1st Advantage MortgageThe median Overton County household earns $48,959, and 16% of residents live below the poverty line. 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
- Overton County at a glance
- How much Overton County households make
- Employment and commuting in Overton County
- What it costs to live in Overton County
- Overton County towns compared
- Counties near Overton County
- Room for a loan payment in Overton County
- People and households in Overton County
- Reading the Overton County data as a borrower
- Four steps for Overton County borrowers
- Who licenses lenders for Overton County residents
- Related local guides
- Frequently asked questions
Overton County at a glance
Roughly 23,065 residents live in Overton County, Tennessee, 62nd by population among the state's 95 counties and county equivalents. It covers 433 square miles of land, or about 53 people per square mile. No metropolitan area includes Overton County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. Of the 2 Census places inside Overton County, Livingston leads by population with about 3,999; 1 of the 2 are incorporated.
How much Overton County households make
Half of Overton County households take in less than $48,959 a year and half take in more, 30% below the Tennessee median of $69,595. Only 85 Tennessee counties post a higher median.
| Income band | Share in Overton County | Difference from Tennessee |
|---|---|---|
| Under $35,000 | 36.5% | +12.4 pts |
| $35,000 to $99,999 | 42.0% | -0.5 pts |
| $100,000 to $199,999 | 15.4% | -9.1 pts |
| $200,000 or more | 6.1% | -2.8 pts |
The spread is wide: 22% of Overton County households make $100,000 or more, and 36% make less than $35,000. Census counts 16.3% of Overton County residents in poverty, against 13.8% across Tennessee. A household earning below the $48,959 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Employment and commuting in Overton County
Manufacturing employs 18% of working residents, the largest share; education and health care is next with 17%. Manufacturing stands out: 18% of workers here, versus 13% statewide. The survey's unemployment rate for Overton County averages 3.2% over 2020 to 2024 (state: 4.7%). 15% of commuters travel 45 minutes or more each way, and 8% work from home. Only 3.4% of homes here go without a vehicle.
| Top industries | Overton County share | +/- vs Tennessee |
|---|---|---|
| Manufacturing | 17.9% | +5.4 pts |
| Education and health care | 17.4% | -5.0 pts |
| Retail trade | 10.8% | -0.8 pts |
| Construction | 9.3% | +2.2 pts |
| Professional and administrative services | 8.0% | -2.6 pts |
| Transportation, warehousing and utilities | 7.6% | +0.4 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Overton County should have bank statements and tax returns ready.
What it costs to live in Overton County
Median gross rent, utilities included, comes to $832 in Overton County versus $1,189 statewide. By the Census definition, 46% of Overton County renters are cost-burdened. Home values center on $173,200, or 3.5 years of median income. Owners occupy 77% of homes.
| Overton County | Tennessee | U.S. county median | |
|---|---|---|---|
| Median gross rent | $832/mo | $1,189/mo | $877/mo |
| Median home value | $173,200 | $286,700 | $185,300 |
| Owners | 77% | 67% | 75% |
| Rent-burdened renters | 46% | 49% | 45% |
| Burdened owners | 28% | 25% | n/a |
| Mobile homes | 20.2% | 8.1% | n/a |
Because most Overton 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.
Overton County towns compared
2 Census places fall mainly inside Overton County; the 2 biggest are below. They account for 4,266 residents, leaving about 82% of the county in unincorporated, unnamed areas. Live in one of these Overton County communities, or between them? This is your local guide.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Livingston | town | 3,999 | $39,567 | $730 | 4 mi |
| Hilham | CDP | 267 | $75,938 | n/a | 10 mi |
Counties near Overton County
Nearest neighbors first, measured between county centers (18 to 28 miles). 3 of the six report a higher median household income than Overton County; Putnam County is highest at $58,912 and Clay County lowest at $39,972. Some neighbors are in Kentucky. Lender licensing is state by state, so a loan for a Overton County resident follows Tennessee rules.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Overton County | - | $48,959 | $832/mo | 77% |
| Putnam County, TN | 18 mi | $58,912 | $908/mo | 61% |
| Pickett County, TN | 19 mi | $49,030 | $564/mo | 83% |
| Fentress County, TN | 19 mi | $51,149 | $709/mo | 83% |
| Clay County, TN | 20 mi | $39,972 | $557/mo | 74% |
| Jackson County, TN | 22 mi | $47,951 | $758/mo | 81% |
| Clinton County, KY | 28 mi | $44,844 | $617/mo | 71% |
Room for a loan payment in Overton County
How much room does a median Overton 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, Overton County: $4,080
- Less median rent of $832, which is 20% of it
- 40% debt-to-income limit: $800 left for all other debt payments
If your rent is above $832, the room shrinks dollar for dollar.
People and households in Overton County
College graduates make up 15% of the adult population. 7.9% of residents have no health coverage.
| Overton County | Tennessee | U.S. county median | |
|---|---|---|---|
| Median age | 43.7 | 38.9 | 41.5 |
| Bachelor's or higher | 15.0% | 31.1% | 22.2% |
| No high school diploma | 17.2% | 10.0% | n/a |
| No health insurance | 7.9% | 10.0% | 7.8% |
| No vehicle | 3.4% | 5.2% | 5.4% |
| Work from home | 7.7% | 12.9% | 8.7% |
| Poverty rate | 16.3% | 13.8% | 13.2% |
| Unemployment (ACS) | 3.2% | 4.7% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 28.4% |
| 15 to 29 min | 34.1% |
| 30 to 44 min | 22.8% |
| 45 to 59 min | 8.5% |
| 60+ min | 6.1% |
Reading the Overton County data as a borrower
The county's numbers point to a few situations that come up often for Overton County borrowers.
- 20% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- Renters under pressure. When 46% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
Four steps for Overton County borrowers
Quick steps for Overton County:
- Borrow the amount the job needs; extra cash adds interest.
- Line up offers side by side: APR, fees in dollars, total cost.
- Verify the Tennessee license before giving out your Social Security number.
- Ask about early-payoff penalties.
Who licenses lenders for Overton County residents
Licensing happens at the state level, so a lender working with Overton County borrowers answers to the Tennessee Department of Financial Institutions. Problems with a lender can also go to the CFPB. More on Tennessee: Tennessee personal loans.
Related local guides
The Tennessee guide covers the whole state.
Frequently asked questions
What is the median household income in Overton County?
$48,959 a year in the 2020 to 2024 Census survey, versus $69,595 for Tennessee. It ranks 86th of 95 in the state.
How much is rent in Overton County?
Median gross rent, utilities included, is $832 a month; 46% of renters spend 30% or more of income on it.
Which towns does the Overton County guide cover?
Every community in the county, unincorporated areas included. The largest of its 2 Census places: Livingston, Hilham.
Will a Overton 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 Overton 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.