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Putnam County, TN

RANK #813 / 1001 NAT  ·  #27 / 33 TN  ·  POP 82,558

1YR FORECAST: -0.6%

5YR OUTLOOK: +23%

Our model projects Putnam County's housing market at -0.6% over the next year, underperforming most U.S. counties.

[01] Why Putnam County?

Putnam County, Tennessee, is often recognized for Cookeville, its largest city and the home of Tennessee Technological University. Situated in the Upper Cumberland region, roughly halfway between Nashville and Knoxville, the county offers a blend of small-town atmosphere and access to natural scenery. Commutes within the county are generally short, with residents averaging around 21 minutes to work. The area is known for its outdoor recreation, boasting numerous waterfalls, including Cummins Falls State Park, and proximity to Center Hill Lake and Dale Hollow Lake, providing opportunities for hiking, fishing, and boating.

Life in Putnam County appeals to a mix of families, remote workers, and retirees, drawn by the area's affordability and highly-rated public schools. The economy is driven by sectors such as manufacturing, retail, and healthcare, with Tennessee Technological University also serving as a significant employer. Recent economic developments show growth in new businesses, particularly in manufacturing and retail, alongside investments in infrastructure. The county's appeal is further enhanced by its lower cost of living compared to national averages, including more affordable housing and modest property taxes.

MARKET PROFILE

Idiosyncratic Markets

Putnam County's data profile doesn't fit any single market profile cleanly — its housing, labor, and demographic signals pull in different directions (home prices +2.4% YoY, population +1.5%, wages +3.9%). About 414 U.S. counties show this kind of mixed-signal pattern.

See all 414 Idiosyncratic Markets counties →

[02] Market Snapshot

Housing Ratio
11.2x

Overvalued relative to economy

Home Prices
+2.4%

Above national median

Climate & Terrain
0.2

Moderate climate & terrain

Price/Rent
15x

Below national median (15x)

Housing looks overvalued at 11.2x — home prices are high relative to local economic output. The typical U.S. county is 4–6x.

[03] Top Employers

  1. 1
    Putnam County School System Education
    1,000+
  2. 2
    Tennessee Technological University Education
  3. 3
    Cookeville Regional Medical Center Healthcare
  4. 4
    Averitt Express, Inc. Logistics
  5. 5
    Cummins Manufacturing
  6. 6
    Aphena Pharma Solutions Manufacturing
  7. 7
    FedEx Logistics
  8. 8
    Ficosa Manufacturing
  9. 9
    Collins Manufacturing Co. Manufacturing
  10. 10
    Bennett Industries Manufacturing

Estimated local headcount ranges. Larger employers shown as floor + "+"; smaller employers show exact counts where reported.

[04] Home Value Growth vs National

Putnam County U.S. National

Bars show trailing 12-month growth. The dashed Forecast bars are the model's next-12-month projection; the whisker marks the ±1% range (cooling–accelerating).

The Numbers

DEMOGRAPHICS
Population
82,558
+1.46% YoY
Median Household Income
$58,912
Median Home Value
$282,500
+2.35% 12mo
Median Rent
$908
Average Annual Pay
$52,309
+3.9% YoY
Employment
39,861
+0.5% YoY
Income-to-Home-Value
0.2085
Near national average
Migration Inflow
3.78%
of pop. from another state
Bachelor's Degree+
29.8%
of residents (national avg: 33%)

Market Activity

REAL ESTATE
Median Sale Price
$347,900
Days on Market
75
Slower market
Months of Supply
4.6
Balanced market
Sale-to-List Ratio
97.2%
Negotiation room for buyers
Sold Above List
9.2%
Listings w/ Price Drops
25.1%
Building Permits (2025)
629
Single-Family Permits
577

Source: Redfin · Census BPS — Browse sales on Redfin →

[05] Crime & Safety

B
SAFETY
GRADE
Homicide Rate
3.1
per 100K · nat avg 6.3
Firearm Fatalities
14.9
per 100K · nat avg 14.8
Injury Deaths
101.3
per 100K · nat avg 76.3
vs National Average
Well below national avg
based on homicide rate

Source: CDC/NCHS vital statistics via County Health Rankings (2020–2022 avg). Rates per 100,000 population. Grade based on homicide rate relative to national average (~6.3). Learn more →

[06] Air Quality

B
AIR QUALITY
GRADE
Median AQI (3yr)
35.3
Good
Good Air Days
77%
815 of 1,059 days
Unhealthy+ Days (3yr)
1
Sensitive groups affected
Primary Pollutant
PM2.5
Fine particulate matter
Yearly Trend
2021
36
2022
32
2023
38
Median AQI · lower is better

Source: EPA Air Quality System (2021–2023). Grade based on 3-year average median AQI. Learn about AQI →

[07] Capital Investment

$3,120M
TOTAL
PROJECT AMOUNT STATUS
Cumberland Natural Gas Plant Conversion
Tennessee Valley Authority (TVA)
$2,100M Under Construction
Google Data Center Campus
Google
$1,000M Planned
TTI Floor Care North America Expansion
TTI Floor Care North America
$20M Under Construction

Source: public records, news, corporate announcements. Amounts are estimates where noted.

[08] Score Breakdown

Population Growth +1.5% 78 percentile
Income Growth +4.2% 81 percentile
Vacancy Rate 1.4% 24 percentile
Home Price Change +2.4% 60 percentile
Rent Growth -1.9% 3 percentile
Price/Rent 15x 51 percentile

Bars show percentile rank among all 1001 counties.

[09] Frequently Asked Questions

Is Putnam County, TN a good place to move to?

The data is not encouraging — Putnam County scores just 18/100 on the Boom Town Index, ranking #813 of 1001 counties. Job growth at +0.5% and median household income of $58,912 reflect an economy that has been contracting or stagnating relative to the rest of the country.

Is Putnam County affordable?

Putnam County leans toward the expensive side. A median home value of $282,500 against an income-to-home-value ratio of 0.21 means housing eats a bigger share of local earnings than the national norm. Renters face $908/month on average.

Is Putnam County growing or shrinking?

Putnam County's population is growing — up +1.5% YoY — while the job market is roughly flat (employment change of +0.5%). Home values shifted +2.4% over the past year. In-migration is outpacing local hiring, which often points to remote workers or retirees driving the headcount.

Are people moving to Putnam County?

There's a moderate stream of newcomers. About 3.78% of residents moved from another state, which is above average and suggests Putnam County has appeal as a relocation destination — though it's not among the highest-inflow counties nationally.

[10] Similar Counties by Size & Score

McMinn County, TN 21 Shelby County, TN 15 Bradley County, TN 24 Robertson County, TN 12 Hawkins County, TN 11 Williamson County, TN 27 Island County, WA 18 Pender County, NC 18