Finley, TN

Tennessee

Finley is a small town in Tennessee with a population of 493. Residents earn $60,625 per year, which is 19% below the national average.

3.5 /5.0
B+ Good
493 Population 379/sq mi density
$60,625 Median Income $27,067 per capita
$143,200 Home Value $175,320 Zillow
$1,119 Median Rent 16.7% income on rent
60°F Avg Temperature 299 sunny days/yr
B+
Overall
3.5 / 5.0
Good overall score based on economy, affordability, safety and education
B+
Economy
3.7 / 5.0
$60,625 median income, 5.1% unemployment
A+
Affordability
5.0 / 5.0
$143,200 home value, $1,119/mo rent
D
Education
1.8 / 5.0
9.9% bachelor's degree or higher
Median Income $60,625
19% lower than US avg
Home Value $143,200
49% lower 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 6.3%
49% 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%
Poverty6.3%
County GDP$2,387M
Commute30 min

Housing

A+
Home Value$143,200
Rent$1,119
OwnershipN/A
Zillow$175,320
Housing Units256
Rent Burden16.7%

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 Score5.08

Community

2024 VoteR 81% / D 19%
Commute30 min
Broadband80.7%
Libraries3

Is Finley a Good Place to Live?

Based on current data, Finley receives an overall livability score of 3.5 out of 5.0, earning a grade of B+. Key strengths include affordable housing, abundant sunshine, a low poverty rate. Areas to be aware of include above-average unemployment. Finley offers a solid quality of life with a good balance of affordability, safety, and opportunity.

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 6.3% 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.

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 5.1/10.

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. The median age is 32.8 years, 16% younger than the national median of 38.9. The city is predominantly White (93.3%).

Population

493
Total Population
379
People / sq mi
32.8yrs
Median Age
16% below US avg
1.3mi²
Land Area

Gender Distribution

Male 53.3%
Female 46.7%

Race & Ethnicity

Finley vs U.S. Average

Language Spoken at Home

English Only96.9%
23% above US avg
Spanish3.1%
77% below US avg

Social Characteristics

Finley vs U.S. Average

The median household income in Finley is $60,625, which is 19% below the national average of $75,149. The unemployment rate is 5.1% (above the 3.6% US average). 6.3% of residents live below the poverty line. Workers commute an average of 30 minutes.

Income: Finley vs U.S.

Commute Mode

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

Employment & Poverty

Unemployment5.1%
42% above US avg
Poverty Rate6.3%
49% below US avg
Establishments (County)908
County GDP$2,387M

Business (County)

Restaurants75
Healthcare101
Retail166
Manufacturing37

Tax & Cost of Living

Property Tax (IRS)$3,000
14% below US avg
Effective Tax Rate2.09%

Commute & Transportation

Commute Time30.1 min
Drive Alone92.3%
Public Transit0.0%
Work from Home3.7%

Walkability

The median home value in Finley is $143,200, 49% below the national average. Monthly rent averages $1,119 (4% below US avg). Zillow estimates the typical home value at $175,320.

Home Value Sources

Ownership Split

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 Sold1
Sale-to-List Ratio95.1%
Price Drops0.0%
Inventory1

Rental Costs

Census Median Rent$1,119
4% below US avg
Rent Burden16.7%

HUD Fair Market Rent

Studio$882
1 Bedroom$924
2 Bedrooms$1,118
3 Bedrooms$1,445
4 Bedrooms$1,644

Ownership & Property

Owner-Occupied52.6%
Housing Units256
Median Year Built1978

Property Tax

Avg Tax (IRS)$3,000
14% below US avg
Effective Rate2.09%
In Finley, 36.6% of adults are obese (above the 32.1% national rate). 11.6% of residents lack health insurance. 19.9% are current smokers. 32.5% report depression. 26.4% are physically inactive.

Health Metrics: Finley vs U.S. Average (%)

Chronic Conditions

Obesity36.6%
14% above US avg
Diabetes11.0%
Heart Disease6.2%
High Blood Pressure35.6%
Asthma10.9%
COPD8.3%
Cancer7.5%
Stroke3.2%

Behaviors & Mental Health

Smoking19.9%
42% above US avg
Binge Drinking16.7%
Physical Inactivity26.4%
Depression32.5%
Mental Distress21.6%
Physical Distress15.1%
Short Sleep39.6%

Healthcare Access

Insurance Rate92.9%
Uninsured11.6%
35% above US avg
Checkup Rate74.2%
Dental Visits58.3%
Premature Death14,992/100K

Food & Exercise

Food Environment6.4/10
Exercise Access62.8%
Healthcare Facilities101
Finley has an average annual temperature of 60°F (16°C). Winters average 38°F in January while summers reach 80°F in July. Annual precipitation is 53.3 inches. The area enjoys 299 sunny days per year. Air quality is rated Good with a median AQI of 40.

Temperature

38°F Jan (4°C) 80°F Jul (27°C)
Annual Average60.1°F
11% above US avg
January Average38°F (4°C)
July Average80°F (27°C)
Sunny Days299 days/yr

Precipitation & Snow

Annual Rainfall53.3 inches
40% above US avg

Air Quality

AQI Median40.0
RatingGood

Geography

Elevation284 ft (87 m)
Area1.3 sq mi (3.4 km²)
Population Density379/sq mi
Coordinates36.0357°N, 89.4799°W
TimezoneAmerica/Chicago
County FIPS47045
It is classified as Nonmetro — Urban 2.5K–20K, adjacent. 9.9% of residents hold a bachelor's degree or higher (71% below US avg). In the 2024 election, the county voted Republican by a 61.8-point margin. 80.7% of households have broadband internet.

2024 Presidential Election (County)

R 80.6%
D 18.8%

Winner: Republican by 61.8 points

Education

Bachelor's Degree+9.9%
71% below US avg
High School+89.4%
Graduate Degree+14.2%
School Test Score5.08
D Education Grade (1.8/5.0)

Urban-Rural Classification

RUCC Code 6Nonmetro — Urban 2.5K–20K, adjacent
Population Density379/sq mi
Total Area1.3 sq mi

Infrastructure & Services

Broadband Access80.7%
Public Libraries3
Healthcare Facilities101
Restaurants75
Retail Stores166

Safety & Disasters

Fatal Crashes (County/yr)7

Commute & Transportation

Avg Commute30.1 min
Drive Alone92.3%
Public Transit0.0%
Work from Home3.7%

Nearby Cities

Dyersburg, TN 16,075 pop · 5.7 mi Newbern, TN 3,313 pop · 12.9 mi Caruthersville, MO 5,426 pop · 14.6 mi Ridgely, TN 1,723 pop · 15.7 mi Steele, MO 1,449 pop · 19.8 mi Ripley, TN 7,718 pop · 20.2 mi Hayti, MO 2,145 pop · 20.3 mi Obion, TN 1,088 pop · 22.5 mi Tiptonville, TN 3,687 pop · 23.5 mi Blytheville, AR 13,026 pop · 24.8 mi Henning, TN 1,259 pop · 24.8 mi Alamo, TN 2,565 pop · 26.8 mi Dyer, TN 2,334 pop · 27.3 mi Troy, TN 1,915 pop · 27.7 mi
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