Tennessee · GEOID 47063

Hamblen County

2024 ACS 5-year estimates · population 65,669 · 28,095 housing units

Median household income

$55,454

State $71,186

Median home value

$210,900

State $297,751

Median gross rent

$857

State $1,211

Homeownership rate

69.8%

State 66.9%

Renter cost-burden rate

44.7%

≥30% of income

Owner cost-burden rate

15.8%

≥30% of income

Homeowner vacancy

0.6%

Of owner-occupied + for-sale units

Rental vacancy

6.3%

Of renter-occupied + for-rent units

Overall vacancy

6.9%

All housing units

Price-to-income ratio

3.80

Affordable: 2.0–3.0

Section 1

Community Profile

Population, demographics, household composition, and income.

Community Data Summary

	Hamblen County	Tennessee
Population	65,669	7,066,383
Population density (per sq. mi.)	407.41	—
Median household income	$55,454	$71,186
HUD Area Median Income (4-person, 100%)	$80,100	—
Households	26,146	—
Average household size	2.49 people	—
Owner-occupied	69.8%	66.9%
Renter-occupied	30.2%	33.1%
Race	79.4% White · 2.9% Black	0.0% White · 0.0% Black

Source: ACS 5-year 2024 (Tables DP05, S1101, DP04, S1901) and Census Gazetteer (land area); HUD FY2026 Income Limits.

Racial composition

Hamblen County compared with Tennessee.

Source: ACS 5-year 2024, Table DP05.

Educational attainment (population 25+)

20.0% hold a bachelor's degree or higher (state: 31.1%).

Source: ACS 5-year 2024, Table S1501.

Median Household Income by Tenure

Owner-occupied vs. renter-occupied household income, county and state.

Source: ACS 5-year 2024, Table B25119.

Median Household Income by Age of Householder

Median household income by age group of householder.

Source: ACS 5-year 2024, Table B19049.

Median Household Income by Number of Earners

Median household income for families with each earner count.

Source: ACS 5-year 2024, Table S1903.

Household Size

Distribution of households by number of people.

Source: ACS 5-year 2024, Table S2501.

Income by Number of Earners

Earners	Share	Median income	Attainable monthly housing cost	Attainable home
0 earners	20.5%	$35,072	$877	$99,530
1 earner	31.7%	$58,061	$1,452	$185,103
2 earners	37.5%	$91,009	$2,275	$307,747
3+ earners	10.2%	$128,585	$3,215	$447,617

Attainable monthly housing cost = 30% of gross income ÷ 12. Attainable home price assumes 30% housing budget, 30-yr mortgage at 7%, 5% down.

Source: ACS 5-year 2024, Table S1903; affordability formula derived.

Households

26,146

Average size: 2.49 people

Households with children

7,214

27.6% of households

Per-capita income

$30,437

Poverty rate: 17.4%

Section 2

Residential Market Analysis

Housing stock characteristics — tenure, type, age, size, vacancy, rents.

Tenure

69.8% owner-occupied vs. state average 66.9%.

Source: ACS 5-year 2024, Table DP04.

Structure type

Single-family share 71.8% · Missing middle (2–19 units) 15.8%.

Source: ACS 5-year 2024, Table B25024.

Housing stock by decade

50.9% built before 1980 · Median structure age 1,980.00 yrs.

Source: ACS 5-year 2024, Table S2504.

Housing size mismatch

Compares the share of housing units by bedroom count against the share of households by size — a common diagnostic of housing supply/demand alignment.

Source: ACS 5-year 2024, Tables B25041 (bedrooms) and S2501 (household size).

Home value distribution

Owner-occupied homes by value bracket. Median: $210,900.

Source: ACS 5-year 2024, Table DP04.

Monthly Housing Costs

Distribution of monthly housing costs across all occupied units.

Source: ACS 5-year 2024, Table B25104.

Number of Bedrooms

Housing units by number of bedrooms.

Source: ACS 5-year 2024, Table B25041.

Median rent by bedroom

Overall median gross rent: $857.

Source: ACS 5-year 2024, Table B25031.

Renters by age

Number of renter householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Owners by age

Number of owner householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Vacancy composition

All 1,949 vacant units split into Census's seven categories. Frictional vacancy (units actively on the market) reflects healthy churn. Structural vacancy (seasonal, migrant, other) sits outside the market for year-round residents — high values change how the headline vacancy rate should be read.

Vacant units by type

For sale 5.9% · For rent 27.4% · Seasonal 4.4% · Other 57.6%.

Source: ACS 5-year 2024, Table B25004.

Frictional vs structural

38.0% of vacancy is frictional (for sale + for rent + rented/sold not yet occupied); 62.0% is structural (seasonal + migrant + other).

Source: ACS 5-year 2024, Table B25004.

Seasonal / recreational share of all housing

0.3%

86 units of 28,095 total

Housing units held for seasonal or recreational use.

"Other vacant" share of all housing

4.0%

1,122 units of 28,095 total

Census "Other vacant" — units off the market for reasons other than seasonal, migrant, sale, or rental.

Section 3

Workforce Housing Needs Assessment

Affordability, cost burden, and the housing options for households in the workforce income range.

Workforce range — ACS median household income

80% MHI$44,363

100% MHI$55,454

120% MHI$66,545

County-wide median from ACS 5-year estimates. A household at 100% MHI in Hamblen County should be able to afford a home up to roughly — (30% housing budget, default mortgage terms).

Workforce range — HUD Area Median Income

	1-person	2-person	4-person
80% AMI	$44,900	$51,300	$64,100
100% AMI	$56,070	$64,080	$80,100
120% AMI	$67,300	$76,900	$96,100

HUD FMR Area: Morristown, TN HUD Metro FMR Area. 80% AMI uses HUD's published Section 8 Low Income Limits; 100% is HUD MFI; 120% is the standard workforce convention.

Affordability calculator

Follows the standard 30%-of-gross-income affordability rule.

Income basis Household income Interest rate % Down payment % Taxes & insurance / yr

Affordable monthly—

Affordable home price—

Renter cost burden

44.7% of renter households spend ≥30% of income on rent (22.3% spend ≥50%).

Source: ACS 5-year 2024, Table B25070.

Owner cost burden by income

15.8% of homeowners spend ≥30% of income on housing. Bars show counts of cost-burdened owners by income bracket.

Source: ACS 5-year 2024, Table B25106.

Household income — owners vs renters

Distribution of household income for owner-occupied (navy) and renter-occupied (gold) households.

Source: ACS 5-year 2024, Table B25118.

Section 4

Industry & Workforce Wages

Employment, average wages, and the housing each industry's typical earner can afford in Hamblen County.

Covered employment

32,378

Across 19 sectors

Establishments

1,559

QCEW 2024

Avg annual pay (workforce)

$50,596

Employment-weighted across sectors

Top 10 sectors by employment

Annual average employment by NAICS 2-digit sector. Counties with fewer than five covered establishments in a sector may show suppressed totals.

Source: BLS QCEW Annual Averages, 2024.

Attainable housing by industry

Industry	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 31-33 Manufacturing NAICS 31-33	10,149	$59,635	$190,962	−$19,938	$1,491
NAICS 44-45 Retail trade NAICS 44-45	4,085	$34,821	$98,596	−$112,304	$871
NAICS 62 Health care and social assistance NAICS 62	3,716	$54,115	$170,415	−$40,485	$1,353
NAICS 72 Accommodation and food services NAICS 72	2,865	$23,129	$55,074	−$155,826	$578
NAICS 56 Administrative and support and waste management and remediation services NAICS 56	2,835	$39,921	$117,580	−$93,320	$998
NAICS 61 Educational services NAICS 61	2,455	$47,771	$146,800	−$64,100	$1,194
NAICS 23 Construction NAICS 23	1,401	$66,484	$216,456	+$5,556	$1,662
NAICS 92 Public administration NAICS 92	1,082	$54,468	$171,729	−$39,171	$1,362
NAICS 42 Wholesale trade NAICS 42	1,067	$79,873	$266,295	+$55,395	$1,997
NAICS 81 Other services (except public administration) NAICS 81	777	$36,864	$106,201	−$104,699	$922
NAICS 54 Professional, scientific, and technical services NAICS 54	465	$74,562	$246,526	+$35,626	$1,864
NAICS 52 Finance and insurance NAICS 52	430	$64,174	$207,858	−$3,042	$1,604
NAICS 51 Information NAICS 51	217	$78,462	$261,043	+$50,143	$1,962
NAICS 53 Real estate and rental and leasing NAICS 53	214	$44,120	$133,210	−$77,690	$1,103
NAICS 22 Utilities NAICS 22	183	$80,605	$269,020	+$58,120	$2,015
NAICS 55 Management of companies and enterprises NAICS 55	160	$81,563	$272,586	+$61,686	$2,039
NAICS 71 Arts, entertainment, and recreation NAICS 71	145	$23,661	$57,055	−$153,845	$592
NAICS 48-49 Transportation and warehousing NAICS 48-49	117	$54,703	$172,604	−$38,296	$1,368
NAICS 99 Unclassified NAICS 99	15	$39,655	$116,590	−$94,310	$991

Subsector	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 336 Transportation equipment manufacturing NAICS 336	3,330	$64,108	$207,612	−$3,288	$1,603
NAICS 561 Administrative and support services NAICS 561	2,735	$39,170	$114,785	−$96,115	$979
NAICS 722 Food services and drinking places NAICS 722	2,726	$23,147	$55,141	−$155,759	$579
NAICS 611 Educational services NAICS 611	2,455	$47,771	$146,800	−$64,100	$1,194
NAICS 621 Ambulatory health care services NAICS 621	1,829	$62,180	$200,436	−$10,464	$1,555
NAICS 455 General merchandise retailers NAICS 455	1,194	$28,705	$75,830	−$135,070	$718
NAICS 339 Miscellaneous manufacturing NAICS 339	884	$61,617	$198,340	−$12,560	$1,540
NAICS 332 Fabricated metal product manufacturing NAICS 332	878	$66,338	$215,913	+$5,013	$1,658
NAICS 624 Social assistance NAICS 624	724	$37,942	$110,213	−$100,687	$949
NAICS 445 Food and beverage retailers NAICS 445	721	$22,269	$51,873	−$159,027	$557
NAICS 921 Executive, legislative, and other general government support NAICS 921	708	$46,640	$142,590	−$68,310	$1,166
NAICS 441 Motor vehicle and parts dealers NAICS 441	665	$60,914	$195,723	−$15,177	$1,523
NAICS 423 Merchant wholesalers, durable goods NAICS 423	597	$73,810	$243,726	+$32,826	$1,845
NAICS 484 Truck transportation NAICS 484	567	$62,921	$203,194	−$7,706	$1,573
NAICS 321 Wood product manufacturing NAICS 321	525	$45,837	$139,601	−$71,299	$1,146
NAICS 541 Professional, scientific, and technical services NAICS 541	465	$74,562	$246,526	+$35,626	$1,864
NAICS 326 Plastics and rubber products manufacturing NAICS 326	453	$61,529	$198,012	−$12,888	$1,538
NAICS 337 Furniture and related product manufacturing NAICS 337	440	$40,672	$120,375	−$90,525	$1,017
NAICS 456 Health and personal care retailers NAICS 456	425	$45,075	$136,765	−$74,135	$1,127
NAICS 444 Building material and garden equipment and supplies dealers NAICS 444	406	$32,963	$91,680	−$119,220	$824
NAICS 811 Repair and maintenance NAICS 811	334	$45,816	$139,523	−$71,377	$1,145
NAICS 813 Religious, grantmaking, civic, professional, and similar organizations NAICS 813	314	$29,216	$77,732	−$133,168	$730
NAICS 522 Credit intermediation and related activities NAICS 522	299	$56,931	$180,897	−$30,003	$1,423
NAICS 322 Paper manufacturing NAICS 322	255	$62,595	$201,980	−$8,920	$1,565
NAICS 459 Sporting goods, hobby, musical instrument, book, and miscellaneous retailers NAICS 459	255	$25,606	$64,295	−$146,605	$640
NAICS 457 Gasoline stations and fuel dealers NAICS 457	219	$28,349	$74,505	−$136,395	$709
NAICS 923 Administration of human resource programs NAICS 923	204	$59,959	$192,168	−$18,732	$1,499
NAICS 333 Machinery manufacturing NAICS 333	193	$80,122	$267,222	+$56,322	$2,003
NAICS 323 Printing and related support activities NAICS 323	188	$76,284	$252,935	+$42,035	$1,907
NAICS 221 Utilities NAICS 221	183	$80,605	$269,020	+$58,120	$2,015
NAICS 551 Management of companies and enterprises NAICS 551	160	$81,563	$272,586	+$61,686	$2,039
NAICS 721 Accommodation NAICS 721	139	$22,779	$53,772	−$157,128	$569
NAICS 331 Primary metal manufacturing NAICS 331	136	$71,959	$236,836	+$25,936	$1,799
NAICS 713 Amusement, gambling, and recreation industries NAICS 713	127	$20,706	$46,055	−$164,845	$518
NAICS 458 Clothing, clothing accessories, shoe, and jewelry retailers NAICS 458	124	$24,372	$59,701	−$151,199	$609
NAICS 812 Personal and laundry services NAICS 812	123	$33,138	$92,331	−$118,569	$828
NAICS 531 Real estate NAICS 531	121	$39,957	$117,714	−$93,186	$999
NAICS 488 Support activities for transportation NAICS 488	113	$72,742	$239,751	+$28,851	$1,819
NAICS 524 Insurance carriers and related activities NAICS 524	113	$50,078	$155,388	−$55,512	$1,252
NAICS 562 Waste management and remediation services NAICS 562	100	$60,460	$194,033	−$16,867	$1,512
NAICS 517 Telecommunications NAICS 517	98	$82,714	$276,870	+$65,970	$2,068
NAICS 449 Furniture, home furnishings, electronics, and appliance retailers NAICS 449	75	$41,418	$123,152	−$87,748	$1,035
NAICS 491 Postal service NAICS 491	72	$69,491	$227,650	+$16,750	$1,737
NAICS 513 Publishing industries NAICS 513	72	$57,124	$181,615	−$29,285	$1,428
NAICS 924 Administration of environmental quality programs NAICS 924	71	$86,193	$289,820	+$78,920	$2,155
NAICS 922 Justice, public order, and safety activities NAICS 922	60	$75,918	$251,573	+$40,673	$1,898
NAICS 485 Transit and ground passenger transportation NAICS 485	45	$31,042	$84,529	−$126,371	$776
NAICS 237 Heavy and civil engineering construction NAICS 237	43	$97,129	$330,528	+$119,628	$2,428
NAICS 925 Administration of housing programs, urban planning, and community development NAICS 925	22	$67,231	$219,237	+$8,337	$1,681
NAICS 335 Electrical equipment, appliance, and component manufacturing NAICS 335	20	$153,533	$540,482	+$329,582	$3,838
NAICS 523 Securities, commodity contracts, and other financial investments and related activities NAICS 523	18	$272,994	$985,157	+$774,257	$6,825
NAICS 999 Unclassified NAICS 999	15	$39,655	$116,590	−$94,310	$991
NAICS 926 Administration of economic programs NAICS 926	14	$77,758	$258,422	+$47,522	$1,944
NAICS 814 Private households NAICS 814	6	$15,191	$25,527	−$185,373	$380
NAICS 928 National security and international affairs NAICS 928	4	$109,923	$378,151	+$167,251	$2,748

Affordable home price assumes the industry's average earner uses 30% of gross income for housing, with a 30-year mortgage at 7%, 5% down, $2,500/yr taxes & insurance, and 0.5% PMI. Adjust the Section 3 calculator for other terms. Affordable rent is 30% of monthly gross pay.

Source: BLS QCEW Annual Averages, 2024; ACS 5-year 2024 (median home value).

Section 5

Wages by Occupation

Selected essential-worker occupations for the MSA or nonmetropolitan area containing this county — jobs, the 10-year change, wages, and the housing each typical earner can afford. Both jobs counts and wages are reported at the MSA / nonmetropolitan-area level (BLS does not publish OEWS at the county level), so every county inside the same area shows the same numbers. For county-accurate employment totals, see Section 4 above.

Occupational wages and affordable housing

Occupation	2025 jobs	2015–2025 change	% change	Hourly wage	Annual wage	Affordable home price	Affordable monthly rent
Fast Food and Counter Workers SOC 35-3023 · prior-year code differs	1,590	580	57%	$12.72	$26,460	$67,474	$662
Cashiers SOC 41-2011	1,100	(500)	(31%)	$13.25	$27,550	$71,531	$689
Childcare Workers SOC 39-9011	110	—	—	$13.25	$27,560	$71,568	$689
Waiters and Waitresses SOC 35-3031	630	0	0%	$13.87	$28,850	$76,370	$721
Janitors and Cleaners SOC 37-2011	410	(120)	(23%)	$16.38	$34,070	$95,801	$852
Retail Salespersons SOC 41-2031	1,190	(140)	(11%)	$16.81	$34,960	$99,113	$874
Home Health and Personal Care Aides SOC 31-1131 · prior-year code differs	350	(340)	(49%)	$17.72	$36,860	$106,186	$922
Tellers SOC 43-3071	100	(40)	(29%)	$18.01	$37,450	$108,382	$936
Office Clerks, General SOC 43-9061	570	(200)	(26%)	$18.67	$38,840	$113,556	$971
Firefighters SOC 33-2011	120	—	—	$19.03	$39,570	$116,273	$989
Construction Laborers SOC 47-2061	520	210	68%	$20.35	$42,320	$126,510	$1,058
Maintenance and Repair Workers, General SOC 49-9071	710	300	73%	$23.89	$49,690	$153,944	$1,242
Police and Sheriff's Patrol Officers SOC 33-3051	310	(90)	(23%)	$24.28	$50,500	$156,959	$1,263
Carpenters SOC 47-2031	130	20	18%	$25.34	$52,710	$165,185	$1,318
Plumbers, Pipefitters, and Steamfitters SOC 47-2152	70	20	40%	$25.74	$53,550	$168,312	$1,339
Electricians SOC 47-2111	180	100	125%	$29.46	$61,270	$197,048	$1,532
Heavy and Tractor-Trailer Truck Drivers SOC 53-3032	1,470	50	4%	$29.57	$61,500	$197,904	$1,538
Registered Nurses SOC 29-1141	710	—	—	$36.44	$75,800	$251,134	$1,895

Affordable home price uses the same Section 3 formula (30% housing budget, 30-year mortgage at 7%, 5% down, $2,500/yr T&I, 0.5% PMI). Affordable rent is 30% of monthly wages. Negative job-change values are shown in red parentheses. A "prior-year code differs" note flags occupations whose SOC code changed between the two vintages (2010 SOC → 2018 SOC) — the change estimate is best-effort.

Source: BLS OEWS May 2025 (10-year change vs. May 2015). Jobs counts and wages reflect the MSA or nonmetropolitan area containing this county, not the county alone — OEWS is not published at the county level.

Methodology & sources

All figures derive from the 2024 American Community Survey 5-year estimates. State and national comparisons are population-weighted aggregates of county-level estimates (an approximation; ACS publishes its own state and national medians which can differ slightly).

The affordability calculator uses a 30% housing-budget rule with a 30-year mortgage. Defaults are 7% interest, 5% down, $2,500/year taxes and insurance, and 0.5% PMI — adjustable above.

Variables: 47063 · pulled from Full Housing Data Table.xlsx.