1st Advantage MortgageAbout 78% of Robertson County homes are owner-occupied, and the median household income is $83,047. 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
- Robertson County, TN: the basics
- Rent, home values and ownership in Robertson County
- Income in Robertson County compared with Tennessee
- Work, industries and travel time in Robertson County
- Counties near Robertson County
- Places inside Robertson County
- Room for a loan payment in Robertson County
- Who lives in Robertson County, in numbers
- Before borrowing in Robertson County
- Checking a lender's license in Tennessee
- Four steps for Robertson County borrowers
- Related local guides
- Frequently asked questions
Robertson County, TN: the basics
Robertson County is home to about 75,539 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 19th most populous of 95 county-level areas in Tennessee. It covers 476 square miles of land, or about 159 people per square mile. The federal metro definitions (OMB, July 2023) place it in the Nashville-Davidson--Murfreesboro--Franklin, TN metropolitan area. Of the 9 Census places inside Robertson County, Springfield leads by population with about 19,255; 9 of the 9 are incorporated.
Rent, home values and ownership in Robertson County
Median gross rent, utilities included, comes to $1,199 in Robertson County versus $1,189 statewide. By the Census definition, 48% of Robertson County renters are cost-burdened. Home values center on $335,000, or 4.0 years of median income. Owners occupy 78% of homes.
| Housing | Robertson County | Tennessee statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $1,199/mo | $1,189/mo | $877/mo |
| Median home value | $335,000 | $286,700 | $185,300 |
| Owners | 78% | 67% | 75% |
| Rent-burdened renters | 48% | 49% | 45% |
| Burdened owners | 24% | 25% | n/a |
| Mobile homes | 7.4% | 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).
Income in Robertson County compared with Tennessee
The median household income in Robertson County is $83,047; statewide it is $69,595, so Robertson County runs 19% above Tennessee as a whole. In the state ranking that is 8th of 95.
| Income band | Share in Robertson County | Difference from Tennessee |
|---|---|---|
| Under $35,000 | 16.3% | -7.8 pts |
| $35,000 to $99,999 | 45.4% | +2.9 pts |
| $100,000 to $199,999 | 30.4% | +5.9 pts |
| $200,000 or more | 7.9% | -1.0 pts |
Some 16% of households here live on less than $35,000 a year; 38% have six-figure incomes. The poverty rate is 10.4%, 3 points lower than the state's 13.8%. The Gini index of income inequality is 0.414 (0 is perfect equality). If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Robertson County median.
Work, industries and travel time in Robertson County
By the Census industry count, 20% of employed Robertson County residents work in education and health care and 14% in manufacturing. The sharpest difference from the state is in construction, at 10% locally and 7% for Tennessee. Averaged over the five survey years, 3.3% of the labor force was out of work and looking. 27% of commuters travel 45 minutes or more each way, and 12% work from home. Only 3.3% of homes here go without a vehicle.
| Industry (employed residents 16+) | Robertson County | Gap to Tennessee |
|---|---|---|
| Education and health care | 20.5% | -1.9 pts |
| Manufacturing | 14.4% | +1.9 pts |
| Retail trade | 11.9% | +0.4 pts |
| Professional and administrative services | 10.2% | -0.5 pts |
| Construction | 9.9% | +2.8 pts |
| Transportation, warehousing and utilities | 6.9% | -0.3 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Robertson County should have bank statements and tax returns ready.
Counties near Robertson County
Simpson County is closest, 22 miles from center to center; the sixth, Todd County, is 28 miles off. 2 of the six report a higher median household income than Robertson County; Sumner County is highest at $90,301 and Simpson County lowest at $59,858. The list crosses into Kentucky, where different lending rules and regulators apply.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Robertson County | - | $83,047 | $1,199/mo | 78% |
| Simpson County, KY | 22 mi | $59,858 | $1,012/mo | 67% |
| Cheatham County, TN | 23 mi | $89,852 | $1,345/mo | 82% |
| Logan County, KY | 23 mi | $60,382 | $751/mo | 74% |
| Sumner County, TN | 23 mi | $90,301 | $1,424/mo | 72% |
| Davidson County, TN | 25 mi | $77,853 | $1,582/mo | 53% |
| Todd County, KY | 28 mi | $61,103 | $851/mo | 76% |
Places inside Robertson County
The table lists the 9 largest of 9 Census places in Robertson County, by population. Together all 9 hold about 43,116 people, so roughly 43% of residents live outside any named place. Incomes vary by place: $118,241 at the median in Coopertown, $59,465 in Springfield. Rent is cheapest in Springfield ($1,139) and steepest in Orlinda ($1,531). No Robertson County place has a separate guide yet; this county page serves all 9.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Springfield | city | 19,255 | $59,465 | $1,139 | 2 mi |
| Greenbrier | town | 6,971 | $85,174 | $1,212 | 8 mi |
| Millersville | city | 5,836 | $71,789 | $1,475 | 13 mi |
| Coopertown | town | 4,640 | $118,241 | $1,435 | 9 mi |
| Ridgetop | city | 1,995 | $85,063 | $1,154 | 10 mi |
| Cross Plains | city | 1,922 | $76,319 | $1,153 | 11 mi |
| Orlinda | city | 1,214 | $84,250 | $1,531 | 11 mi |
| Adams | city | 888 | $75,000 | $1,150 | 11 mi |
| Cedar Hill | city | 395 | $74,375 | $1,650 | 7 mi |
Room for a loan payment in Robertson County
The debt-to-income ratio is the main affordability test lenders use. Applied to Robertson County's medians:
- Start: $6,921 gross per month ($83,047 / 12)
- Less median rent of $1,199, which is 17% of it
- 40% debt-to-income limit: $1,569 left for all other debt payments
If your rent is above $1,199, the room shrinks dollar for dollar.
Who lives in Robertson County, in numbers
Degree holders: 22% of adults over 25. About 10% go without health insurance.
| People and households | Robertson County | Tennessee | Median county |
|---|---|---|---|
| Median age | 38.7 | 38.9 | 41.5 |
| Bachelor's or higher | 22.4% | 31.1% | 22.2% |
| No high school diploma | 9.7% | 10.0% | n/a |
| No health insurance | 10.2% | 10.0% | 7.8% |
| No vehicle | 3.3% | 5.2% | 5.4% |
| Work from home | 12.2% | 12.9% | 8.7% |
| Poverty rate | 10.4% | 13.8% | 13.2% |
| Unemployment (ACS) | 3.3% | 4.7% | 4.4% |
| One-way commute | Share of Robertson County workers |
|---|---|
| Under 15 min | 18.3% |
| 15 to 29 min | 27.7% |
| 30 to 44 min | 27.2% |
| 45 to 59 min | 16.4% |
| 60+ min | 10.3% |
Before borrowing in Robertson County
A few patterns in the Robertson County data, and the practical point behind each:
- Hospital bills in Robertson County. For the 10% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Commuter costs. 27% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- Renters under pressure. When 48% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
Checking a lender's license in Tennessee
Before sharing details with a lender, a Robertson County resident can confirm its license with the Tennessee Department of Financial Institutions. Federal complaints: consumerfinance.gov. Statewide data and rules: Tennessee guide.
Four steps for Robertson County borrowers
Four checks before you sign anything:
- Write down what the expense costs; a smaller loan costs less.
- Shop at least three lenders, including one Robertson County-area credit union.
- Look the lender up with the state regulator first.
- Lock paid-off cards after consolidating so balances stay at zero.
Related local guides
For statewide rules and data, see the Tennessee guide.
Frequently asked questions
What is the median household income in Robertson County?
$83,047 a year in the 2020 to 2024 Census survey, versus $69,595 for Tennessee. It ranks 8th of 95 in the state.
Is Robertson County expensive for renters?
Median rent is $1,199 against $1,189 statewide, and 48% of renter households are cost-burdened.
Should Robertson County homeowners use home equity instead?
Maybe, but weigh the risk: 78% of Robertson County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
What are the biggest places in Robertson County?
By population: Springfield, Greenbrier, Millersville, Coopertown, Ridgetop. The county has 9 Census places in all.
Are Robertson County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.