Lauderdale County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.76, -89.63.
Assembled 2026-10-06. Read the brief.
- 12th pct · 2,674th of 3,063 US counties · median $234,566
- 1st pct · 94th of 95 Tennessee counties · median $259,021
- 99th pct · 21st of 3,063 US counties · median +2.9%
- 100th pct · 1st of 95 Tennessee counties · median +3.2%
- US counties: not published this period
- Tennessee counties: not published this period
- 42nd pct · 1,846th of 3,221 US counties · median 8,232
- 40th pct · 57th of 95 Tennessee counties · median 8,576
- 49th pct · 1,637th of 3,221 US counties · median $1,039
- 53rd pct · 45th of 95 Tennessee counties · median $1,030
- 12th pct · 2,669th of 3,063 US counties · median 4.3
- 1st pct · 94th 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 $141,988 (Aug 2026), +14.6% over one year, +20.7% over five
- 12th pct · 2,674th of 3,063 US counties · median $234,566
- 1st pct · 94th of 95 Tennessee counties · median $259,021
| Item | Value | Distance |
|---|---|---|
| Lauderdale County, TN | $141,988 · +14.6% 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 $777 a month on $141,988 at 7.28%, against an average weekly wage worth $4,485 a month: 17.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $141,988 × 80% = $113,590, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $777/mo principal and interest
- wage share = payment / (avg weekly wage $1,035 × 52 / 12 = $4,485) = 17% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $141,988 / ($1,035 × 52) = 2.6
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 #
6,130 jobs at 352 employers (2026 Q1); -3.9% jobs and +5.2% average weekly wage over the year
- 42nd pct · 1,846th of 3,221 US counties · median 8,232
- 40th pct · 57th of 95 Tennessee counties · median 8,576
| Item | Value | Distance |
|---|---|---|
| Lauderdale County, TN | 6,130 jobs · $1,035/wk · -3.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,101 | $1,256 | 2.23 | -6.5% |
| Transportation and warehousing | 688 | $1,158 | 2.66 | -0.1% |
| Health care and social assistance | 620 | $850 | 0.67 | -0.6% |
| Retail trade | 558 | $583 | 0.93 | -1.8% |
| Construction | 182 | $1,876 | 0.57 | -11.7% |
| Finance and insurance | 170 | $1,421 | 0.68 | +1.2% |
| Administrative and waste services | 72 | $482 | 0.21 | +33.3% |
| Real estate and rental | 37 | $1,828 | 0.39 | -7.5% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Wholesale trade | 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 #
D3 extreme 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 #
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 #
high (0.75)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 / 0.35
Banks & federal dollars #
$541.9 m in deposits at 11 offices of 7 banks (SOD June 2026); HHI 1,981, highly concentrated. $165.7 m federal obligations in FY2026 (direct payments $139.2 m, grants $26.4 m), $27,033 per covered job
| Item | Value | Distance |
|---|---|---|
| Security Bank and Trust Company | $174.8 m · 32.2% share · 3 offices | |
| Bank of Halls | $123.2 m · 22.7% share · 2 offices | |
| BankTennessee | $62.5 m · 11.5% share · 1 office | |
| Lauderdale, TN | $165.7 m FY2026 · $27,033/job | |
| MULTIPLE RECIPIENTS | $133.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Security Bank and Trust Company | $174,775,000 | 32.2% | 3 |
| Bank of Halls | $123,172,000 | 22.7% | 2 |
| BankTennessee | $62,481,000 | 11.5% | 1 |
| The Lauderdale County Bank | $59,875,000 | 11.0% | 2 |
| The Park National Bank | $44,650,000 | 8.2% | 1 |
| Regions Bank | $40,983,000 | 7.6% | 1 |
| Bank of Crockett | $36,005,000 | 6.6% | 1 |
Deposit concentration is 1,981 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 32.2² + 22.7² + 11.5² + … (4 more) = 1,981
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 | $118,501,578 |
| Department of Transportation | $26,224,197 |
| Department of Veterans Affairs | $13,934,660 |
| Department of Agriculture | $3,153,264 |
| Department of Housing and Urban Development | $2,338,339 |
| Delta Regional Authority | $855,600 |
| Railroad Retirement Board | $651,994 |
| Department of the Interior | $51,993 |
That is $27,033 per covered job, against 6,130 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $165.7 m / 6,130 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $27,033
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 #
Lauderdale County, TN: 12 findings, 1 at an alert level, 1 at a watch level and 10 noted
alertLauderdale County, TN's covered employment is -3.9% 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 = -3.9 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchLauderdale County, TN's covered employment is -3.9% 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 = -3.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteLauderdale County, TN's average weekly wage was 5.2% 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
- +5.2 % = 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
noteLauderdale County, TN's covered employment was 3.9% 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
- -3.9 % = 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
noteLauderdale County, TN's typical home value rose 0.4% from $141,471 in July 2026 to $141,988 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.4% = (141987.6052728289 - 141471.36329277244) / 141471.36329277244 × 100
- 141987.6052728289 = Zillow ZHVI, 2026-08
- 141471.36329277244 = 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.