Rarity Bay, Tennessee Demographics & Population 2026

A note before these figures: with a population of 757, Rarity Bay's ACS estimates come from a small number of survey responses and carry wide margins of error. Individual percentages below — particularly rates that round to 0% or 100% — are approximations, not precise measurements. See data.census.gov for the published margins of error.

Population Overview

Rarity Bay is a small community located in Tennessee, within Loudon County. The total population is 757. It ranks as the 334th most populous out of 502 Census-designated places in Tennessee.

Age Demographics

The median age in Rarity Bay is 73.8 years. This is 90% higher than the state median of 38.9 years. 45.3% of residents are 75 or older, suggesting a significant retirement-age population with implications for healthcare services and senior housing.

Economy, Income & Housing

The median household income in Rarity Bay is $84,861. This is 22% higher than the state median of $69,595. It is also 5% higher than the national median of $80,734. The poverty rate stands at 1.2%. This is 91% lower than the state poverty rate of 13.8%. This exceptionally low poverty rate indicates strong economic prosperity across the community. The survey records no unemployed residents in Rarity Bay, which reflects the size of the sample rather than a labor market without joblessness. The median home value is $706,000. Housing costs are 146% higher than the state median of $286,700. The home-value-to-income ratio of 8.3x suggests that housing affordability is a significant concern for many residents. 83.5% of occupied housing units are owner-occupied. This homeownership rate is 25% higher than the state average of 66.9%.

Race & Ethnicity

Every resident counted in Rarity Bay was recorded as White (non-Hispanic). A figure of exactly 100.0% reflects a survey sample too small to capture the community's full composition rather than a precise measurement.

Education

52.4% of residents aged 25 and older hold a bachelor's degree or higher. This places Rarity Bay in the top 10% of all cities in the state for educational attainment. This is 69% higher than the state rate of 31.1%. Nationally, 35.7% of adults hold at least a bachelor's degree. The high school graduation rate (or equivalent) is 94.5%. Notably, 21.8% of adults hold a graduate or professional degree, indicating a highly educated workforce.

Data Sources & Methodology

All demographic data for Rarity Bay, Tennessee is sourced from the U.S. Census Bureau's American Community Survey (ACS) 2020–2024 5-Year Estimates. The ACS collects data from approximately 3.5 million households annually and pools five years of responses so that even small communities can be measured, though the margin of error widens as the population falls. Comparisons are made against Tennessee state averages and national averages calculated from the same dataset. Rankings reflect the city's position among all 502 Census-designated places in Tennessee. Read more about how these figures are produced on our methodology page, or visit data.census.gov for official data.