Lawrence County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.22, -87.40.
Assembled 2026-10-06. Read the brief.
- 54th pct · 1,383rd of 3,063 US counties · median $234,566
- 37th pct · 60th of 95 Tennessee counties · median $259,021
- 68th pct · 970th of 3,063 US counties · median +2.9%
- 69th pct · 30th of 95 Tennessee counties · median +3.2%
- 15th pct · 1,186th of 1,399 US counties · median $1,496
- 15th pct · 39th of 46 Tennessee counties · median $1,490
- 58th pct · 1,334th of 3,221 US counties · median 8,232
- 60th pct · 38th of 95 Tennessee counties · median 8,576
- 21st pct · 2,531st of 3,221 US counties · median $1,039
- 17th pct · 79th of 95 Tennessee counties · median $1,030
- 67th pct · 981st of 3,063 US counties · median 4.3
- 59th pct · 39th 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 $247,528 (Aug 2026), +4.6% over one year, +30.5% over five
- 54th pct · 1,383rd of 3,063 US counties · median $234,566
- 37th pct · 60th of 95 Tennessee counties · median $259,021
| Item | Value | Distance |
|---|---|---|
| Lawrence County, TN | $247,528 · +4.6% 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 #
Typical rent $1,104/mo (Aug 2026), n/a over one year; price-to-rent 18.7
- 15th pct · 1,186th of 1,399 US counties · median $1,496
- 15th pct · 39th of 46 Tennessee counties · median $1,490
| Item | Value | Distance |
|---|---|---|
| Lawrence County, TN | $1,104/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 $1,355 a month on $247,528 at 7.28%, against an average weekly wage worth $3,948 a month: 34.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $247,528 × 80% = $198,022, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,355/mo principal and interest
- wage share = payment / (avg weekly wage $911 × 52 / 12 = $3,948) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $247,528 / ($911 × 52) = 5.2
- price-to-rent = $247,528 / ($1,104 × 12) = 18.7
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 #
11,832 jobs at 935 employers (2026 Q1); +0.7% jobs and +2.7% average weekly wage over the year
- 58th pct · 1,334th of 3,221 US counties · median 8,232
- 60th pct · 38th of 95 Tennessee counties · median 8,576
| Item | Value | Distance |
|---|---|---|
| Lawrence County, TN | 11,832 jobs · $911/wk · +0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,030 | $1,161 | 2.13 | -5.6% |
| Retail trade | 1,619 | $656 | 1.40 | -1.0% |
| Health care and social assistance | 1,432 | $1,016 | 0.80 | -1.3% |
| Accommodation and food services | 1,241 | $352 | 1.17 | +4.3% |
| Transportation and warehousing | 685 | $871 | 1.37 | +9.4% |
| Wholesale trade | 651 | $1,185 | 1.44 | -6.2% |
| Construction | 544 | $1,103 | 0.88 | +6.7% |
| Administrative and waste services | 309 | $743 | 0.46 | +0.0% |
| Finance and insurance | 265 | $1,267 | 0.55 | -2.9% |
| Other services | 191 | $716 | 0.54 | +7.3% |
| Information | 88 | $867 | 0.40 | -2.2% |
| Real estate and rental | 82 | $813 | 0.45 | -11.8% |
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 #
D2 severe 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 #
35 gauges · 0 flooding · 2 with quality panels averaging 100 % · 19 stale
Sites found: 35, 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 |
|---|---|---|
| SHOAL CREEK AT LAWRENCEBURG, TN | flow 29.0 ft³/s · STALE | 5 km |
| RICHLAND CREEK AT HWY 64 NEAR PULASKI, TN | flow 42.0 ft³/s · STALE | 27 km |
| SHOAL CREEK AT IRON CITY, TN | flow 94.0 ft³/s | 27 km |
| SUGAR CREEK AT HWY 11 NEAR MINOR HILL, TN | flow 24.1 ft³/s · STALE | 29 km |
| RICHLAND CREEK AT HWY 64 BYPASS AT PULASKI, TN | flow 29.6 ft³/s | 30 km |
| BLUEWATER CREEK NR ANTIOCH, AL | flow 375.0 ft³/s · STALE | 34 km |
| ELK RIVER AT PROSPECT, TN | flow 412.0 ft³/s | 43 km |
| BUFFALO RIVER NEAR FLAT WOODS, TN | flow 147.0 ft³/s · quality 100 % (1) | 50 km |
| LTL BIGBY CRK AT EXPERIMENT LANE AT COLUMBIA, TN | flow 68.0 ft³/s · STALE | 52 km |
| FOUNTAIN CREEK NEAR FOUNTAIN HEIGHTS, TN | flow 4.11 ft³/s · STALE | 53 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 #
1 wells in 0 named aquifers:
Sites found: 1, 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-350034086422800 | depth 10.0 ft · 2026-10-04 | 67 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 #
moderate (0.32)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.00 / 0.55
Banks & federal dollars #
$978.5 m in deposits at 14 offices of 10 banks (SOD June 2026); HHI 1,427, moderately concentrated. $281.4 m federal obligations in FY2026 (direct payments $274.4 m, grants $6.9 m), $23,785 per covered job
| Item | Value | Distance |
|---|---|---|
| First Farmers and Merchants Bank | $277.4 m · 28.4% share · 3 offices | |
| First Horizon Bank | $123.9 m · 12.7% share · 1 office | |
| Builtwell Bank | $96.2 m · 9.8% share · 2 offices | |
| Lawrence, TN | $281.4 m FY2026 · $23,785/job | |
| MULTIPLE RECIPIENTS | $271.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Farmers and Merchants Bank | $277,431,000 | 28.4% | 3 |
| First Horizon Bank | $123,938,000 | 12.7% | 1 |
| Builtwell Bank | $96,207,000 | 9.8% | 2 |
| Old National Bank | $91,605,000 | 9.4% | 1 |
| Truist Bank | $78,856,000 | 8.1% | 1 |
| Bank of Frankewing | $76,700,000 | 7.8% | 1 |
| Lawrenceburg Federal Bank | $74,793,000 | 7.6% | 1 |
| Heritage Bank & Trust | $67,254,000 | 6.9% | 1 |
| Wayne County Bank | $56,947,000 | 5.8% | 2 |
| Peoples Bank | $34,756,000 | 3.6% | 1 |
Deposit concentration is 1,427 across 10 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 28.4² + 12.7² + 9.8² + … (7 more) = 1,427
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 | $237,277,451 |
| Department of Veterans Affairs | $32,220,389 |
| Department of Transportation | $4,017,942 |
| Department of Agriculture | $2,690,910 |
| Department of Housing and Urban Development | $1,911,980 |
| Railroad Retirement Board | $1,664,066 |
| Department of Health and Human Services | $1,050,000 |
| Department of Education | $507,047 |
| Small Business Administration | $0 |
That is $23,785 per covered job, against 11,832 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $281.4 m / 11,832 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,785
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 | 2026-10-05 | +0.1% |
| 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 #
Lawrence County, TN: 5 findings, 5 noted
noteLawrence County, TN's average weekly wage was 2.7% 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
- +2.7 % = 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
noteLawrence County, TN's typical asking rent rose 1.4% from $1,089 in July 2026 to $1,104 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +1.4% = (1104.1666666666665 - 1089.0950906838184) / 1089.0950906838184 × 100
- 1104.1666666666665 = Zillow ZORI, 2026-08
- 1089.0950906838184 = Zillow ZORI, 2026-07
noteLawrence County, TN's covered employment was 0.7% 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
- +0.7 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Lawrence 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 Lawrence 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.