Median Income
$60,625
19% lower than US avg
Home Value
$143,200
49% lower than US avg
Violent Crime
1,273/100K
235% higher than US avg
Bachelor's+
9.9%
71% lower than US avg
Median Rent
$1,119
4% lower than US avg
Obesity Rate
36.6%
14% higher than US avg
Unemployment
5.1%
42% higher than US avg
Poverty Rate
0.0%
100% lower than US avg
How Finley Compares to the U.S. Average (100% = U.S. avg)
People
Population493
Median Age32.8 yrs
Density379/mi²
Male / Female53% / 47%
Largest GroupWhite 93%
Veterans11.7%
Economy
B+
Median Income$60,625
Per Capita$27,067
Unemployment5.1%
Poverty0.0%
County GDP$2,387M
Commute30 min
Housing
A+
Home Value$143,200
Rent$1,119
Ownership52.6%
Zillow$175,320
Housing Units256
Rent Burden16.7%
Crime
F
Violent1,273/100K
Property8,091/100K
Health
Obesity36.6%
Uninsured11.6%
Smoking19.9%
Depression32.5%
Heart Disease6.2%
Climate
Avg Temp60°F (16°C)
AQI40 (Good)
Rain53.3 in/yr
Sunny Days299/yr
Elevation284 ft (87 m)
Education
D
Bachelor's+9.9%
High School+89.4%
Graduate+14.2%
School Score5.55
Community
2024 VoteR 81% / D 19%
Commute30 min
Broadband80.7%
EV Stations1
Libraries3
Is Finley a Good Place to Live?
Based on current data, Finley receives an overall livability score of 2.9 out of 5.0, earning a grade of C+. Key strengths include affordable housing, abundant sunshine, a low poverty rate. Areas to be aware of include elevated crime rates, above-average unemployment. Finley has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Finley is $60,625, 19% below the national average of $75,149. The unemployment rate of 5.1% is somewhat elevated compared to the national rate of 3.6%. Only 0.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 30 minutes.
Cost of Living & Housing
The median home value in Finley is $143,200, 49% below the national median / offering relatively affordable homeownership. Renters pay a median of $1,119 per month. At just 2.4x median income, home prices are very affordable relative to local earnings.
Safety & Crime
With 1,273 violent crimes per 100,000 residents, public safety is a notable concern / this is significantly above the national average of 380. Property crime occurs at a rate of 8,091 per 100,000, 313% above the national average.
Education
9.9% of residents hold a bachelor's degree, below the national average of 33.7%. 89.4% have completed high school. Area schools have an average test score of 5.5/10.
Climate & Weather
Finley enjoys a moderate climate with an average annual temperature of 60°F. Winters average 38°F in January while summers reach 80°F in July. With 299 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 53.3 inches. Air quality is rated Good with a median AQI of 40.
Finley has a population of 493 with a density of 379 people per square mile, spread across 1.3 square miles. The median age is 32.8 years, 16% younger than the national median of 38.9. The gender split is 46.7% female and 53.3% male. The city is predominantly White (93.3%). English is the primary language spoken at home by 96.9% of residents. 11.7% of the population are veterans, above the national rate of 6.0%. 16.3% of residents have a disability (above the 13.0% national average). 92.9% have health insurance coverage.
Population
32.8yrs
Median Age
16% below US avg
Language Spoken at Home
English Only
96.9%
23% above US avg
Spanish
3.1%
77% below US avg
The median household income in Finley is $60,625, which is 19% below the national average of $75,149. Per capita income is $27,067 (below the $39,052 national figure). The average weekly wage is $1,045, 27% lower than the U.S. average. The unemployment rate is 5.1% (above the 3.6% US average). 0.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 908 business establishments, including 75 restaurants. The cost of living index is 91.9, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 30 minutes. 3.7% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $60,625 |
| 19% below US avg |
| Per Capita Income | $27,067 |
| Avg Weekly Wage | $1,045 |
| IRS Avg AGI | $60,970 |
| Gini Index | 0.587 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 5.1% |
| 42% above US avg |
| Poverty Rate | 0.0% |
| 100% below US avg |
| Establishments (County) | 908 |
| County GDP | $2,387M |
Business (County)
| Restaurants | 75 |
| Healthcare | 101 |
| Retail | 166 |
| Manufacturing | 37 |
Tax & Cost of Living
| Property Tax (IRS) | $3,000 |
| 14% below US avg |
| Cost of Living | 91.90 (100=avg) |
| Effective Tax Rate | 2.09% |
Commute & Transportation
| Commute Time | 30.1 min |
| Drive Alone | 92.3% |
| Public Transit | 0.0% |
| Work from Home | 3.7% |
The median home value in Finley is $143,200, 49% below the national median of $281,900. Zillow estimates the typical home value at $175,320, higher than the Census estimate. Homes sell for 95.1% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $1,119 (4% below the national average of $1,163). Fair market rent ranges from $924 for a one-bedroom to $1,118 for a two-bedroom apartment. 52.6% of housing units are owner-occupied (below the 65.4% national rate). There are 256 total housing units in the city. The median year a home was built is 1978. The average annual property tax is $3,000. 16.7% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.4x, well within the affordable range.
Home Values
| Census Median | $143,200 |
| 49% below US avg |
| Zillow ZHVI | $175,320 |
| Median List Price | $99,900 |
Real Estate Market (Redfin)
| Median List Price | $99,900 |
| $/Sq Ft | $76 |
| Homes Sold | 1 |
| Sale-to-List Ratio | 95.1% |
| Price Drops | 0.0% |
| Inventory | 1 |
Rental Costs
| Census Median Rent | $1,119 |
| 4% below US avg |
| Rent Burden | 16.7% |
HUD Fair Market Rent
| Studio | $882 |
| 1 Bedroom | $924 |
| 2 Bedrooms | $1,118 |
| 3 Bedrooms | $1,445 |
| 4 Bedrooms | $1,644 |
Ownership & Property
| Homeownership | 52.6% |
| Owner-Occupied | 52.6% |
| Renter-Occupied | 47.4% |
| Housing Units | 256 |
| Median Year Built | 1978 |
Property Tax
| Avg Tax (IRS) | $3,000 |
| 14% below US avg |
| Effective Rate | 2.09% |
In Finley, 36.6% of adults are obese, above the national rate of 32.1%. 11.0% have diabetes. Heart disease affects 6.2% of residents. 35.6% have high blood pressure. 19.9% are current smokers (above the 14.0% national rate). 16.7% report binge drinking. 26.4% are physically inactive. 32.5% report depression (above the 20.0% national average). 21.6% experience frequent mental distress. 11.6% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:3,051. The dentist ratio is 1:1,916. 62.8% of residents have access to exercise opportunities. The food environment index is 6.4 out of 10.
Health Metrics: Finley vs U.S. Average (%)
Chronic Conditions
| Obesity | 36.6% |
| 14% above US avg |
| Diabetes | 11.0% |
| Heart Disease | 6.2% |
| High Blood Pressure | 35.6% |
| Asthma | 10.9% |
| COPD | 8.3% |
| Cancer | 7.5% |
| Stroke | 3.2% |
Behaviors & Mental Health
| Smoking | 19.9% |
| 42% above US avg |
| Binge Drinking | 16.7% |
| Physical Inactivity | 26.4% |
| Depression | 32.5% |
| Mental Distress | 21.6% |
| Physical Distress | 15.1% |
| Short Sleep | 39.6% |
Healthcare Access
| Insurance Rate | 92.9% |
| Uninsured | 11.6% |
| 35% above US avg |
| Primary Care | 1:3,051 |
| Dentists | 1:1,916 |
| Mental Health | 1:1,217 |
| Checkup Rate | 74.2% |
| Dental Visits | 58.3% |
| Premature Death | 14,992/100K |
Food & Exercise
| Food Environment | 6.4/10 |
| Exercise Access | 62.8% |
| Healthcare Facilities | 101 |
Finley has a violent crime rate of 1,273 per 100,000 residents, 235% above the national average of 380. Property crime stands at 8,091 per 100,000, 313% above the U.S. average. The county recorded 7 fatal traffic crashes. Overall, Finley receives a safety grade of F.
Crime Rates: Finley vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 1,272.8/100K |
| 235% above US avg |
| |
Property Crime
| Total Property | 8,090.8/100K |
| 313% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 7 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Finley enjoys a temperate climate with an average annual temperature of 60°F (16°C). Winters average 38°F in January while summers reach 80°F in July. The area gets 299 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 53.3 inches (wetter than the 38-inch national average). Air quality is rated Good with a median AQI of 40. The city sits at an elevation of 284 feet.
Temperature
38°F Jan (4°C)
80°F Jul (27°C)
| Annual Average | 60.1°F |
| 11% above US avg |
| January Average | 38°F (4°C) |
| July Average | 80°F (27°C) |
| Sunny Days | 299 days/yr |
Geography
| Elevation | 284 ft (87 m) |
| Area | 1.3 sq mi (3.4 km²) |
| Population Density | 379/sq mi |
| Coordinates | 36.0357°N, 89.4799°W |
| Timezone | America/Chicago |
| County | Dyer County County |
| Nearest Airport | Arkansas International (BYH)
26 miles away |
Precipitation & Snow
Annual Rainfall
53.3"
40% above US avg
Wettest Month (Dec)
5.16"
Air Quality
| AQI Median | 40.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| PM2.5 (Fine Particles) | 7.6 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Moderate |
| Risk Score | 86.6 / 100 |
| Social Vulnerability | 75.2 / 100 |
| Community Resilience | 58.8 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Relatively Moderate |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Very Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Moderate |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively Moderate |
| Ice Storm |
Relatively High |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Moderate |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
391 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.8. Most recent: M3.1 on Aug 1, 2025.
| Sep 26, 1990 |
4 km SE of Chaffee, Missouri |
M4.8 |
125 km |
| May 4, 1991 |
2 km NNW of Risco, Missouri |
M4.5 |
68 km |
| May 1, 2005 |
5 km SSE of Manila, Arkansas |
M4.2 |
64 km |
| Feb 10, 2005 |
3 km NNW of Etowah, Arkansas |
M4.1 |
76 km |
| Jun 6, 2003 |
1 km NE of Bardwell, Kentucky |
M4.0 |
103 km |
| Apr 30, 2003 |
1 km N of Blytheville, Arkansas |
M4.0 |
41 km |
| Jun 2, 2005 |
12 km S of Ridgely, Tennessee |
M4.0 |
13 km |
| Feb 21, 2012 |
4 km SSE of Bertrand, Missouri |
M3.9 |
93 km |
| Oct 29, 2012 |
8 km SW of Parkin, Arkansas |
M3.9 |
139 km |
| Oct 21, 1999 |
9 km NW of Maynard, Arkansas |
M3.9 |
143 km |
| Nov 29, 1996 |
1 km W of Blytheville, Arkansas |
M3.8 |
43 km |
| Sep 17, 1997 |
2 km E of Trumann, Arkansas |
M3.8 |
99 km |
| May 16, 2024 |
6 km S of Ridgely, Tennessee |
M3.8 |
19 km |
| Mar 2, 2010 |
2 km ENE of East Prairie, Missouri |
M3.7 |
84 km |
| Feb 23, 2013 |
7 km SW of Trumann, Arkansas |
M3.7 |
108 km |
| Apr 24, 2019 |
12 km NNW of Dyersburg, Tennessee |
M3.7 |
12 km |
| Jan 16, 2018 |
4 km SW of Caruthersville, Missouri |
M3.6 |
23 km |
| Oct 15, 2017 |
6 km SE of Manila, Arkansas |
M3.6 |
62 km |
| Sep 22, 2011 |
6 km E of Grandin, Missouri |
M3.6 |
143 km |
| Apr 2, 2015 |
1 km WNW of Cooter, Missouri |
M3.6 |
31 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
568 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 219 fatalities, 1,828 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Dec 10, 2021 |
EF4 |
59 km |
57 |
| Feb 5, 2008 |
EF4 |
69 km |
0 |
| May 4, 2003 |
EF4 |
70 km |
11 |
| Jan 21, 1999 |
EF4 |
100 km |
0 |
| Jan 17, 1999 |
EF4 |
74 km |
6 |
| Apr 16, 1998 |
EF4 |
66 km |
2 |
| Mar 1, 1997 |
EF4 |
70 km |
0 |
| Mar 1, 1997 |
EF4 |
29 km |
0 |
| Mar 1, 1997 |
EF4 |
20 km |
1 |
| May 7, 1971 |
EF4 |
63 km |
3 |
| Mar 21, 1952 |
EF4 |
96 km |
38 |
| Mar 21, 1952 |
EF4 |
31 km |
17 |
| Mar 21, 1952 |
EF4 |
25 km |
2 |
| Mar 21, 1952 |
EF4 |
20 km |
4 |
| May 26, 2024 |
EF3 |
88 km |
0 |
| Mar 31, 2023 |
EF3 |
71 km |
1 |
| Dec 10, 2021 |
EF3 |
22 km |
0 |
| Feb 5, 2008 |
EF3 |
75 km |
3 |
| Apr 2, 2006 |
EF3 |
42 km |
2 |
| Apr 2, 2006 |
EF3 |
41 km |
6 |
Source: NOAA SPC (EF0+, 1950–2024)
Tsunami History
1 tsunami recorded within 500 km.
| Year |
Location |
Cause |
Max Wave |
Deaths |
Distance |
| 1811 |
AR: NE - NEW MADRID EARTHQUAKES |
Eruption + Earthquake |
— |
— |
96 km |
Source: NOAA/NCEI Historical Tsunami Database. Sorted by wave height.
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
38°F (4°C) |
3.5 in |
Coldest |
| February |
40°F (5°C) |
4.1 in |
|
| March |
50°F (10°C) |
5.0 in |
|
| April |
59°F (15°C) |
4.9 in |
|
| May |
68°F (20°C) |
5.0 in |
|
| June |
76°F (25°C) |
4.2 in |
|
| July |
80°F (27°C) |
4.2 in |
Warmest |
| August |
78°F (26°C) |
3.2 in |
|
| September |
72°F (22°C) |
3.5 in |
|
| October |
60°F (16°C) |
3.2 in |
Driest |
| November |
50°F (10°C) |
4.8 in |
|
| December |
40°F (5°C) |
5.2 in |
Wettest |
Finley has a seasonal temperature swing of 42°F / from 38°F in January to 80°F in July. Total annual precipitation is 50.7 inches, with December being the wettest month (5.2") and October the driest (3.2").
Average costs for common services in Finley. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$230 ($138–$368) |
| Specialist Visit |
$322 ($184–$505) |
| Urgent Care Visit |
$184 ($92–$322) |
| Emergency Room Visit |
$2,022 ($735–$4,595) |
| Dental Cleaning |
$119 ($69–$184) |
| Dental Filling |
$230 ($138–$368) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$41 ($23–$69) |
| Oil Change (Synthetic) |
$69 ($46–$110) |
| Brake Pad Replacement |
$276 ($138–$460) |
| Tire Rotation |
$37 ($18–$69) |
| New Tires (Set of 4) |
$551 ($368–$919) |
| Battery Replacement |
$184 ($92–$322) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$92 ($55–$138) |
| Electrician (Per Hour) |
$83 ($46–$129) |
| HVAC Repair |
$368 ($138–$735) |
| HVAC System Install |
$6,433 ($3,676–$11,028) |
| Roof Repair |
$919 ($368–$1,838) |
| Roof Replacement |
$8,271 ($5,055–$13,785) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,379 ($460–$3,217) |
| Divorce (Contested) |
$13,785 ($4,595–$27,570) |
| DUI Defense |
$4,595 ($1,838–$9,190) |
| Bankruptcy (Chapter 7) |
$1,379 ($735–$2,757) |
| Will Preparation |
$460 ($184–$919) |
| Trust Preparation |
$2,298 ($919–$4,595) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$41) |
| Women's Haircut |
$51 ($28–$92) |
| Hair Coloring (Full) |
$138 ($69–$230) |
| Manicure |
$23 ($14–$41) |
| Pedicure |
$37 ($23–$60) |
| Massage (1 Hour) |
$74 ($46–$119) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.77 ($2.76–$5.05) |
| Dozen Eggs (per dozen) |
$3.22 ($2.30–$4.60) |
| Loaf of Bread |
$3.49 ($2.30–$5.05) |
| Chicken Breast (per lb) |
$4.14 ($2.76–$5.97) |
| Ground Beef (per lb) |
$5.05 ($3.68–$6.89) |
| Rice (per lb) |
$0.92 ($0.55–$1.65) |
View all 20 services
Utilities
| Electricity (Monthly) |
$129 ($74–$230) |
| Natural Gas (Monthly) |
$64 ($28–$138) |
| Water/Sewer (Monthly) |
$64 ($37–$110) |
| Internet (Monthly) |
$64 ($37–$92) |
| Cell Phone Plan (Monthly) |
$60 ($28–$92) |
| Cable TV (Monthly) |
$78 ($46–$138) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$184 ($69–$460) |
| Car Insurance (Annual) |
$1,838 ($1,103–$3,217) |
| Bus Pass (Monthly) |
$64 ($28–$119) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.35–$23) |
| Car Registration (Annual) |
$92 ($28–$230) |
| Driver's License Renewal |
$28 ($14–$69) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,103 ($551–$2,298) |
| Daycare (Toddler, Monthly) |
$919 ($460–$1,838) |
| After-School Care (Monthly) |
$368 ($184–$643) |
| Tutoring (Per Hour) |
$46 ($23–$92) |
| SAT/ACT Prep Course |
$919 ($368–$2,298) |
| Private School (K-12, Annual) |
$11,488 ($4,595–$27,570) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$55 ($28–$92) |
| Dog Vaccination (Annual) |
$92 ($46–$184) |
| Dog Grooming |
$55 ($28–$92) |
| Pet Boarding (Per Night) |
$37 ($18–$69) |
| Dog Spay/Neuter |
$276 ($138–$460) |
| Cat Spay/Neuter |
$184 ($92–$368) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $567 |
| Toddler | $476 |
| Preschool | $476 |
| Family Childcare (monthly) |
| Infant | $393 |
| Toddler | $422 |
| Preschool | $422 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Finley
What is the population of Finley?
Finley has a population of 493 residents and is located in Tennessee. The population density is 379 people per square mile, spread across 1.3 square miles. The median age of residents is 32.8 years, which is younger than the national median of 38.9 years. The population is 46.7% female and 53.3% male.
Is Finley expensive to live in?
Finley is more affordable than the national average, with a cost of living index of 91.9 / below the baseline of 100. The median household income is $60,625, 19% below the national average of $75,149. The median home value is $143,200 (49% below the U.S. median). Renters pay a median of $1,119 per month. The home price-to-income ratio is 2.4x, indicating housing is reasonably affordable relative to local income levels.
Is Finley safe?
Public safety is a concern in Finley, with a violent crime rate of 1,273 per 100,000 / significantly above the national average of 380. However, crime tends to concentrate in certain areas, and many neighborhoods remain relatively safe. Property crime occurs at a rate of 8,091 per 100,000 (above the national average). Overall, Finley receives a safety grade of F based on combined crime data.
What is the weather like in Finley?
Finley enjoys a temperate climate with an average annual temperature of 60°F (16°C). Winter temperatures average 38°F in January, while summers reach an average of 80°F in July. The area receives 299 sunny days per year, well above the national average of 205. Annual rainfall totals 53.3 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 40.
How is the job market in Finley?
The unemployment rate in Finley is 5.1%, somewhat above the national average of 3.6%. Job seekers may face moderate competition. The average weekly wage is $1,045. There are 908 business establishments in the area, including 75 restaurants and food service locations. The average commute time is 30 minutes, and 3.7% of workers work from home.
How much does housing cost in Finley?
The median home value in Finley is $143,200. Zillow estimates the typical home value at $175,320. For renters, the median monthly rent is $1,119. Fair market rent is $924 for a 1-bedroom and $1,118 for a 2-bedroom apartment. The homeownership rate is 52.6%. The average annual property tax is $3,000.
How are the schools in Finley?
Schools in Finley score 5.5 out of 10 on standardized testing, near the national average. 9.9% of adults in Finley hold a bachelor's degree or higher, below the national average of 33.7%. 89.4% have completed high school. 14.2% hold a graduate or professional degree.
How healthy is Finley?
The obesity rate in Finley is 36.6% (above the national rate of 32.1%). 19.9% of adults are smokers. 26.4% are physically inactive. 32.5% of residents report depression. 11.6% lack health insurance (above the national rate). 62.8% of residents have access to exercise opportunities. The primary care physician ratio is 1:3,051.
What is transportation like in Finley?
The average commute in Finley is 30 minutes. 92.3% of workers drive alone to work, and 3.7% work from home.
What are the demographics of Finley?
The racial and ethnic makeup of Finley is 93.3% White. 96.9% of residents speak only English at home, while 3.1% speak Spanish. 11.7% of the population are military veterans. 16.3% of residents have a disability. 92.9% have health insurance coverage.
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