Bradley County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.15, -84.86.
Assembled 2026-10-06. Read the brief.
- 73rd pct · 819th of 3,063 US counties · median $234,566
- 75th pct · 24th of 95 Tennessee counties · median $259,021
- counties in the Cleveland metro: Rank context is unavailable: the manifest lists 2 counties in the Cleveland metro; fewer than 5 is too few to rank.
- 39th pct · 1,864th of 3,063 US counties · median +2.9%
- 29th pct · 67th of 95 Tennessee counties · median +3.2%
- counties in the Cleveland metro: Rank context is unavailable: the manifest lists 2 counties in the Cleveland metro; fewer than 5 is too few to rank.
- 42nd pct · 808th of 1,399 US counties · median $1,496
- 40th pct · 28th of 46 Tennessee counties · median $1,490
- counties in the Cleveland metro: Rank context is unavailable: the manifest lists 2 counties in the Cleveland metro; fewer than 5 is too few to rank.
- 81st pct · 606th of 3,221 US counties · median 8,232
- 84th pct · 16th of 95 Tennessee counties · median 8,576
- counties in the Cleveland metro: Rank context is unavailable: the manifest lists 2 counties in the Cleveland metro; fewer than 5 is too few to rank.
- 59th pct · 1,290th of 3,221 US counties · median $1,039
- 69th pct · 30th of 95 Tennessee counties · median $1,030
- counties in the Cleveland metro: Rank context is unavailable: the manifest lists 2 counties in the Cleveland metro; fewer than 5 is too few to rank.
- 74th pct · 790th of 3,063 US counties · median 4.3
- 70th pct · 29th of 95 Tennessee counties · median 5.0
- counties in the Cleveland metro: Rank context is unavailable: the manifest lists 2 counties in the Cleveland metro; fewer than 5 is too few to rank.
Typical home value divided by the average annual wage of one covered job.
A percentile here is a min-max scaling of average rank: the smallest published value in the cohort is 0 and the largest is 100, and tied values share the average of the ranks they span. It is not the share of entities below the value, so 0 means smallest, not none below. Entities that did not publish the metric are outside the cohort entirely and are counted in neither the rank nor its denominator.
Home values #
Typical home $318,321 (Aug 2026), +2.0% over one year, +30.6% over five
- 73rd pct · 819th of 3,063 US counties · median $234,566
- 75th pct · 24th of 95 Tennessee counties · median $259,021
- counties in the Cleveland metro: Rank context is unavailable: the manifest lists 2 counties in the Cleveland metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Bradley County, TN | $318,321 · +2.0% 1-yr |
Zillow Home Value Index (ZHVI), typical value of homes in the 35th to 65th percentile, smoothed and seasonally adjusted; a model estimate of value, not a sale price. Data through Zillow Research.
Rents #
Typical rent $1,406/mo (Aug 2026), +1.4% over one year; price-to-rent 18.9
- 42nd pct · 808th of 1,399 US counties · median $1,496
- 40th pct · 28th of 46 Tennessee counties · median $1,490
- counties in the Cleveland metro: Rank context is unavailable: the manifest lists 2 counties in the Cleveland metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Bradley County, TN | $1,406/mo · +1.4% 1-yr |
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
What the typical home costs to carry #
Principal and interest of $1,742 a month on $318,321 at 7.28%, against an average weekly wage worth $4,710 a month: 37.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $318,321 × 80% = $254,656, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,742/mo principal and interest
- wage share = payment / (avg weekly wage $1,087 × 52 / 12 = $4,710) = 37% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $318,321 / ($1,087 × 52) = 5.6
- price-to-rent = $318,321 / ($1,406 × 12) = 18.9
The wage is one covered job’s average, not a household’s income, so this is the share of a single paycheque and not a mortgage underwriting ratio.
Estimate. Principal and interest on the typical home with 20% down over 30 years at this week's Freddie Mac average rate; compared with the average weekly wage of all jobs covered by unemployment insurance in the area (BLS QCEW), which is pay per job, not household income.
Jobs & wages #
40,179 jobs at 2,409 employers (2026 Q1); -0.5% jobs and -0.1% average weekly wage over the year
- 81st pct · 606th of 3,221 US counties · median 8,232
- 84th pct · 16th of 95 Tennessee counties · median 8,576
- counties in the Cleveland metro: Rank context is unavailable: the manifest lists 2 counties in the Cleveland metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Bradley County, TN | 40,179 jobs · $1,087/wk · -0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 7,413 | $1,502 | 2.29 | -0.5% |
| Health care and social assistance | 5,413 | $1,042 | 0.90 | +0.0% |
| Retail trade | 5,027 | $747 | 1.28 | -1.4% |
| Accommodation and food services | 4,161 | $395 | 1.15 | -3.0% |
| Transportation and warehousing | 2,779 | $1,192 | 1.64 | -5.4% |
| Administrative and waste services | 1,671 | $938 | 0.73 | -2.3% |
| Educational services | 1,252 | $611 | 1.45 | +0.0% |
| Professional and technical services | 1,020 | $1,652 | 0.37 | +1.5% |
| Other services | 1,010 | $804 | 0.84 | -16.2% |
| Wholesale trade | 961 | $1,751 | 0.62 | +0.0% |
| Finance and insurance | 740 | $1,998 | 0.45 | -2.2% |
| Management of companies | 550 | $1,843 | 0.82 | +1.1% |
BLS Quarterly Census of Employment and Wages, all ownerships, total covered employment in the quarter's third month; over-the-year changes as published. Suppressed cells stay blank.
Drought #
D0 abnormally dry
Sites found: 5, searched within 0 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 0 km away are not.
US Drought Monitor current week; the highest class of any polygon containing the point.
Reservoirs #
Surface water layer not loaded
Sites found: 0, searched within 150 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 150 km away are not.
Σ(capacity × percent full) / Σ capacity over TWDB reservoirs within 150 km. Texas only; elsewhere USGS reservoir elevation/storage is listed without a capacity to normalise by.
Stream gauges #
Surface water layer not loaded
Sites found: 0, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
USGS latest readings screened against EPA freshwater criteria (DO ≥ 5 mg/L, pH 6.5–9, conductance, turbidity, temperature); NWS flood categories where a NWPS gauge is co-located.
Groundwater #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
USGS latest daily water levels. A single latest reading says where the table is, not which way it is moving; select a well for its 365-day trace.
Water stress #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$3.3 bn in deposits at 26 offices of 13 banks (SOD June 2026); HHI 1,337, moderately concentrated. $756.9 m federal obligations in FY2026 (direct payments $686.0 m, contracts $50.6 m), $18,839 per covered job
| Item | Value | Distance |
|---|---|---|
| Old National Bank | $789.8 m · 23.6% share · 1 office | |
| Pinnacle Bank | $513.2 m · 15.3% share · 1 office | |
| The Park National Bank | $379.8 m · 11.3% share · 4 offices | |
| Bradley, TN | $756.9 m FY2026 · $18,839/job | |
| MULTIPLE RECIPIENTS | $667.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Old National Bank | $789,760,000 | 23.6% | 1 |
| Pinnacle Bank | $513,246,000 | 15.3% | 1 |
| The Park National Bank | $379,801,000 | 11.3% | 4 |
| First Horizon Bank | $379,679,000 | 11.3% | 2 |
| Regions Bank | $333,561,000 | 10.0% | 4 |
| Truist Bank | $304,688,000 | 9.1% | 2 |
| Builtwell Bank | $272,713,000 | 8.1% | 5 |
| SouthEast Bank | $181,958,000 | 5.4% | 1 |
| SmartBank | $68,982,000 | 2.1% | 1 |
| United Community Bank | $65,197,000 | 1.9% | 1 |
Deposit concentration is 1,337 across 13 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 13 banks with deposits in the county = 23.6² + 15.3² + 11.3² + … (10 more) = 1,337
FDIC Summary of Deposits: deposits at every insured office as of June 30, annual; HHI is the sum of squared county deposit shares (DOJ 1995 bank merger screen: 1000 / 1800). USAspending: obligations by place of performance for the latest complete federal fiscal year (Oct 1 to Sep 30), what agencies committed, not what they paid out; recipients are legal entities. Per-job divides obligations by BLS QCEW covered employment.
Federal obligations #
USAspending place-of-performance obligations for FY2026, by awarding agency.
| Awarding agency | Obligations |
|---|---|
| Social Security Administration | $585,634,852 |
| Department of Veterans Affairs | $79,146,407 |
| Department of Agriculture | $21,546,842 |
| Department of Defense | $18,784,093 |
| Department of Education | $13,472,104 |
| Department of Transportation | $11,031,563 |
| Department of Justice | $10,769,672 |
| Department of Health and Human Services | $6,001,500 |
| Department of Housing and Urban Development | $5,579,524 |
| Railroad Retirement Board | $3,052,225 |
| Federal Communications Commission | $1,446,039 |
| Securities and Exchange Commission | $458,000 |
That is $18,839 per covered job, against 40,179 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $756.9 m / 40,179 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,839
USAspending obligations are recorded where the work is performed, so a prime award performed here is counted here even when the recipient is headquartered elsewhere. Recipients are legal entities, never people.
National context, not this county #
These are United States, single-gauge, single-state and port series. None of them is keyed to this county.
| Series | Latest | As of | Change |
|---|---|---|---|
| Mississippi River at Memphis, stage · ft | not published | not published | |
| Mississippi River at St. Louis, stage · ft | not published | not published | |
| Ohio River at Louisville, stage · ft | 12.69 | 2026-10-05 | +3.3% |
| Missouri River at St. Joseph, stage · ft | not published | not published | |
| Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s | 5,170.00 | 2026-02-05 | -25.3% |
| Texas reservoirs, statewide percent full · % | 72.60 | 2026-10-06 | +0.0% |
| Laredo truck crossings, monthly · trucks | 258,700.00 | 2026-08-01 | -0.4% |
| Los Angeles + Long Beach container volume, annual · TEU | 10,513,167.00 | 2023-01-01 | -13.5% |
| Containerships waiting for a berth, all US ports · ships | 6.00 | 2026-09-22 | -14.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 6,830.00 | 2026-08-01 | +7.4% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| Housing starts, annual rate · thousands of units | 1,275.00 | 2026-08-01 | -2.6% |
| Building permits, annual rate · thousands of units | 1,403.00 | 2026-08-01 | -2.1% |
| Case-Shiller US home price index · index, Jan 2000 = 100 | 337.31 | 2026-07-01 | +0.1% |
| Unemployment rate · % | 4.20 | 2026-09-01 | +2.4% |
| US goods and services trade balance, monthly · $ millions | -105,572.00 | 2026-08-01 | -13.7% |
| Retail sales excluding food services, monthly · $ millions | 646,347.00 | 2026-08-01 | +1.1% |
The indicator registry has no county-keyed series and no geographic selection: every entry is national, a named gauge, a single state or a port. They are here as the backdrop the county's own numbers move against, and they are never this county's readings.
What changed #
Bradley County, TN: 7 findings, 2 at a watch level and 5 noted
watchBradley County, TN's covered employment is -0.5% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026 Q1.Show the arithmetic
- test: jobs.yoy.emp = -0.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchBradley County, TN's average weekly wage is -0.1% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026 Q1.Show the arithmetic
- test: jobs.yoy.avgWeeklyWage = -0.1 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteBradley County, TN's typical asking rent rose 0.6% from $1,398 in July 2026 to $1,406 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.6% = (1406.055193236715 - 1397.7495947763182) / 1397.7495947763182 × 100
- 1406.055193236715 = Zillow ZORI, 2026-08
- 1397.7495947763182 = Zillow ZORI, 2026-07
noteBradley County, TN's covered employment was 0.5% lower than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- -0.5 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteBradley County, TN's average weekly wage was 0.1% lower than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- -0.1 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
Read all 7 findings in the full brief
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.