Campbell County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.40, -84.16.
Assembled 2026-10-06. Read the brief.
- 53rd pct · 1,419th of 3,063 US counties · median $234,566
- 35th pct · 62nd of 95 Tennessee counties · median $259,021
- 12th pct · 8th of 9 counties in the Knoxville metro · median $302,780
- 62nd pct · 1,139th of 3,063 US counties · median +2.9%
- 61st pct · 37th of 95 Tennessee counties · median +3.2%
- 62nd pct · 4th of 9 counties in the Knoxville metro · median +3.5%
- US counties: not published this period
- Tennessee counties: not published this period
- counties in the Knoxville metro: not published this period
- 53rd pct · 1,485th of 3,221 US counties · median 8,232
- 52nd pct · 46th of 95 Tennessee counties · median 8,576
- 37th pct · 6th of 9 counties in the Knoxville metro · median 18,137
- 7th pct · 2,990th of 3,221 US counties · median $1,039
- 3rd pct · 92nd of 95 Tennessee counties · median $1,030
- 0th pct · 9th of 9 counties in the Knoxville metro · median $1,098
- 77th pct · 698th of 3,063 US counties · median 4.3
- 75th pct · 24th of 95 Tennessee counties · median 5.0
- 62nd pct · 4th of 9 counties in the Knoxville metro · median 5.5
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 $244,962 (Aug 2026), +4.1% over one year, +45.3% over five
- 53rd pct · 1,419th of 3,063 US counties · median $234,566
- 35th pct · 62nd of 95 Tennessee counties · median $259,021
- 12th pct · 8th of 9 counties in the Knoxville metro · median $302,780
| Item | Value | Distance |
|---|---|---|
| Campbell County, TN | $244,962 · +4.1% 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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Tennessee counties: not published this period
- counties in the Knoxville metro: not published this period
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 $1,341 a month on $244,962 at 7.28%, against an average weekly wage worth $3,497 a month: 38.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $244,962 × 80% = $195,970, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,341/mo principal and interest
- wage share = payment / (avg weekly wage $807 × 52 / 12 = $3,497) = 38% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $244,962 / ($807 × 52) = 5.8
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 #
9,554 jobs at 747 employers (2026 Q1); +5.1% jobs and -1.7% average weekly wage over the year
- 53rd pct · 1,485th of 3,221 US counties · median 8,232
- 52nd pct · 46th of 95 Tennessee counties · median 8,576
- 37th pct · 6th of 9 counties in the Knoxville metro · median 18,137
| Item | Value | Distance |
|---|---|---|
| Campbell County, TN | 9,554 jobs · $807/wk · +5.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,545 | $618 | 1.66 | -0.1% |
| Administrative and waste services | 1,062 | $384 | 1.96 | +126.0% |
| Manufacturing | 1,037 | $1,124 | 1.35 | -19.4% |
| Accommodation and food services | 1,017 | $368 | 1.18 | +9.2% |
| Construction | 361 | $866 | 0.72 | -9.3% |
| Finance and insurance | 224 | $1,287 | 0.58 | -4.7% |
| Other services | 175 | $645 | 0.61 | +7.4% |
| Wholesale trade | 173 | $1,667 | 0.47 | +21.0% |
| Arts, entertainment and recreation | 136 | $897 | 0.86 | +28.3% |
| Real estate and rental | 84 | $943 | 0.57 | +3.7% |
| Information | 52 | $1,511 | 0.30 | -3.7% |
| Unclassified | 3 | $481 | 0.15 | +50.0% |
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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
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 #
66 gauges · 0 flooding · 6 with quality panels averaging 97 % · 26 stale
Sites found: 66, 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.
| Site | Reading | Distance |
|---|---|---|
| CLEAR CREEK AT LILLY BRIDGE NEAR LANCING, TN | flow 15.7 ft³/s · quality 80 % (5) | 60 km |
| Clinch River above Norris Dam | no readings | 20 km |
| Clinch River below Norris Dam | no flooding | 21 km |
| CLEAR FORK AT SAXTON, KY | flow 47.8 ft³/s | 26 km |
| NEW RIVER AT CORDELL, TN | flow 264.0 ft³/s · STALE | 27 km |
| Clinch River near Clinton | no readings | 34 km |
| BULLRUN CREEK NEAR HALLS CROSSROADS, TN | flow 15.0 ft³/s · observation not current | 35 km |
| NEW RIVER AT NEW RIVER, TN | flow 55.0 ft³/s · quality 100 % (5) | 35 km |
| CUMBERLAND RIVER AT WILLIAMSBURG, KY | flow 455.0 ft³/s · no flooding | 38 km |
| BEAVER CR NR WILLOW FORK AT HALLS CROSSROADS, TN | flow 9.50 ft³/s · STALE | 41 km |
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 #
5 wells in 0 named aquifers:
Sites found: 5, 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.
| Site | Reading | Distance |
|---|---|---|
| USGS-363749083430701 | depth 7.12 ft · 2026-10-06 | 47 km |
| USGS-360543084343101 | depth 3.74 ft · 2026-10-05 | 51 km |
| USGS-365138084264101 | depth 24.1 ft · 1984-08-26 | 57 km |
| USGS-364326083383101 | depth 31.8 ft · 1984-08-19 | 58 km |
| USGS-363304084475600 | depth 100.7 ft · 2026-10-05 | 60 km |
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 (0.01)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.03 / 0.55
Banks & federal dollars #
$759.1 m in deposits at 12 offices of 8 banks (SOD June 2026); HHI 1,686, moderately concentrated. $289.4 m federal obligations in FY2026 (direct payments $275.4 m, grants $14.0 m), $30,294 per covered job
| Item | Value | Distance |
|---|---|---|
| Community Trust Bank, Inc. | $182.7 m · 24.1% share · 2 offices | |
| Peoples Bank of the South | $158.0 m · 20.8% share · 2 offices | |
| Builtwell Bank | $149.5 m · 19.7% share · 3 offices | |
| Campbell, TN | $289.4 m FY2026 · $30,294/job | |
| MULTIPLE RECIPIENTS | $268.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Community Trust Bank, Inc. | $182,659,000 | 24.1% | 2 |
| Peoples Bank of the South | $157,964,000 | 20.8% | 2 |
| Builtwell Bank | $149,479,000 | 19.7% | 3 |
| Citizens Bank | $88,429,000 | 11.6% | 1 |
| UBank | $60,789,000 | 8.0% | 1 |
| United Cumberland Bank | $46,943,000 | 6.2% | 1 |
| Hearthside Bank Corporation | $44,835,000 | 5.9% | 1 |
| The First National Bank of Oneida | $28,031,000 | 3.7% | 1 |
Deposit concentration is 1,686 across 8 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 24.1² + 20.8² + 19.7² + … (5 more) = 1,686
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 | $224,465,328 |
| Department of Veterans Affairs | $40,050,642 |
| Department of Housing and Urban Development | $10,639,621 |
| Department of Health and Human Services | $4,630,060 |
| Railroad Retirement Board | $3,779,995 |
| Department of Transportation | $2,476,910 |
| Department of Agriculture | $1,679,420 |
| Department of Education | $1,135,965 |
| Federal Communications Commission | $571,809 |
| Department of Defense | $1,914 |
| Small Business Administration | $0 |
That is $30,294 per covered job, against 9,554 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $289.4 m / 9,554 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $30,294
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 | -88,576.00 | 2026-07-01 | -24.4% |
| 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 #
Campbell County, TN: 10 findings, 1 at a watch level and 9 noted
watchCampbell County, TN's average weekly wage is -1.7% 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 = -1.7 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteCampbell County, TN's covered employment was 5.1% higher 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
- +5.1 % = 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
noteCampbell County, TN's average weekly wage was 1.7% 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
- -1.7 % = 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
noteCampbell County, TN's typical home value rose 0.3% from $244,206 in July 2026 to $244,962 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (244962.10158804432 - 244206.08150339697) / 244206.08150339697 × 100
- 244962.10158804432 = Zillow ZHVI, 2026-08
- 244206.08150339697 = Zillow ZHVI, 2026-07
noteCampbell County, TN's average weekly wage of $807 ranks 9th of 9 counties in the Knoxville metro, against a median of $1,098.
Period 2026 Q1.Show the arithmetic
- 0 on the 0-to-100 scale across 9 counties in the Knoxville metro that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
Read all 10 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.