Hancock County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.52, -83.23.
Assembled 2026-10-06. Read the brief.
- 27th pct · 2,230th of 3,063 US counties · median $234,566
- 8th pct · 87th of 95 Tennessee counties · median $259,021
- 97th pct · 84th of 3,063 US counties · median +2.9%
- 98th pct · 2nd of 95 Tennessee counties · median +3.2%
- US counties: not published this period
- Tennessee counties: not published this period
- 7th pct · 2,991st of 3,221 US counties · median 8,232
- 2nd pct · 93rd of 95 Tennessee counties · median 8,576
- 2nd pct · 3,130th of 3,221 US counties · median $1,039
- 0th pct · 95th of 95 Tennessee counties · median $1,030
- 60th pct · 1,225th of 3,063 US counties · median 4.3
- 41st pct · 56th 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 $177,985 (Aug 2026), +11.1% over one year, +27.9% over five
- 27th pct · 2,230th of 3,063 US counties · median $234,566
- 8th pct · 87th of 95 Tennessee counties · median $259,021
| Item | Value | Distance |
|---|---|---|
| Hancock County, TN | $177,985 · +11.1% 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 $974 a month on $177,985 at 7.28%, against an average weekly wage worth $3,111 a month: 31.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $177,985 × 80% = $142,388, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $974/mo principal and interest
- wage share = payment / (avg weekly wage $718 × 52 / 12 = $3,111) = 31% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $177,985 / ($718 × 52) = 4.8
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 #
1,044 jobs at 107 employers (2026 Q1); +1.3% jobs and +2.4% average weekly wage over the year
- 7th pct · 2,991st of 3,221 US counties · median 8,232
- 2nd pct · 93rd of 95 Tennessee counties · median 8,576
| Item | Value | Distance |
|---|---|---|
| Hancock County, TN | 1,044 jobs · $718/wk · +1.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 165 | $956 | 1.05 | +3.1% |
| Retail trade | 127 | $470 | 1.25 | +14.4% |
| Manufacturing | 80 | $628 | 0.95 | -13.0% |
| Finance and insurance | 22 | $1,084 | 0.52 | +10.0% |
| Other services | 17 | $829 | 0.54 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Utilities | withheld | |||
| Construction | withheld | |||
| Wholesale trade | withheld | |||
| Transportation and warehousing | withheld | |||
| Information | withheld | |||
| Real estate and rental | 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.
Drought #
No drought class at this point (USDM covers the United States only)
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 #
1 USGS reservoir gauges, no capacity figures to weight
Sites found: 1, 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.
| Site | Reading | Distance |
|---|---|---|
| LAKE LOGAN AT DAM NEAR HAZELWOOD, NC | 52.9 ft (USGS, no capacity on file) | 125 km |
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 #
55 gauges · 0 flooding · 4 with quality panels averaging 94 % · 10 stale
Sites found: 55, 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 |
|---|---|---|
| CLINCH RIVER AT KYLES FORD, TN | turb. 126.0 FNU · quality 75 % (4) | 17 km |
| CLINCH RIVER ABOVE TAZEWELL, TN | flow 552.0 ft³/s · no flooding | 19 km |
| POWELL RIVER NEAR JONESVILLE, VA | flow 75.0 ft³/s · no flooding | 20 km |
| CROCKETT CREEK BELOW ROGERSVILLE, TN | flow 1.70 ft³/s · no flooding | 23 km |
| MARTINS FORK ABOVE SMITH, KY | flow 27.7 ft³/s | 23 km |
| MARTINS FORK NEAR SMITH, KY | flow 168.0 ft³/s · quality 100 % (4) | 26 km |
| CLINCH RIVER NEAR LOONEYS GAP, TN | turb. 4.60 FNU · quality 100 % (2) · out of service · STALE | 26 km |
| BIG CREEK NEAR ROGERSVILLE, TN | flow 10.6 ft³/s · no flooding | 27 km |
| Holston River at John Sevier Detention Resrvr near Rogersville | no readings | 28 km |
| Wallen Creek at Pennington Gap | no flooding | 32 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 #
3 wells in 0 named aquifers:
Sites found: 3, 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-364326083383101 | depth 31.8 ft · 1984-08-19 | 43 km |
| USGS-363749083430701 | depth 7.30 ft · 2026-10-05 | 45 km |
| USGS-364022082450201 | depth 75.5 ft · 2026-10-05 | 46 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 (0.02)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.06 / 0.55
Banks & federal dollars #
$110.1 m in deposits at 2 offices of 2 banks (SOD June 2026); HHI 5,030, highly concentrated. $39.0 m federal obligations in FY2026 (direct payments $36.6 m, grants $2.4 m), $37,316 per covered job
| Item | Value | Distance |
|---|---|---|
| First Century Bank | $59.3 m · 53.9% share · 1 office | |
| Thread Bank | $50.8 m · 46.1% share · 1 office | |
| Hancock, TN | $39.0 m FY2026 · $37,316/job | |
| MULTIPLE RECIPIENTS | $35.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Century Bank | $59,331,000 | 53.9% | 1 |
| Thread Bank | $50,751,000 | 46.1% | 1 |
Deposit concentration is 5,030 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 53.9² + 46.1² = 5,030
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 | $30,580,483 |
| Department of Veterans Affairs | $4,756,188 |
| Department of Transportation | $2,405,732 |
| Department of Agriculture | $788,772 |
| Department of Housing and Urban Development | $232,551 |
| Railroad Retirement Board | $193,833 |
That is $37,316 per covered job, against 1,044 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $39.0 m / 1,044 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $37,316
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 #
Hancock County, TN: 13 findings, 13 noted
noteHancock County, TN's average weekly wage was 2.4% 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
- +2.4 % = 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
noteHancock County, TN's covered employment was 1.3% 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
- +1.3 % = 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
noteHancock County, TN's typical home value rose 0.3% from $177,464 in July 2026 to $177,985 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (177985.47450321048 - 177463.61263123434) / 177463.61263123434 × 100
- 177985.47450321048 = Zillow ZHVI, 2026-08
- 177463.61263123434 = Zillow ZHVI, 2026-07
noteHancock County, TN's average weekly wage of $718 ranks 95th of 95 Tennessee counties, against a median of $1,030.
Period 2026 Q1.Show the arithmetic
- 0 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
noteHancock County, TN's typical home value of +11.1% ranks 2nd of 95 Tennessee counties, against a median of +3.2%.
Period 2026-08.Show the arithmetic
- 99 on the 0-to-100 scale across 95 Tennessee counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
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.