1st Advantage MortgageIn Stewart County, Tennessee, the typical household earns $63,114 a year and the typical rent is $945. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Tennessee before sharing details.
On this page
- A quick profile of Stewart County
- What Stewart County households earn
- The Stewart County job picture
- What it costs to live in Stewart County
- The communities that make up Stewart County
- Stewart County next to its neighbors
- A Stewart County household budget, worked through
- Local borrowing considerations for Stewart County
- Stewart County residents: age, schooling, coverage
- Four steps for Stewart County borrowers
- Who licenses lenders for Stewart County residents
- Related local guides
- Frequently asked questions
A quick profile of Stewart County
Stewart County is home to about 14,027 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 80th most populous of 95 county-level areas in Tennessee. Spread over 460 square miles, that works out to roughly 30.5 residents per square mile. It is one of the counties that make up the Clarksville, TN-KY metropolitan statistical area (OMB, 2023). The Census Bureau counts 3 places in the county (2 incorporated, 1 census-designated); the largest is Dover, with about 1,956 residents, or 14% of the county.
What Stewart County households earn
At $63,114, the typical Stewart County household income is 4% below the median U.S. county ($65,681). In the state ranking that is 31st of 95.
| Band | Stewart County | Compared with Tennessee |
|---|---|---|
| Under $35,000 | 29.0% | +4.9 pts |
| $35,000 to $99,999 | 42.5% | 0.0 pts |
| $100,000 to $199,999 | 23.0% | -1.5 pts |
| $200,000 or more | 5.5% | -3.4 pts |
Some 29% of households here live on less than $35,000 a year; 29% have six-figure incomes. 16.4% of residents fall below the federal poverty line (statewide: 13.8%). For a borrower in Stewart County, the county median is only context: a lender looks at the income you can document, so pay stubs, benefit letters or tax returns matter more than any average.
The Stewart County job picture
By the Census industry count, 20% of employed Stewart County residents work in education and health care and 15% in manufacturing. The sharpest difference from the state is in construction, at 11% locally and 7% for Tennessee. ACS puts five-year average unemployment at 2.7% in Stewart County. About 75% drive to work alone and 40% have trips of 45 minutes or more.
| Where residents work | Stewart County | Difference from Tennessee |
|---|---|---|
| Education and health care | 20.1% | -2.3 pts |
| Manufacturing | 15.4% | +2.9 pts |
| Construction | 11.1% | +4.0 pts |
| Retail trade | 8.4% | -3.1 pts |
| Transportation, warehousing and utilities | 8.4% | +1.2 pts |
| Arts, lodging and food service | 8.1% | -0.9 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
What it costs to live in Stewart County
Renters in Stewart County pay a median of $945 a month, 21% below the Tennessee figure of $1,189. 32% of renting households spend 30% or more of income on rent, and 8% spend half or more. The median owner-occupied home is valued at $204,700, about 3.2 times the median household income. The ownership rate is 81%. The median year built is 1989.
| Measure | Stewart County | Tennessee | Median U.S. county |
|---|---|---|---|
| Median gross rent | $945/mo | $1,189/mo | $877/mo |
| Median home value | $204,700 | $286,700 | $185,300 |
| Owners | 81% | 67% | 75% |
| Rent-burdened renters | 32% | 49% | 45% |
| Burdened owners | 30% | 25% | n/a |
| Mobile homes | 21.0% | 8.1% | n/a |
| Vacant units | 21% | 10% | 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 communities that make up Stewart County
The table lists the 3 largest of 3 Census places in Stewart County, by population. Together all 3 hold about 2,693 people, so roughly 81% of residents live outside any named place. Live in one of these Stewart County communities, or between them? This is your local guide.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Dover | city | 1,956 | $75,190 | $743 | 2 mi |
| Cumberland City | town | 574 | $56,250 | $858 | 11 mi |
| Big Rock | CDP | 163 | $77,344 | n/a | 9 mi |
A CDP is a named community without its own municipal government.
Stewart County next to its neighbors
Houston County is closest, 13 miles from center to center; the sixth, Humphreys County, is 29 miles off. Montgomery County leads the group on income ($75,613), Henry County trails ($50,613), and Stewart County out-earns 5 of the six. Some neighbors are in Kentucky. Lender licensing is state by state, so a loan for a Stewart County resident follows Tennessee rules.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Stewart County | - | $63,114 | $945/mo | 81% |
| Houston County, TN | 13 mi | $59,576 | $735/mo | 81% |
| Montgomery County, TN | 24 mi | $75,613 | $1,308/mo | 62% |
| Trigg County, KY | 24 mi | $59,857 | $803/mo | 77% |
| Calloway County, KY | 28 mi | $52,706 | $870/mo | 64% |
| Henry County, TN | 29 mi | $50,613 | $761/mo | 74% |
| Humphreys County, TN | 29 mi | $60,616 | $862/mo | 78% |
A Stewart County household budget, worked through
How much room does a median Stewart County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- $5,260 a month: gross income for a household at the Stewart County median
- 18% goes to median rent ($945)
- At 36%, room after rent is $948 a month
Two-income households and single earners in Stewart County land in very different places on this math, so run it for your own budget.
Local borrowing considerations for Stewart County
Where the Stewart County numbers stand out, and why it matters for a loan:
- Health costs. With 12% of the county uninsured, an interest-free hospital payment plan usually beats a loan (medical bills).
- Commuter costs. 40% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- 21% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
Stewart County residents: age, schooling, coverage
College graduates make up 18% of the adult population. 11.8% of residents have no health coverage.
| Measure | Stewart County | Tennessee statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 44.3 | 38.9 | 41.5 |
| Bachelor's or higher | 17.6% | 31.1% | 22.2% |
| No high school diploma | 10.6% | 10.0% | n/a |
| No health insurance | 11.8% | 10.0% | 7.8% |
| No vehicle | 4.8% | 5.2% | 5.4% |
| Work from home | 5.9% | 12.9% | 8.7% |
| Poverty rate | 16.4% | 13.8% | 13.2% |
| Unemployment (ACS) | 2.7% | 4.7% | 4.4% |
| Commute length | Stewart County |
|---|---|
| Under 15 min | 23.8% |
| 15 to 29 min | 21.0% |
| 30 to 44 min | 15.4% |
| 45 to 59 min | 22.4% |
| 60+ min | 17.4% |
Four steps for Stewart County borrowers
A short checklist for Stewart County borrowers:
- Borrow the amount the job needs; extra cash adds interest.
- Compare the total repaid on every offer, not just the payment.
- Check the license, then the reviews, then the offer.
- Read the final agreement; it must match the offer.
Who licenses lenders for Stewart County residents
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. See the Tennessee state guide for the statewide picture.
Related local guides
The Tennessee guide covers the whole state.
Frequently asked questions
What does a typical Stewart County household make?
About $63,114 a year at the median (ACS 2020-24), 9% below the Tennessee median.
Is Stewart County expensive for renters?
Median rent is $945 against $1,189 statewide, and 32% of renter households are cost-burdened.
Which towns does the Stewart County guide cover?
Every community in the county, unincorporated areas included. The largest of its 3 Census places: Dover, Cumberland City, Big Rock.
Can Stewart County residents use the questionnaire?
Yes. It asks the same questions in every Tennessee county, lists every requirement up front and does not affect your credit score.
Is there a Stewart County office that licenses lenders?
No, licensing is statewide. In Tennessee it is the Tennessee Department of Financial Institutions.