Coffee County, TN

Home values #

Typical home $309,115 (Aug 2026), +2.3% over one year, +34.1% over five

• 71st pct · 878th of 3,063 US counties · median $234,566
• 71st pct · 28th of 95 Tennessee counties · median $259,021

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 $1,504/mo (Aug 2026), +2.5% over one year; price-to-rent 17.1

• 50th pct · 689th of 1,399 US counties · median $1,496
• 53rd pct · 22nd of 46 Tennessee counties · median $1,490

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 $1,692 a month on $309,115 at 7.28%, against an average weekly wage worth $5,161 a month: 32.8% of one job’s pay.

• payment = P·r / (1 − (1+r)^−n), P = $309,115 × 80% = $247,292, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,692/mo principal and interest
• wage share = payment / (avg weekly wage $1,191 × 52 / 12 = $5,161) = 33% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
• years of wages = $309,115 / ($1,191 × 52) = 5.0
• price-to-rent = $309,115 / ($1,504 × 12) = 17.1

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 #

25,680 jobs at 1,560 employers (2026 Q1); -2.1% jobs and +5.8% average weekly wage over the year

• 75th pct · 790th of 3,221 US counties · median 8,232
• 79th pct · 20th of 95 Tennessee counties · median 8,576

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 #

D2 severe drought

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 #

53 gauges · 0 flooding · 10 with quality panels averaging 98 % · 31 stale

Sites found: 53, 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 #

22 wells in 0 named aquifers:

Sites found: 22, 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 #

moderate (0.33)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.02 / 0.55

Banks & federal dollars #

$1.5 bn in deposits at 18 offices of 10 banks (SOD June 2026); HHI 1,275, moderately concentrated. $1.0 bn federal obligations in FY2026 (contracts $638.3 m, direct payments $395.7 m), $40,546 per covered job

Deposit concentration is 1,275 across 10 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.

HHI = Σ (share %)² over 10 banks with deposits in the county = 22.7² + 13.0² + 12.4² + … (7 more) = 1,275

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.

That is $40,546 per covered job, against 25,680 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $1.0 bn / 25,680 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $40,546

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.

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 #

Coffee County, TN: 7 findings, 1 at a watch level and 6 noted

1. watchCoffee County, TN's covered employment is -2.1% 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 = -2.1 < 0

   BLS QCEW over-the-year percent change, as published; not an official level

2. noteCoffee County, TN's average weekly wage was 5.8% 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

   • +5.8 % = 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

3. noteCoffee County, TN's covered employment was 2.1% 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

   • -2.1 % = 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

4. noteCoffee County, TN's typical asking rent rose 0.5% from $1,497 in July 2026 to $1,504 in August 2026, on Zillow ZORI.

   Period 2026-08.
   Show the arithmetic

   • +0.5% = (1503.8333333333333 - 1496.8504107541762) / 1496.8504107541762 × 100
   • 1503.8333333333333 = Zillow ZORI, 2026-08
   • 1496.8504107541762 = Zillow ZORI, 2026-07

5. noteCoffee County, TN's typical home value fell 0.3% from $309,927 in July 2026 to $309,115 in August 2026, on Zillow ZHVI.

   Period 2026-08.
   Show the arithmetic

   • -0.3% = (309115.42000243504 - 309926.5675920404) / 309926.5675920404 × 100
   • 309115.42000243504 = Zillow ZHVI, 2026-08
   • 309926.5675920404 = Zillow ZHVI, 2026-07

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.