Fentress County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.37, -84.94.
Assembled 2026-10-07. Read the brief.
- 55th pct · 1,361st of 3,063 US counties · median $234,566
- 40th pct · 57th of 95 Tennessee counties · median $259,021
- 52nd pct · 1,466th of 3,063 US counties · median +2.9%
- 46th pct · 51st of 95 Tennessee counties · median +3.2%
- US counties: not published this period
- Tennessee counties: not published this period
- 42nd pct · 1,856th of 3,221 US counties · median 8,232
- 39th pct · 58th of 95 Tennessee counties · median 8,576
- 9th pct · 2,901st of 3,221 US counties · median $1,039
- 6th pct · 89th of 95 Tennessee counties · median $1,030
- 75th pct · 743rd of 3,063 US counties · median 4.3
- 72nd pct · 27th 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 $249,713 (Aug 2026), +3.1% over one year, +34.7% over five
- 55th pct · 1,361st of 3,063 US counties · median $234,566
- 40th pct · 57th of 95 Tennessee counties · median $259,021
| Item | Value | Distance |
|---|---|---|
| Fentress County, TN | $249,713 · +3.1% 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 $1,367 a month on $249,713 at 7.28%, against an average weekly wage worth $3,631 a month: 37.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $249,713 × 80% = $199,770, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,367/mo principal and interest
- wage share = payment / (avg weekly wage $838 × 52 / 12 = $3,631) = 38% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $249,713 / ($838 × 52) = 5.7
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 #
6,072 jobs at 375 employers (2026 Q1); +1.0% jobs and +1.5% average weekly wage over the year
- 42nd pct · 1,856th of 3,221 US counties · median 8,232
- 39th pct · 58th of 95 Tennessee counties · median 8,576
| Item | Value | Distance |
|---|---|---|
| Fentress County, TN | 6,072 jobs · $838/wk · +1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 2,756 | $831 | 3.02 | +0.0% |
| Retail trade | 719 | $589 | 1.22 | -10.9% |
| Manufacturing | 303 | $890 | 0.62 | +11.0% |
| Wholesale trade | 214 | $950 | 0.92 | +4.9% |
| Construction | 192 | $882 | 0.60 | +29.7% |
| Finance and insurance | 176 | $1,510 | 0.71 | -1.7% |
| Professional and technical services | 77 | $943 | 0.18 | -9.4% |
| Other services | 57 | $781 | 0.31 | -8.1% |
| Information | 55 | $2,485 | 0.49 | -5.2% |
| Real estate and rental | 19 | $1,241 | 0.20 | -17.4% |
| Educational services | 6 | $1,205 | 0.05 | +0.0% |
| Agriculture, forestry, fishing | withheld |
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.
Water #
Banks & federal dollars #
$521.0 m in deposits at 7 offices of 4 banks (SOD June 2026); HHI 2,897, highly concentrated. $165.9 m federal obligations in FY2026 (direct payments $161.7 m, grants $3.6 m), $27,321 per covered job
| Item | Value | Distance |
|---|---|---|
| Union Bank | $205.9 m · 39.5% share · 2 offices | |
| Builtwell Bank | $142.6 m · 27.4% share · 2 offices | |
| One Bank of Tennessee | $108.8 m · 20.9% share · 2 offices | |
| Fentress, TN | $165.9 m FY2026 · $27,321/job | |
| MULTIPLE RECIPIENTS | $156.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Union Bank | $205,923,000 | 39.5% | 2 |
| Builtwell Bank | $142,593,000 | 27.4% | 2 |
| One Bank of Tennessee | $108,823,000 | 20.9% | 2 |
| SmartBank | $63,674,000 | 12.2% | 1 |
Deposit concentration is 2,897 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 = 39.5² + 27.4² + 20.9² + … (1 more) = 2,897
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 | $135,711,146 |
| Department of Veterans Affairs | $19,837,369 |
| Department of Agriculture | $5,023,170 |
| Department of Transportation | $3,500,596 |
| Railroad Retirement Board | $698,185 |
| Department of Defense | $543,304 |
| Federal Communications Commission | $466,908 |
| Department of Housing and Urban Development | $113,609 |
| Small Business Administration | $0 |
That is $27,321 per covered job, against 6,072 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $165.9 m / 6,072 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $27,321
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 | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| 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 #
Fentress County, TN: 6 findings, 6 noted
noteFentress County, TN's average weekly wage was 1.5% 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
- +1.5 % = 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
noteFentress County, TN's covered employment was 1.0% 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
- +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
noteFentress County, TN's average weekly wage of $838 ranks 89th of 95 Tennessee counties, against a median of $1,030.
Period 2026 Q1.Show the arithmetic
- 6 on the 0-to-100 scale across 95 Tennessee counties that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
noteFentress County, TN's average weekly wage of $838 ranks 2,901st of 3,221 US counties, against a median of $1,039.
Period 2026 Q1.Show the arithmetic
- 10 on the 0-to-100 scale across 3221 US counties that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
noteThe next Zillow ZHVI typical home value (monthly) covering Fentress 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
Read all 6 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.