Giles County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.20, -87.04.
Assembled 2026-10-06. Read the brief.
- 57th pct · 1,297th of 3,063 US counties · median $234,566
- 46th pct · 51st of 95 Tennessee counties · median $259,021
- 51st pct · 1,493rd of 3,063 US counties · median +2.9%
- 44th pct · 53rd of 95 Tennessee counties · median +3.2%
- US counties: not published this period
- Tennessee counties: not published this period
- 54th pct · 1,465th of 3,221 US counties · median 8,232
- 53rd pct · 45th of 95 Tennessee counties · median 8,576
- 54th pct · 1,474th of 3,221 US counties · median $1,039
- 59th pct · 39th of 95 Tennessee counties · median $1,030
- 57th pct · 1,293rd of 3,063 US counties · median 4.3
- 32nd pct · 64th 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 $256,045 (Aug 2026), +3.0% over one year, +31.6% over five
- 57th pct · 1,297th of 3,063 US counties · median $234,566
- 46th pct · 51st of 95 Tennessee counties · median $259,021
| Item | Value | Distance |
|---|---|---|
| Giles County, TN | $256,045 · +3.0% 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 $1,402 a month on $256,045 at 7.28%, against an average weekly wage worth $4,585 a month: 30.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $256,045 × 80% = $204,836, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,402/mo principal and interest
- wage share = payment / (avg weekly wage $1,058 × 52 / 12 = $4,585) = 31% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $256,045 / ($1,058 × 52) = 4.7
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 #
9,692 jobs at 712 employers (2026 Q1); +0.1% jobs and +3.0% average weekly wage over the year
- 54th pct · 1,465th of 3,221 US counties · median 8,232
- 53rd pct · 45th of 95 Tennessee counties · median 8,576
| Item | Value | Distance |
|---|---|---|
| Giles County, TN | 9,692 jobs · $1,058/wk · +0.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,794 | $1,341 | 3.58 | -3.8% |
| Retail trade | 1,269 | $614 | 1.34 | +2.9% |
| Health care and social assistance | 974 | $1,126 | 0.67 | -1.0% |
| Accommodation and food services | 884 | $521 | 1.02 | +5.5% |
| Wholesale trade | 417 | $1,541 | 1.12 | +10.0% |
| Administrative and waste services | 384 | $690 | 0.70 | +20.0% |
| Finance and insurance | 319 | $1,562 | 0.81 | -5.6% |
| Construction | 254 | $1,192 | 0.50 | -23.3% |
| Other services | 149 | $858 | 0.51 | +10.4% |
| Information | 139 | $1,441 | 0.78 | -0.7% |
| Real estate and rental | 64 | $726 | 0.43 | -1.5% |
| Unclassified | 17 | $952 | 0.82 | +100.0% |
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 #
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 #
68 gauges · 0 flooding · 15 with quality panels averaging 100 % · 38 stale
Sites found: 68, 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 |
|---|---|---|
| RICHLAND CREEK AT HWY 64 BYPASS AT PULASKI, TN | flow 29.6 ft³/s · low threshold | 3 km |
| RICHLAND CREEK AT HWY 64 NEAR PULASKI, TN | flow 42.0 ft³/s · STALE | 6 km |
| ELK RIVER AT PROSPECT, TN | flow 402.0 ft³/s · no flooding | 21 km |
| SUGAR CREEK AT HWY 11 NEAR MINOR HILL, TN | flow 24.1 ft³/s · STALE | 25 km |
| SHOAL CREEK AT LAWRENCEBURG, TN | flow 29.0 ft³/s · STALE | 29 km |
| USGS-03599000 | flow 3.60 ft³/s · STALE | 36 km |
| USGS-03599450 | flow 4.11 ft³/s · STALE | 36 km |
| CANE CREEK NEAR HOWELL, TN | flow 0.23 ft³/s · STALE | 38 km |
| USGS-03599100 | flow 2.36 ft³/s · STALE | 41 km |
| USGS-03599102 | flow 0.03 ft³/s · STALE | 42 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 #
2 wells in 0 named aquifers:
Sites found: 2, 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-350034086422800 | depth 13.6 ft · 2026-10-05 | 37 km |
| USGS-344457086363701 | depth 62.4 ft · 2013-09-29 | 64 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 #
moderate (0.32)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.00 / 0.55
Banks & federal dollars #
$1.0 bn in deposits at 12 offices of 6 banks (SOD June 2026); HHI 3,294, highly concentrated. $218.3 m federal obligations in FY2026 (direct payments $211.3 m, grants $5.0 m), $22,527 per covered job
| Item | Value | Distance |
|---|---|---|
| First National Bank of Pulaski | $525.0 m · 50.3% share · 5 offices | |
| Bank of Frankewing | $253.3 m · 24.3% share · 2 offices | |
| Truist Bank | $79.9 m · 7.7% share · 1 office | |
| Giles, TN | $218.3 m FY2026 · $22,527/job | |
| MULTIPLE RECIPIENTS | $201.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First National Bank of Pulaski | $525,036,000 | 50.3% | 5 |
| Bank of Frankewing | $253,261,000 | 24.3% | 2 |
| Truist Bank | $79,882,000 | 7.7% | 1 |
| CB&S Bank, Inc. | $76,218,000 | 7.3% | 2 |
| The Huntington National Bank | $70,725,000 | 6.8% | 1 |
| First Farmers and Merchants Bank | $38,038,000 | 3.6% | 1 |
Deposit concentration is 3,294 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 50.3² + 24.3² + 7.7² + … (3 more) = 3,294
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 | $178,257,250 |
| Department of Veterans Affairs | $23,866,885 |
| Department of Agriculture | $5,441,853 |
| Department of Transportation | $3,434,786 |
| Department of Education | $3,253,071 |
| Department of Housing and Urban Development | $2,093,646 |
| Federal Communications Commission | $935,436 |
| Railroad Retirement Board | $707,114 |
| Department of Defense | $280,732 |
| Department of the Interior | $58,264 |
| Department of Justice | $0 |
That is $22,527 per covered job, against 9,692 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $218.3 m / 9,692 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,527
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 #
Giles County, TN: 3 findings, 3 noted
noteGiles County, TN's average weekly wage was 3.0% 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
- +3 % = 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
noteGiles County, TN's covered employment was 0.1% 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
- +0.1 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Giles 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.