Hickman County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.80, -87.47.
Assembled 2026-10-07. Read the brief.
- 33rd pct · 2,040th of 3,063 US counties · median $234,566
- 17th pct · 79th of 95 Tennessee counties · median $259,021
- 0th pct · 14th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median $384,552
- 71st pct · 862nd of 3,063 US counties · median +2.9%
- 74th pct · 25th of 95 Tennessee counties · median +3.2%
- 92nd pct · 2nd of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median +2.0%
- US counties: not published this period
- Tennessee counties: not published this period
- counties in the Nashville-Davidson--Murfreesboro--Franklin metro: not published this period
- 31st pct · 2,220th of 3,221 US counties · median 8,232
- 23rd pct · 73rd of 95 Tennessee counties · median 8,576
- 15th pct · 12th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median 20,943
- 50th pct · 1,587th of 3,221 US counties · median $1,039
- 55th pct · 43rd of 95 Tennessee counties · median $1,030
- 30th pct · 10th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median $1,207
- 32nd pct · 2,064th of 3,063 US counties · median 4.3
- 10th pct · 85th of 95 Tennessee counties · median 5.0
- 0th pct · 14th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median 6.2
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 $191,471 (Aug 2026), +5.0% over one year, +4.9% over five
- 33rd pct · 2,040th of 3,063 US counties · median $234,566
- 17th pct · 79th of 95 Tennessee counties · median $259,021
- 0th pct · 14th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median $384,552
| Item | Value | Distance |
|---|---|---|
| Hickman County, TN | $191,471 · +5.0% 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
- counties in the Nashville-Davidson--Murfreesboro--Franklin metro: 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 $1,048 a month on $191,471 at 7.28%, against an average weekly wage worth $4,511 a month: 23.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $191,471 × 80% = $153,177, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,048/mo principal and interest
- wage share = payment / (avg weekly wage $1,041 × 52 / 12 = $4,511) = 23% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $191,471 / ($1,041 × 52) = 3.5
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 #
3,931 jobs at 404 employers (2026 Q1); -3.7% jobs and +1.7% average weekly wage over the year
- 31st pct · 2,220th of 3,221 US counties · median 8,232
- 23rd pct · 73rd of 95 Tennessee counties · median 8,576
- 15th pct · 12th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median 20,943
| Item | Value | Distance |
|---|---|---|
| Hickman County, TN | 3,931 jobs · $1,041/wk · -3.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 454 | $1,021 | 1.44 | -6.2% |
| Health care and social assistance | 448 | $1,159 | 0.76 | +0.0% |
| Construction | 392 | $1,188 | 1.90 | -3.2% |
| Retail trade | 392 | $601 | 1.02 | +5.4% |
| Wholesale trade | 165 | $1,986 | 1.10 | +9.3% |
| Other services | 125 | $924 | 1.06 | +4.2% |
| Professional and technical services | 97 | $1,212 | 0.36 | +16.9% |
| Finance and insurance | 47 | $1,378 | 0.29 | +2.2% |
| Information | 40 | $1,564 | 0.55 | -27.3% |
| Educational services | 16 | $210 | 0.19 | +0.0% |
| Real estate and rental | 11 | $1,413 | 0.18 | +0.0% |
| Unclassified | 2 | $1,706 | 0.24 | -50.0% |
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 #
74 gauges · 0 flooding · 24 with quality panels averaging 97 % · 40 stale
Sites found: 74, 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 |
|---|---|---|
| HARPETH RIVER AT MCDANIEL, TN | flow 0.00 ft³/s · quality 80 % (5) | 69 km |
| DUCK RIVER AT HWY 100 AT CENTERVILLE, TN | flow 372.0 ft³/s · no flooding | 2 km |
| PINEY RIVER AT VERNON, TN | flow 63.6 ft³/s · no flooding | 8 km |
| DUCK RIVER NEAR SHADY GROVE, TN. | flow 240.0 ft³/s | 20 km |
| PINEY RIVER AT CEDAR HILL, TN | flow 16.0 ft³/s · STALE | 22 km |
| BUFFALO RIVER BELOW LOBELVILLE, TN | flow 311.0 ft³/s · no flooding | 28 km |
| DUCK RIVER ABOVE HURRICANE MILLS, TN | flow 518.0 ft³/s · no flooding | 29 km |
| DUCK RIVER AT CRAIG BRIDGE RD AB WILLIAMSPORT, TN | flow 220.0 ft³/s · STALE | 29 km |
| SOUTH HARPETH CREEK NEAR PEWITT CHAPEL | flow 3.00 ft³/s · quality 50 % (1) · STALE | 33 km |
| LOCKE BRANCH NEAR BENDING CHESTNUT, TN | flow 1.85 ft³/s · quality 100 % (3) · STALE | 34 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 #
5 wells in 0 named aquifers:
Sites found: 5, 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-360429087233602 | depth 28.4 ft · 1986-12-19 | 31 km |
| USGS-360553087352201 | depth 15.4 ft · 2024-08-01 | 35 km |
| USGS-360020087573300 | depth 85.7 ft · 1998-02-24 | 50 km |
| USGS-360905087070201 | depth 44.6 ft · 2026-10-05 | 50 km |
| USGS-355749086533300 | depth 31.2 ft · 1984-02-28 | 55 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 (0.17)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.03 / 0.55
Banks & federal dollars #
$296.1 m in deposits at 6 offices of 4 banks (SOD June 2026); HHI 2,859, highly concentrated. $176.7 m federal obligations in FY2026 (direct payments $146.0 m, contracts $29.9 m), $44,951 per covered job
| Item | Value | Distance |
|---|---|---|
| First Farmers and Merchants Bank | $114.9 m · 38.8% share · 2 offices | |
| Apex Bank | $77.3 m · 26.1% share · 2 offices | |
| Heritage Bank & Trust | $67.5 m · 22.8% share · 1 office | |
| Hickman, TN | $176.7 m FY2026 · $44,951/job | |
| MULTIPLE RECIPIENTS | $143.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Farmers and Merchants Bank | $114,934,000 | 38.8% | 2 |
| Apex Bank | $77,332,000 | 26.1% | 2 |
| Heritage Bank & Trust | $67,474,000 | 22.8% | 1 |
| First Federal Bank | $36,364,000 | 12.3% | 1 |
Deposit concentration is 2,859 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 = 38.8² + 26.1² + 22.8² + … (1 more) = 2,859
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 | $124,609,086 |
| Department of Defense | $29,923,877 |
| Department of Veterans Affairs | $17,883,123 |
| Department of Agriculture | $2,149,493 |
| Railroad Retirement Board | $1,016,840 |
| Department of Housing and Urban Development | $703,081 |
| Federal Communications Commission | $338,085 |
| Environmental Protection Agency | $54,614 |
| Department of Transportation | $22,526 |
| Small Business Administration | $0 |
That is $44,951 per covered job, against 3,931 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $176.7 m / 3,931 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $44,951
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 #
Hickman County, TN: 12 findings, 1 at an alert level, 1 at a watch level and 10 noted
alertHickman County, TN's covered employment is -3.7% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -3.7 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchHickman County, TN's covered employment is -3.7% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -3.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteHickman County, TN's covered employment was 3.7% lower 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
- -3.7 % = 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
noteHickman County, TN's average weekly wage 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
noteHickman County, TN's typical home value fell 0.6% from $192,553 in July 2026 to $191,471 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.6% = (191471.17433360274 - 192553.30422006352) / 192553.30422006352 × 100
- 191471.17433360274 = Zillow ZHVI, 2026-08
- 192553.30422006352 = 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.