1st Advantage MortgageTrousdale County households have a median income of $72,747 and median rent of $853 a month (ACS 2020 to 2024). 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
- Trousdale County at a glance
- Work, industries and travel time in Trousdale County
- What Trousdale County households earn
- Trousdale County housing compared with Tennessee
- The communities that make up Trousdale County
- Trousdale County next to its neighbors
- Debt-to-income at Trousdale County's medians
- More Trousdale County figures
- Local borrowing considerations for Trousdale County
- Checklist for Trousdale County applicants
- Lender oversight for Trousdale County
- Nearby and statewide guides
- Frequently asked questions
Trousdale County at a glance
With an estimated 11,957 residents (ACS 2020 to 2024), Trousdale County ranks 86th of 95 in Tennessee for population. Packed into 114 square miles, that is close to 105 residents for every square mile of land. For statistical purposes it belongs to the Nashville-Davidson--Murfreesboro--Franklin, TN metro area, as delineated by the Office of Management and Budget in July 2023. Hartsville/Trousdale County, with about 11,957 people, is the only Census place mainly inside the county.
Work, industries and travel time in Trousdale County
The biggest employer of Trousdale County residents, by industry, is transportation, warehousing and utilities at 19% of workers, followed by education and health care (13%). The sharpest difference from the state is in transportation, warehousing and utilities, at 19% locally and 7% for Tennessee. The survey's unemployment rate for Trousdale County averages 0.6% over 2020 to 2024 (state: 4.7%). Long commutes are common here: 31% of workers spend 45 minutes or longer getting to work.
| Where residents work | Trousdale County | Difference from Tennessee |
|---|---|---|
| Transportation, warehousing and utilities | 18.8% | +11.6 pts |
| Education and health care | 12.7% | -9.7 pts |
| Manufacturing | 11.8% | -0.7 pts |
| Retail trade | 10.5% | -1.1 pts |
| Public administration | 10.2% | +6.0 pts |
| Professional and administrative services | 9.4% | -1.3 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 Trousdale County households earn
At $72,747, the typical Trousdale County household income is 11% above the median U.S. county ($65,681). That places it 17th among Tennessee's 95 county-level areas.
| Yearly household income | Trousdale County | Gap to Tennessee |
|---|---|---|
| Under $35,000 | 22.1% | -2.0 pts |
| $35,000 to $99,999 | 46.9% | +4.5 pts |
| $100,000 to $199,999 | 25.8% | +1.3 pts |
| $200,000 or more | 5.2% | -3.7 pts |
The spread is wide: 31% of Trousdale County households make $100,000 or more, and 22% make less than $35,000. 11.9% of residents fall below the federal poverty line (statewide: 13.8%). None of these numbers decides a Trousdale County application. Lenders weigh your own documented income against your own debts.
Trousdale County housing compared with Tennessee
Renters in Trousdale County pay a median of $853 a month, 28% below the Tennessee figure of $1,189. By the Census definition, 44% of Trousdale County renters are cost-burdened. The median owner-occupied home is valued at $337,600, about 4.6 times the median household income. Owners occupy 74% of homes.
| Measure | Trousdale County | Tennessee | Median U.S. county |
|---|---|---|---|
| Median gross rent | $853/mo | $1,189/mo | $877/mo |
| Median home value | $337,600 | $286,700 | $185,300 |
| Owners | 74% | 67% | 75% |
| Rent-burdened renters | 44% | 49% | 45% |
| Burdened owners | 29% | 25% | n/a |
In an owner-heavy county like Trousdale 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.
The communities that make up Trousdale County
Just one Census place, Hartsville/Trousdale County, lies mainly within Trousdale County; it holds about 11,957 people. None of the 1 has its own city guide, so this page covers all of them.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Hartsville/Trousdale County | place | 11,957 | $72,747 | $853 | 0 mi |
Trousdale County next to its neighbors
The six counties whose centers lie closest to Trousdale County's, from 13 to 27 miles away. Income ranges from $47,951 in Jackson County to $95,839 in Wilson County; 2 of these neighbors top Trousdale County's median. Some neighbors are in Kentucky. Lender licensing is state by state, so a loan for a Trousdale County resident follows Tennessee rules.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Trousdale County | - | $72,747 | $853/mo | 74% |
| Macon County, TN | 13 mi | $59,177 | $846/mo | 74% |
| Smith County, TN | 15 mi | $66,293 | $922/mo | 77% |
| Sumner County, TN | 18 mi | $90,301 | $1,424/mo | 72% |
| Wilson County, TN | 18 mi | $95,839 | $1,486/mo | 77% |
| Allen County, KY | 25 mi | $61,403 | $844/mo | 74% |
| Jackson County, TN | 27 mi | $47,951 | $758/mo | 81% |
Debt-to-income at Trousdale County's medians
The debt-to-income ratio is the main affordability test lenders use. Applied to Trousdale County's medians:
- $72,747 a year is $6,062 of gross monthly income
- Less median rent of $853, which is 14% of it
- $1,269: what a 35% ratio leaves once rent is paid
- At 45%, room after rent is $1,875 a month
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
More Trousdale County figures
Degree holders: 14% of adults over 25. 5.5% of residents have no health coverage.
| Indicator | Trousdale County | All of Tennessee | U.S. county median |
|---|---|---|---|
| Median age | 35.0 | 38.9 | 41.5 |
| Bachelor's or higher | 14.3% | 31.1% | 22.2% |
| No high school diploma | 14.0% | 10.0% | n/a |
| No health insurance | 5.5% | 10.0% | 7.8% |
| No vehicle | 4.2% | 5.2% | 5.4% |
| Work from home | 5.7% | 12.9% | 8.7% |
| Poverty rate | 11.9% | 13.8% | 13.2% |
| Unemployment (ACS) | 0.6% | 4.7% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 18.3% |
| 15 to 29 min | 24.6% |
| 30 to 44 min | 26.1% |
| 45 to 59 min | 17.0% |
| 60+ min | 14.0% |
Local borrowing considerations for Trousdale County
What the Trousdale County figures suggest, and what to check first:
- Commuter costs. 31% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- 19% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
Checklist for Trousdale County applicants
Steps that save money for Trousdale County residents:
- Borrow the amount the job needs; extra cash adds interest.
- Collect three written offers and compare APR and total repaid.
- A Tennessee license check takes minutes; do it first.
- Pick the shortest term whose payment still fits.
Lender oversight for Trousdale County
Consumer lenders serving Trousdale County are licensed by the state, not the county; in Tennessee that is the Tennessee Department of Financial Institutions. A CFPB complaint gets forwarded to the company for a response. See the Tennessee state guide for the statewide picture.
Nearby and statewide guides
The Tennessee guide covers the whole state.
Frequently asked questions
What is the median household income in Trousdale County?
$72,747 a year in the 2020 to 2024 Census survey, versus $69,595 for Tennessee. It ranks 17th of 95 in the state.
How does Trousdale County rent compare with Tennessee?
$853 locally versus $1,189 for the state, 28% below.
Should Trousdale County homeowners use home equity instead?
Maybe, but weigh the risk: 74% of Trousdale County homes are owner-occupied, and a home-equity loan or line is secured by the house while a personal loan usually is not.
I live in a small Trousdale County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Hartsville/Trousdale County.
Are Trousdale 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.