Claiborne County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.50, -83.66.
Assembled 2026-10-06. Read the brief.
- 47th pct · 1,615th of 3,063 US counties · median $234,566
- 28th pct · 68th of 95 Tennessee counties · median $259,021
- 71st pct · 885th of 3,063 US counties · median +2.9%
- 72nd pct · 27th of 95 Tennessee counties · median +3.2%
- US counties: not published this period
- Tennessee counties: not published this period
- 51st pct · 1,572nd of 3,221 US counties · median 8,232
- 48th pct · 49th of 95 Tennessee counties · median 8,576
- 47th pct · 1,676th of 3,221 US counties · median $1,039
- 49th pct · 48th of 95 Tennessee counties · median $1,030
- 49th pct · 1,554th of 3,063 US counties · median 4.3
- 28th pct · 68th of 95 Tennessee counties · median 5.0
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 $227,937 (Aug 2026), +4.9% over one year, +21.5% over five
- 47th pct · 1,615th of 3,063 US counties · median $234,566
- 28th pct · 68th of 95 Tennessee counties · median $259,021
| Item | Value | Distance |
|---|---|---|
| Claiborne County, TN | $227,937 · +4.9% 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
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 $1,248 a month on $227,937 at 7.28%, against an average weekly wage worth $4,463 a month: 28.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $227,937 × 80% = $182,350, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,248/mo principal and interest
- wage share = payment / (avg weekly wage $1,030 × 52 / 12 = $4,463) = 28% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $227,937 / ($1,030 × 52) = 4.3
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 #
8,562 jobs at 597 employers (2026 Q1); -1.6% jobs and +13.1% average weekly wage over the year
- 51st pct · 1,572nd of 3,221 US counties · median 8,232
- 48th pct · 49th of 95 Tennessee counties · median 8,576
| Item | Value | Distance |
|---|---|---|
| Claiborne County, TN | 8,562 jobs · $1,030/wk · -1.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,179 | $996 | 3.16 | -2.1% |
| Retail trade | 961 | $566 | 1.15 | +3.9% |
| Accommodation and food services | 537 | $357 | 0.70 | -6.9% |
| Transportation and warehousing | 334 | $1,060 | 0.93 | -0.3% |
| Construction | 206 | $1,134 | 0.46 | -6.4% |
| Finance and insurance | 181 | $1,486 | 0.52 | +12.4% |
| Other services | 152 | $933 | 0.59 | -17.4% |
| Professional and technical services | 147 | $1,174 | 0.25 | -21.8% |
| Arts, entertainment and recreation | 78 | $419 | 0.55 | +8.3% |
| Real estate and rental | 52 | $901 | 0.40 | -1.9% |
| Information | 31 | $1,886 | 0.20 | +6.9% |
| Unclassified | 6 | $1,464 | 0.33 | -40.0% |
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 #
No drought class at this point (USDM covers the United States only)
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 #
$1.1 bn in deposits at 12 offices of 3 banks (SOD June 2026); HHI 4,144, highly concentrated. $245.5 m federal obligations in FY2026 (direct payments $238.7 m, grants $4.8 m), $28,675 per covered job
| Item | Value | Distance |
|---|---|---|
| Commercial Bank | $582.7 m · 53.2% share · 5 offices | |
| First Century Bank | $371.0 m · 33.9% share · 5 offices | |
| Hearthside Bank Corporation | $141.7 m · 12.9% share · 2 offices | |
| Claiborne, TN | $245.5 m FY2026 · $28,675/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Commercial Bank | $582,734,000 | 53.2% | 5 |
| First Century Bank | $371,031,000 | 33.9% | 5 |
| Hearthside Bank Corporation | $141,667,000 | 12.9% | 2 |
Deposit concentration is 4,144 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 53.2² + 33.9² + 12.9² = 4,144
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 #
That is $28,675 per covered job, against 8,562 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $245.5 m / 8,562 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $28,675
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 #
Claiborne County, TN: 4 findings, 1 at a watch level and 3 noted
watchClaiborne County, TN's covered employment is -1.6% 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 = -1.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteClaiborne County, TN's average weekly wage was 13.1% 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
- +13.1 % = 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
noteClaiborne County, TN's covered employment was 1.6% 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
- -1.6 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Claiborne County, TN is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.