Jefferson County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.05, -83.44.
Assembled 2026-10-06. Read the brief.
- 77th pct · 695th of 3,063 US counties · median $234,566
- 81st pct · 18th of 95 Tennessee counties · median $259,021
- counties in the Morristown metro: Rank context is unavailable: the manifest lists 2 counties in the Morristown metro; fewer than 5 is too few to rank.
- 40th pct · 1,819th of 3,063 US counties · median +2.9%
- 32nd pct · 64th of 95 Tennessee counties · median +3.2%
- counties in the Morristown metro: Rank context is unavailable: the manifest lists 2 counties in the Morristown metro; fewer than 5 is too few to rank.
- 65th pct · 489th of 1,399 US counties · median $1,496
- 75th pct · 12th of 46 Tennessee counties · median $1,490
- counties in the Morristown metro: Rank context is unavailable: the manifest lists 2 counties in the Morristown metro; fewer than 5 is too few to rank.
- 63rd pct · 1,187th of 3,221 US counties · median 8,232
- 67th pct · 32nd of 95 Tennessee counties · median 8,576
- counties in the Morristown metro: Rank context is unavailable: the manifest lists 2 counties in the Morristown metro; fewer than 5 is too few to rank.
- 57th pct · 1,353rd of 3,221 US counties · median $1,039
- 64th pct · 34th of 95 Tennessee counties · median $1,030
- counties in the Morristown metro: Rank context is unavailable: the manifest lists 2 counties in the Morristown metro; fewer than 5 is too few to rank.
- 79th pct · 637th of 3,063 US counties · median 4.3
- 80th pct · 19th of 95 Tennessee counties · median 5.0
- counties in the Morristown metro: Rank context is unavailable: the manifest lists 2 counties in the Morristown metro; fewer than 5 is too few to rank.
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 $338,099 (Aug 2026), +2.1% over one year, +35.9% over five
- 77th pct · 695th of 3,063 US counties · median $234,566
- 81st pct · 18th of 95 Tennessee counties · median $259,021
- counties in the Morristown metro: Rank context is unavailable: the manifest lists 2 counties in the Morristown metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Jefferson County, TN | $338,099 · +2.1% 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 #
Typical rent $1,681/mo (Aug 2026), n/a over one year; price-to-rent 16.8
- 65th pct · 489th of 1,399 US counties · median $1,496
- 75th pct · 12th of 46 Tennessee counties · median $1,490
- counties in the Morristown metro: Rank context is unavailable: the manifest lists 2 counties in the Morristown metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Jefferson County, TN | $1,681/mo · n/a 1-yr |
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 $1,851 a month on $338,099 at 7.28%, against an average weekly wage worth $4,667 a month: 39.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $338,099 × 80% = $270,479, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,851/mo principal and interest
- wage share = payment / (avg weekly wage $1,077 × 52 / 12 = $4,667) = 40% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $338,099 / ($1,077 × 52) = 6.0
- price-to-rent = $338,099 / ($1,681 × 12) = 16.8
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 #
14,083 jobs at 1,048 employers (2026 Q1); +0.9% jobs and +3.8% average weekly wage over the year
- 63rd pct · 1,187th of 3,221 US counties · median 8,232
- 67th pct · 32nd of 95 Tennessee counties · median 8,576
- counties in the Morristown metro: Rank context is unavailable: the manifest lists 2 counties in the Morristown metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Jefferson County, TN | 14,083 jobs · $1,077/wk · +0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,954 | $1,506 | 1.72 | -4.2% |
| Retail trade | 1,890 | $657 | 1.38 | +4.0% |
| Accommodation and food services | 1,253 | $426 | 0.99 | -0.3% |
| Transportation and warehousing | 1,246 | $1,397 | 2.10 | -10.9% |
| Other services | 393 | $882 | 0.93 | +3.1% |
| Administrative and waste services | 344 | $761 | 0.43 | -3.9% |
| Professional and technical services | 338 | $1,256 | 0.35 | -10.3% |
| Finance and insurance | 221 | $1,485 | 0.39 | +7.8% |
| Arts, entertainment and recreation | 109 | $326 | 0.47 | +29.8% |
| Real estate and rental | 46 | $1,067 | 0.21 | -24.6% |
| Management of companies | 14 | $1,463 | 0.06 | +27.3% |
| 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.
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 #
Surface water layer not loaded
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 #
Surface water layer not loaded
Sites found: 0, 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 #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, 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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$1.0 bn in deposits at 12 offices of 8 banks (SOD June 2026); HHI 1,809, highly concentrated. $431.1 m federal obligations in FY2026 (direct payments $414.2 m, grants $16.0 m), $30,611 per covered job
| Item | Value | Distance |
|---|---|---|
| FirstBank | $278.8 m · 26.6% share · 2 offices | |
| First Horizon Bank | $252.3 m · 24.1% share · 1 office | |
| Citizens National Bank | $148.1 m · 14.1% share · 3 offices | |
| Jefferson, TN | $431.1 m FY2026 · $30,611/job | |
| MULTIPLE RECIPIENTS | $408.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| FirstBank | $278,763,000 | 26.6% | 2 |
| First Horizon Bank | $252,338,000 | 24.1% | 1 |
| Citizens National Bank | $148,099,000 | 14.1% | 3 |
| Regions Bank | $117,688,000 | 11.2% | 1 |
| First Peoples Bank of Tennessee | $117,521,000 | 11.2% | 2 |
| U.S. Bank National Association | $65,003,000 | 6.2% | 1 |
| Truist Bank | $61,020,000 | 5.8% | 1 |
| Tennessee State Bank | $8,538,000 | 0.8% | 1 |
Deposit concentration is 1,809 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 26.6² + 24.1² + 14.1² + … (5 more) = 1,809
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 | $346,007,744 |
| Department of Veterans Affairs | $58,441,170 |
| Department of Health and Human Services | $10,892,328 |
| Department of Education | $4,490,406 |
| Department of Transportation | $4,203,217 |
| Railroad Retirement Board | $4,107,674 |
| Department of Agriculture | $1,754,322 |
| Department of Housing and Urban Development | $1,078,065 |
| Department of Homeland Security | $112,500 |
| Federal Communications Commission | $13,631 |
| Small Business Administration | $0 |
That is $30,611 per covered job, against 14,083 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $431.1 m / 14,083 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $30,611
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 | 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 | -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 #
Jefferson County, TN: 4 findings, 4 noted
noteJefferson County, TN's average weekly wage was 3.8% 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
- +3.8 % = 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
noteJefferson County, TN's covered employment was 0.9% 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
- +0.9 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Jefferson 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
noteThe next Zillow ZORI typical rent (monthly) covering Jefferson 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.