1st Advantage MortgageAbout 72% of Warren County homes are owner-occupied, and the median household income is $55,487. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Who lives in Warren County
- Rent, home values and ownership in Warren County
- Income in Warren County compared with Tennessee
- Jobs and commutes in Warren County
- Cities, towns and CDPs in Warren County
- Warren County and the counties next door
- Warren County households compared
- Local borrowing considerations for Warren County
- Room for a loan payment in Warren County
- Checklist for Warren County applicants
- Who licenses lenders for Warren County residents
- Nearby and statewide guides
- Frequently asked questions
Who lives in Warren County
Roughly 42,166 residents live in Warren County, Tennessee, 38th by population among the state's 95 counties and county equivalents. Land area is 433 square miles (2024 Gazetteer), so density runs near 97 per square mile. It sits outside every metropolitan statistical area in the July 2023 OMB delineation. The Census Bureau counts 4 places in the county (4 incorporated, 0 census-designated); the largest is McMinnville, with about 13,844 residents, or 33% of the county.
Rent, home values and ownership in Warren County
A typical Warren County rental runs $827 a month including utilities, which is 30% below Tennessee. By the Census definition, 45% of Warren County renters are cost-burdened. Home values center on $192,900, or 3.5 years of median income. Owners occupy 72% of homes. Half the housing stock was built before 1979.
| Measure | Warren County | Tennessee | Median U.S. county |
|---|---|---|---|
| Median gross rent | $827/mo | $1,189/mo | $877/mo |
| Median home value | $192,900 | $286,700 | $185,300 |
| Owners | 72% | 67% | 75% |
| Rent-burdened renters | 45% | 49% | 45% |
| Burdened owners | 25% | 25% | n/a |
| Mobile homes | 13.3% | 8.1% | n/a |
| Vacant units | 13% | 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).
Income in Warren County compared with Tennessee
Half of Warren County households take in less than $55,487 a year and half take in more, 20% below the Tennessee median of $69,595. That places it 59th among Tennessee's 95 county-level areas.
| Band | Warren County | Compared with Tennessee |
|---|---|---|
| Under $35,000 | 30.5% | +6.5 pts |
| $35,000 to $99,999 | 48.6% | +6.1 pts |
| $100,000 to $199,999 | 17.1% | -7.4 pts |
| $200,000 or more | 3.8% | -5.1 pts |
The spread is wide: 21% of Warren County households make $100,000 or more, and 31% make less than $35,000. 15.7% of residents fall below the federal poverty line (statewide: 13.8%). Income inequality, measured by the Gini index, comes to 0.458 here. None of these numbers decides a Warren County application. Lenders weigh your own documented income against your own debts.
Jobs and commutes in Warren County
The biggest employer of Warren County residents, by industry, is education and health care at 20% of workers, followed by manufacturing (19%). The sharpest difference from the state is in manufacturing, at 19% locally and 13% for Tennessee. Averaged over the five survey years, 5.9% of the labor force was out of work and looking. Long commutes are common here: 21% of workers spend 45 minutes or longer getting to work. Households without a car make up 4.5% of the total (5.2% statewide).
| Industry | Share of Warren County workers | vs Tennessee |
|---|---|---|
| Education and health care | 19.9% | -2.5 pts |
| Manufacturing | 19.4% | +6.9 pts |
| Retail trade | 12.4% | +0.9 pts |
| Arts, lodging and food service | 8.6% | -0.3 pts |
| Construction | 7.0% | -0.1 pts |
| Transportation, warehousing and utilities | 6.5% | -0.7 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Warren County should have bank statements and tax returns ready.
Cities, towns and CDPs in Warren County
The table lists the 4 largest of 4 Census places in Warren County, by population. Together all 4 hold about 15,101 people, so roughly 64% of residents live outside any named place. None of the 4 has its own city guide, so this page covers all of them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| McMinnville | city | 13,844 | $47,179 | $791 | 1 mi |
| Morrison | town | 850 | $37,500 | $641 | 9 mi |
| Centertown | town | 263 | $53,333 | $888 | 9 mi |
| Viola | town | 144 | $48,068 | n/a | 10 mi |
Warren County and the counties next door
Distances run center to center, from Van Buren County at 18 miles out to White County at 25. 2 of the six report a higher median household income than Warren County; Coffee County is highest at $61,505 and Grundy County lowest at $47,593.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Warren County | - | $55,487 | $827/mo | 72% |
| Van Buren County, TN | 18 mi | $54,931 | $700/mo | 86% |
| Cannon County, TN | 18 mi | $59,443 | $908/mo | 78% |
| Grundy County, TN | 20 mi | $47,593 | $636/mo | 84% |
| DeKalb County, TN | 21 mi | $53,153 | $839/mo | 73% |
| Coffee County, TN | 21 mi | $61,505 | $913/mo | 69% |
| White County, TN | 25 mi | $52,188 | $849/mo | 77% |
Warren County households compared
Degree holders: 14% of adults over 25. 12.0% of residents have no health coverage.
| Indicator | Warren County | All of Tennessee | U.S. county median |
|---|---|---|---|
| Median age | 39.8 | 38.9 | 41.5 |
| Bachelor's or higher | 14.1% | 31.1% | 22.2% |
| No high school diploma | 13.7% | 10.0% | n/a |
| No health insurance | 12.0% | 10.0% | 7.8% |
| No vehicle | 4.5% | 5.2% | 5.4% |
| Work from home | 6.4% | 12.9% | 8.7% |
| Poverty rate | 15.7% | 13.8% | 13.2% |
| Unemployment (ACS) | 5.9% | 4.7% | 4.4% |
| One-way commute | Share of Warren County workers |
|---|---|
| Under 15 min | 30.7% |
| 15 to 29 min | 31.0% |
| 30 to 44 min | 17.8% |
| 45 to 59 min | 8.3% |
| 60+ min | 12.2% |
Local borrowing considerations for Warren County
Where the Warren County numbers stand out, and why it matters for a loan:
- Medical bills. 12% of Warren County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Vehicle repairs. 21% of Warren County workers commute 45+ minutes, so a breakdown can cost a paycheck. Get two written estimates.
- Repairs on manufactured housing. With 13% of homes here, compare a personal loan with any dealer or park repair program.
Room for a loan payment in Warren County
Warren County at the medians, through a lender's eyes (what DTI means):
- Start: $4,624 gross per month ($55,487 / 12)
- 18% goes to median rent ($827)
- $791: what a 35% ratio leaves once rent is paid
- At 45%, room after rent is $1,254 a month
If your rent is above $827, the room shrinks dollar for dollar.
Checklist for Warren County applicants
Four checks before you sign anything:
- Borrow the amount the job needs; extra cash adds interest.
- Line up offers side by side: APR, fees in dollars, total cost.
- Check the license, then the reviews, then the offer.
- Read the final agreement; it must match the offer.
Who licenses lenders for Warren County residents
Licensing happens at the state level, so a lender working with Warren 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.
Nearby and statewide guides
For statewide rules and data, see the Tennessee guide.
Frequently asked questions
How much do households in Warren County earn?
The median is $55,487; 21% earn $100,000 or more and 31% under $35,000. A lender uses your own documented income, not this figure.
How does Warren County rent compare with Tennessee?
$827 locally versus $1,189 for the state, 30% below.
I own my home in Warren County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 72% of homes owner-occupied here, many readers can compare both in writing.
Does this page cover McMinnville?
Yes, along with the other 3 Census places in Warren County, such as Morrison, Centertown, Viola.
Will a Warren County address affect my match?
Beyond confirming Tennessee as your state, no. Your answers about amount, credit, income and payments are all that count.