median rent of $841, which is 15% of it
- With a 40% ceiling, about $1,375 remains for car, card, student and any new loan payments
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Before you sign
Quick steps for Moore County:
- Size the loan to the bill, not to the most a lender offers.
- Line up offers side by side: APR, fees in dollars, total cost.
- A Tennessee license check takes minutes; do it first.
- Confirm the first due date before setting up autopay.
Who licenses lenders for Moore County residents
Moore County borrowers fall under statewide rules, enforced by the Tennessee Department of Financial Institutions. Federal complaints: consumerfinance.gov. The Tennessee guide covers state rules in more detail.
Related local guides
For statewide rules and data, see the Tennessee guide.
Frequently asked questions
What does a typical Moore County household make?
About $66,469 a year at the median (ACS 2020-24), 4% below the Tennessee median.
How does Moore County rent compare with Tennessee?
$841 locally versus $1,189 for the state, 29% below.
I own my home in Moore County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 83% of homes owner-occupied here, many readers can compare both in writing.
I live in a small Moore County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Lynchburg, Moore County.
Does my county matter to the questionnaire?
Only your state does. Whether you live in Moore County or elsewhere in Tennessee, the same rules apply.