Johnson County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.45, -81.86.
Assembled 2026-10-06. Read the brief.
- 55th pct · 1,366th of 3,063 US counties · median $234,566
- 39th pct · 58th of 95 Tennessee counties · median $259,021
- 53rd pct · 1,430th of 3,063 US counties · median +2.9%
- 50th pct · 48th of 95 Tennessee counties · median +3.2%
- US counties: not published this period
- Tennessee counties: not published this period
- 32nd pct · 2,162nd of 3,221 US counties · median 8,232
- 27th pct · 69th of 95 Tennessee counties · median 8,576
- 40th pct · 1,898th of 3,221 US counties · median $1,039
- 39th pct · 58th of 95 Tennessee counties · median $1,030
- 60th pct · 1,204th of 3,063 US counties · median 4.3
- 43rd pct · 54th 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 $249,364 (Aug 2026), +3.2% over one year, +30.2% over five
- 55th pct · 1,366th of 3,063 US counties · median $234,566
- 39th pct · 58th of 95 Tennessee counties · median $259,021
| Item | Value | Distance |
|---|---|---|
| Johnson County, TN | $249,364 · +3.2% 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 $1,365 a month on $249,364 at 7.28%, against an average weekly wage worth $4,329 a month: 31.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $249,364 × 80% = $199,491, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,365/mo principal and interest
- wage share = payment / (avg weekly wage $999 × 52 / 12 = $4,329) = 32% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $249,364 / ($999 × 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 #
4,182 jobs at 349 employers (2026 Q1); -0.1% jobs and -2.3% average weekly wage over the year
- 32nd pct · 2,162nd of 3,221 US counties · median 8,232
- 27th pct · 69th of 95 Tennessee counties · median 8,576
| Item | Value | Distance |
|---|---|---|
| Johnson County, TN | 4,182 jobs · $999/wk · -0.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 628 | $1,232 | 1.87 | +4.5% |
| Retail trade | 421 | $579 | 1.03 | +5.5% |
| Accommodation and food services | 362 | $402 | 0.96 | -1.1% |
| Construction | 225 | $946 | 1.03 | +0.4% |
| Finance and insurance | 102 | $1,195 | 0.60 | -25.0% |
| Professional and technical services | 82 | $1,753 | 0.28 | -14.6% |
| Wholesale trade | 50 | $1,913 | 0.31 | +28.2% |
| Other services | 30 | $713 | 0.24 | -28.6% |
| Information | 14 | $1,960 | 0.18 | -6.7% |
| Real estate and rental | 12 | $618 | 0.19 | -7.7% |
| Arts, entertainment and recreation | 10 | $431 | 0.15 | -23.1% |
| Unclassified | 2 | $1,133 | 0.22 | +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 #
D0 abnormally dry
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 #
$371.1 m in deposits at 5 offices of 3 banks (SOD June 2026); HHI 4,079, highly concentrated. $152.3 m federal obligations in FY2026 (direct payments $139.4 m, grants $10.0 m), $36,420 per covered job
| Item | Value | Distance |
|---|---|---|
| Farmers State Bank | $194.3 m · 52.4% share · 3 offices | |
| SKYLINE NATIONAL BANK | $125.7 m · 33.9% share · 1 office | |
| Elizabethton Federal Savings Bank | $51.0 m · 13.8% share · 1 office | |
| Johnson, TN | $152.3 m FY2026 · $36,420/job | |
| MULTIPLE RECIPIENTS | $136.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Farmers State Bank | $194,331,000 | 52.4% | 3 |
| SKYLINE NATIONAL BANK | $125,748,000 | 33.9% | 1 |
| Elizabethton Federal Savings Bank | $51,045,000 | 13.8% | 1 |
Deposit concentration is 4,079 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 52.4² + 33.9² + 13.8² = 4,079
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 | $115,147,111 |
| Department of Veterans Affairs | $21,371,103 |
| Department of Transportation | $9,956,585 |
| Department of Defense | $2,822,358 |
| Department of Agriculture | $1,421,127 |
| Department of Housing and Urban Development | $642,239 |
| Federal Communications Commission | $621,061 |
| Railroad Retirement Board | $336,597 |
| Department of Homeland Security | -$632 |
| Small Business Administration | -$8,335 |
That is $36,420 per covered job, against 4,182 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $152.3 m / 4,182 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $36,420
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 #
Johnson County, TN: 6 findings, 2 at a watch level and 4 noted
watchJohnson County, TN's average weekly wage is -2.3% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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.avgWeeklyWage = -2.3 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchJohnson County, TN's covered employment is -0.1% 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 = -0.1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteJohnson County, TN's average weekly wage was 2.3% 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
- -2.3 % = 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
noteJohnson County, TN's typical home value rose 0.3% from $248,740 in July 2026 to $249,364 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (249363.6285898654 - 248740.3426208246) / 248740.3426208246 × 100
- 249363.6285898654 = Zillow ZHVI, 2026-08
- 248740.3426208246 = Zillow ZHVI, 2026-07
noteJohnson County, TN's covered employment was 0.1% 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
- -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
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.