DeKalb County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.98, -85.83.
Assembled 2026-10-06. Read the brief.
- 69th pct · 937th of 3,063 US counties · median $234,566
- 65th pct · 33rd of 95 Tennessee counties · median $259,021
- 39th pct · 1,844th of 3,063 US counties · median +2.9%
- 30th pct · 66th of 95 Tennessee counties · median +3.2%
- US counties: not published this period
- Tennessee counties: not published this period
- 38th pct · 1,984th of 3,221 US counties · median 8,232
- 32nd pct · 64th of 95 Tennessee counties · median 8,576
- 31st pct · 2,214th of 3,221 US counties · median $1,039
- 32nd pct · 64th of 95 Tennessee counties · median $1,030
- 78th pct · 645th of 3,063 US counties · median 4.3
- 79th pct · 20th 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 $299,450 (Aug 2026), +2.1% over one year, +23.7% over five
- 69th pct · 937th of 3,063 US counties · median $234,566
- 65th pct · 33rd of 95 Tennessee counties · median $259,021
| Item | Value | Distance |
|---|---|---|
| DeKalb County, TN | $299,450 · +2.1% 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
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 $1,639 a month on $299,450 at 7.28%, against an average weekly wage worth $4,147 a month: 39.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $299,450 × 80% = $239,560, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,639/mo principal and interest
- wage share = payment / (avg weekly wage $957 × 52 / 12 = $4,147) = 40% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $299,450 / ($957 × 52) = 6.0
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 #
5,262 jobs at 449 employers (2026 Q1); +1.7% jobs and +3.2% average weekly wage over the year
- 38th pct · 1,984th of 3,221 US counties · median 8,232
- 32nd pct · 64th of 95 Tennessee counties · median 8,576
| Item | Value | Distance |
|---|---|---|
| DeKalb County, TN | 5,262 jobs · $957/wk · +1.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,791 | $1,182 | 4.23 | +2.6% |
| Retail trade | 535 | $639 | 1.04 | -7.9% |
| Accommodation and food services | 411 | $398 | 0.87 | +1.0% |
| Construction | 206 | $1,025 | 0.75 | +21.9% |
| Finance and insurance | 131 | $1,479 | 0.61 | -1.5% |
| Professional and technical services | 111 | $1,103 | 0.31 | -2.6% |
| Wholesale trade | 102 | $857 | 0.51 | +0.0% |
| Information | 81 | $1,388 | 0.83 | -9.0% |
| Arts, entertainment and recreation | 70 | $792 | 0.81 | -5.4% |
| Other services | 41 | $771 | 0.26 | +13.9% |
| Real estate and rental | 25 | $581 | 0.31 | +8.7% |
| Unclassified | 3 | $313 | 0.27 | +0.0% |
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 #
D1 moderate 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 #
44 gauges · 0 flooding · 5 with quality panels averaging 100 % · 18 stale
Sites found: 44, 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 |
|---|---|---|
| SMITH FORK AT TEMPERANCE HALL, TN | flow 10.5 ft³/s | 13 km |
| TAYLOR CREEK NEAR CASSVILLE, TN | flow 4.10 ft³/s · STALE | 20 km |
| FALLING WATER RIVER BELOW BURGESS FALLS DAM, TN | flow 23.0 ft³/s · STALE | 23 km |
| CANEY FORK AT STONEWALL | flow 1,190 ft³/s | 24 km |
| CANEY FORK NEAR ROCK ISLAND, TN | flow 372.0 ft³/s · STALE | 26 km |
| FALLING WATER RIVER NEAR COOKEVILLE, TN | flow 18.8 ft³/s | 30 km |
| CUMBERLAND RIVER AT CARTHAGE, TN | flow 1,810 ft³/s · no flooding · STALE | 32 km |
| COLLINS RIVER NEAR MCMINNVILLE, TN | flow 81.8 ft³/s | 32 km |
| CALFKILLER RIVER AT HWY 70 AT SPARTA, TN | flow 25.7 ft³/s | 34 km |
| CUMBERLAND RIVER BELOW CORDELL HULL DAM, TN | stage 443.5 ft · quality 100 % (4) | 35 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 #
21 wells in 0 named aquifers:
Sites found: 21, 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-360521085432600 | depth 52.3 ft · 2026-10-05 | 15 km |
| USGS-352515086011702 | depth 29.5 ft · 2026-10-05 | 65 km |
| USGS-352509086051103 | depth 21.4 ft · 2025-10-14 | 67 km |
| USGS-352509086051101 | depth 27.2 ft · 2025-10-14 | 67 km |
| USGS-352509086051102 | depth 44.4 ft · 2025-10-14 | 67 km |
| USGS-352420086024101 | depth 26.1 ft · 2025-10-14 | 67 km |
| USGS-352441086044501 | depth 28.3 ft · 2025-12-08 | 67 km |
| USGS-352333086012801 | depth 36.5 ft · 2025-10-14 | 68 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 (0.16)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.00 / 0.55
Banks & federal dollars #
$704.5 m in deposits at 6 offices of 4 banks (SOD June 2026); HHI 2,889, highly concentrated. $141.3 m federal obligations in FY2026 (direct payments $127.6 m, contracts $6.9 m), $26,847 per covered job
| Item | Value | Distance |
|---|---|---|
| Wilson Bank and Trust | $277.7 m · 39.4% share · 2 offices | |
| Wellworth Bank | $180.0 m · 25.6% share · 2 offices | |
| FirstBank | $164.7 m · 23.4% share · 1 office | |
| DeKalb, TN | $141.3 m FY2026 · $26,847/job | |
| MULTIPLE RECIPIENTS | $126.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wilson Bank and Trust | $277,694,000 | 39.4% | 2 |
| Wellworth Bank | $180,013,000 | 25.6% | 2 |
| FirstBank | $164,707,000 | 23.4% | 1 |
| Regions Bank | $82,126,000 | 11.7% | 1 |
Deposit concentration is 2,889 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 39.4² + 25.6² + 23.4² + … (1 more) = 2,889
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 | $111,474,452 |
| Department of Veterans Affairs | $14,562,848 |
| Department of Defense | $6,885,366 |
| Department of Transportation | $5,508,593 |
| Department of Housing and Urban Development | $1,230,074 |
| Department of Agriculture | $1,226,789 |
| Railroad Retirement Board | $171,840 |
| Department of Education | $164,283 |
| Department of the Interior | $42,800 |
| Federal Communications Commission | $1,576 |
That is $26,847 per covered job, against 5,262 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $141.3 m / 5,262 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $26,847
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 #
DeKalb County, TN: 3 findings, 3 noted
noteDeKalb County, TN's average weekly wage was 3.2% 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
- +3.2 % = 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
noteDeKalb County, TN's covered employment was 1.7% 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
- +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
noteThe next Zillow ZHVI typical home value (monthly) covering DeKalb 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.