Dyer County, TN

Home values #

Typical home $174,858 (Aug 2026), +2.5% over one year, +14.7% over five

• 25th pct · 2,279th of 3,063 US counties · median $234,566
• 6th pct · 89th 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 $1,000/mo (Aug 2026), +19.5% over one year; price-to-rent 14.6

• 8th pct · 1,285th of 1,399 US counties · median $1,496
• 4th pct · 44th 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 $957 a month on $174,858 at 7.28%, against an average weekly wage worth $5,053 a month: 18.9% of one job’s pay.

• payment = P·r / (1 − (1+r)^−n), P = $174,858 × 80% = $139,887, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $957/mo principal and interest
• wage share = payment / (avg weekly wage $1,166 × 52 / 12 = $5,053) = 19% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
• years of wages = $174,858 / ($1,166 × 52) = 2.9
• price-to-rent = $174,858 / ($1,000 × 12) = 14.6

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 #

16,889 jobs at 867 employers (2026 Q1); +1.9% jobs and +5.0% average weekly wage over the year

• 67th pct · 1,048th of 3,221 US counties · median 8,232
• 71st pct · 28th 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 #

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 #

43 gauges · 0 flooding · 0 with quality panels · 12 stale

Sites found: 43, 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 #

10 wells in 0 named aquifers:

Sites found: 10, 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 (0.25)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35

Banks & federal dollars #

$1.0 bn in deposits at 14 offices of 5 banks (SOD June 2026); HHI 4,136, highly concentrated. $246.0 m federal obligations in FY2026 (direct payments $233.3 m, grants $11.7 m), $14,568 per covered job

Deposit concentration is 4,136 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.

HHI = Σ (share %)² over 5 banks with deposits in the county = 60.0² + 16.3² + 14.9² + … (2 more) = 4,136

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 $14,568 per covered job, against 16,889 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $246.0 m / 16,889 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,568

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 #

Dyer County, TN: 13 findings, 2 at a watch level and 11 noted

1. watchDyer County, TN's typical asking rent is +19.5% against a year earlier, a watch level here: typical asking rent at least 8 percent above a year ago (arithmetic on Zillow ZORI; 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 2026-08.
   Show the arithmetic

   • test: rent.yoyPct = 19.52661224948684 >= 8

   arithmetic on Zillow ZORI; convention chosen for this dashboard, not an official level

2. watchDyer County, TN's typical asking rent rose 5.4% from $949 in July 2026 to $1,000 in August 2026, on Zillow ZORI.

   Period 2026-08.
   Show the arithmetic

   • +5.4% = (1000 - 948.8659550858309) / 948.8659550858309 × 100
   • 1000 = Zillow ZORI, 2026-08
   • 948.8659550858309 = Zillow ZORI, 2026-07

3. noteDyer County, TN's average weekly wage was 5.0% 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 % = 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. noteDyer County, TN's covered employment was 1.9% 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

   • +1.9 % = 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

5. noteDyer County, TN's typical home value rose 0.4% from $174,184 in July 2026 to $174,858 in August 2026, on Zillow ZHVI.

   Period 2026-08.
   Show the arithmetic

   • +0.4% = (174858.2090603035 - 174184.25642965347) / 174184.25642965347 × 100
   • 174858.2090603035 = Zillow ZHVI, 2026-08
   • 174184.25642965347 = Zillow ZHVI, 2026-07

Read all 12 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.