White Bluff, TN

Tennessee · Metropolitan Area

White Bluff is a small town in Tennessee with a population of 3,961. Residents earn $68,109 per year, which is 9% below the national average.

3.0 /5.0
B Good
3,961 Population 620/sq mi density
$68,109 Median Income $35,852 per capita
$271,500 Home Value $340,668 Zillow
$933 Median Rent
57°F Avg Temperature
211 Violent Crime/100K 1,534 property/100K
B
Overall
3.0 / 5.0
Good overall score based on economy, affordability, safety and education
A
Economy
4.2 / 5.0
$68,109 median income, 0.0% unemployment
A
Affordability
4.4 / 5.0
$271,500 home value, $933/mo rent
F
Safety
1.0 / 5.0
211 violent crimes/100K (45% below avg)
C
Education
2.2 / 5.0
15.0% bachelor's degree or higher
Median Income $68,109
9% lower than US avg
Home Value $271,500
4% lower than US avg
Violent Crime 211/100K
45% lower than US avg
Bachelor's+ 15.0%
55% lower than US avg
Median Rent $933
20% lower than US avg
Obesity Rate 37.6%
17% higher than US avg
Unemployment 0.0%
100% lower than US avg
Poverty Rate 8.0%
35% lower than US avg

How White Bluff Compares to the U.S. Average (100% = U.S. avg)

People

Population3,961
Median Age41.6 yrs
Density620/mi²
Male / Female52% / 48%
Largest GroupWhite 95%

Economy

A
Median Income$68,109
Per Capita$35,852
Unemployment0.0%
Poverty8.0%
County GDP$2,981M
Commute42 min

Housing

A
Home Value$271,500
Rent$933
OwnershipN/A
Zillow$340,668

Crime

F
Violent211/100K
Property1,534/100K
Murder0.0/100K
Assault181/100K
Burglary181/100K

Health

Obesity37.6%
UninsuredN/A
Depression31.4%
Heart Disease6.1%

Climate

Avg Temp57°F
AQI40 (Good)
Rain54.9 in/yr

Education

C
Bachelor's+15.0%
High School+81.2%
School Score5.08

Community

2024 VoteR 75% / D 23%
Commute42 min
Libraries1

Is White Bluff a Good Place to Live?

Based on current data, White Bluff receives an overall livability score of 3.0 out of 5.0, earning a grade of B. Key strengths include low unemployment, low crime rates, a low poverty rate. Areas to be aware of include long commute times. White Bluff offers a solid quality of life with a good balance of affordability, safety, and opportunity.

Economy & Jobs

The median household income in White Bluff is $68,109, roughly in line with the national average of $75,149. The job market is very strong with unemployment at just 0.0%. 8.0% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 42 minutes, longer than the typical American commute of 28 minutes.

Cost of Living & Housing

The median home value in White Bluff is $271,500, roughly aligned with the national median of $281,900. Renters pay a median of $933 per month, below the national average — a plus for affordability. A price-to-income ratio of 4x indicates a reasonably affordable housing market.

Safety & Crime

Violent crime in White Bluff is below the national average at 211 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 1,534 per 100,000, 22% below the national average.

Education

15.0% of residents hold a bachelor's degree, below the national average of 33.7%. 81.2% have completed high school. Area schools have an average test score of 5.1/10.

Climate & Weather

White Bluff enjoys a moderate climate with an average annual temperature of 57°F. Winters average 36°F in January while summers reach 76°F in July. Annual precipitation totals 54.9 inches. Air quality is rated Good with a median AQI of 40.

White Bluff has a population of 3,961 with a density of 620 people per square mile. The median age is 41.6 years, 7% older than the national median of 38.9. The city is predominantly White (94.6%), with 1.7% Hispanic, 2% Black.

Population

3,961
Total Population
620
People / sq mi
41.6yrs
Median Age
7% above US avg
6.4mi²
Land Area

Gender Distribution

Male 52.1%
Female 47.9%

Race & Ethnicity

White Bluff vs U.S. Average

Language Spoken at Home

English Only99.5%
27% above US avg
Spanish0.5%
96% below US avg

Social Characteristics

White Bluff vs U.S. Average

The median household income in White Bluff is $68,109, which is 9% below the national average of $75,149. The unemployment rate is 0.0% (below the 3.6% US average). 8.0% of residents live below the poverty line. Workers commute an average of 42 minutes.

Income: White Bluff vs U.S.

Commute Mode

Income

Median HH Income$68,109
9% below US avg
Per Capita Income$35,852
Avg Weekly Wage$995
IRS Avg AGI$70,790

Employment & Poverty

Unemployment0.0%
100% below US avg
Poverty Rate8.0%
35% below US avg
Establishments (County)1,422
County GDP$2,981M

Business (County)

Restaurants126
Healthcare118
Retail198
Manufacturing47

Tax & Cost of Living

Property Tax (IRS)$3,083
12% below US avg
Effective Tax Rate1.14%

Commute & Transportation

Commute Time41.8 min
Work from Home16.5%

Walkability

The median home value in White Bluff is $271,500, 4% below the national average. Monthly rent averages $933 (20% below US avg). Zillow estimates the typical home value at $340,668.

Home Value Sources

Ownership Split

Home Values

Census Median$271,500
4% below US avg
Zillow ZHVI$340,668
Median List Price$397,500

Real Estate Market (Redfin)

Median List Price$397,500
$/Sq Ft$237
Homes Sold6
Sale-to-List Ratio96.4%
Price Drops20.0%
Inventory20

Rental Costs

Census Median Rent$933
20% below US avg

HUD Fair Market Rent

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

Ownership & Property

Owner-Occupied67.8%

Property Tax

Avg Tax (IRS)$3,083
12% below US avg
Effective Rate1.14%
In White Bluff, 37.6% of adults are obese (above the 32.1% national rate). 31.4% report depression. 27.7% are physically inactive.

Health Metrics: White Bluff vs U.S. Average (%)

Chronic Conditions

Obesity37.6%
17% above US avg
Diabetes11.2%
Heart Disease6.1%
High Blood Pressure34.3%
Asthma11.2%
COPD8.5%
Stroke3.2%

Behaviors & Mental Health

Binge Drinking16.3%
Physical Inactivity27.7%
Depression31.4%
Mental Distress21.7%
Physical Distress15.3%

Healthcare Access

Insurance Rate85.8%
Checkup Rate74.1%
Premature Death11,706/100K

Food & Exercise

Food Environment8.1/10
Exercise Access52.5%
Healthcare Facilities118
White Bluff has a violent crime rate of 211 per 100,000 residents, 45% below the national average of 380. Property crime stands at 1,534 per 100,000 (22% below US avg). The murder rate is 0.0 per 100,000.

Crime Rates: White Bluff vs U.S. Average (per 100,000)

Violent Crime

Total Violent210.6/100K
45% below US avg
Murder0.0/100K
100% below US avg
Rape30.1/100K
Robbery0.0/100K
Assault180.5/100K

Property Crime

Total Property1,534.3/100K
22% below US avg
Burglary180.5/100K
Theft1,203.4/100K
Vehicle Theft150.4/100K
Arson30.1/100K

Traffic Safety

Fatal Crashes (County/yr)8

Safety Score

Safety GradeF
Safety Score1.0 / 5.0
White Bluff has an average annual temperature of 57°F (14°C). Winters average 36°F in January while summers reach 76°F in July. Annual precipitation is 54.9 inches. Air quality is rated Good with a median AQI of 40.

Temperature

36°F Jan (2°C) 76°F Jul (24°C)
Annual Average56.8°F
5% above US avg
January Average36°F (2°C)
July Average76°F (24°C)

Precipitation & Snow

Annual Rainfall54.9 inches
44% above US avg

Air Quality

AQI Median40.0
RatingGood

Geography

Area6.4 sq mi (16.6 km²)
Population Density620/sq mi
Coordinates36.1009°N, 87.2119°W
County FIPS47043
It is classified as Metro — 1 million+. 15.0% of residents hold a bachelor's degree or higher (55% below US avg). In the 2024 election, the county voted Republican by a 51.9-point margin.

2024 Presidential Election (County)

R 75.4%
D 23.5%

Winner: Republican by 51.9 points

Education

Bachelor's Degree+15.0%
55% below US avg
High School+81.2%
School Test Score5.08
C Education Grade (2.2/5.0)

Urban-Rural Classification

RUCC Code 1Metro — 1 million+
Population Density620/sq mi
Total Area6.4 sq mi

Infrastructure & Services

Public Libraries1
Healthcare Facilities118
Restaurants126
Retail Stores198

Safety & Disasters

Fatal Crashes (County/yr)8
F Safety Grade (1.0/5.0)

Commute & Transportation

Avg Commute41.8 min
Work from Home16.5%

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