Loudon County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.74, -84.31.
Assembled 2026-10-06. Read the brief.
- 90th pct · 289th of 3,063 US counties · median $234,566
- 97th pct · 3rd of 95 Tennessee counties · median $259,021
- 100th pct · 1st of 9 counties in the Knoxville metro · median $302,780
- 31st pct · 2,109th of 3,063 US counties · median +2.9%
- 19th pct · 77th of 95 Tennessee counties · median +3.2%
- 0th pct · 9th of 9 counties in the Knoxville metro · median +3.5%
- 72nd pct · 387th of 1,399 US counties · median $1,496
- 84th pct · 8th of 46 Tennessee counties · median $1,490
- 75th pct · 2nd of 5 counties in the Knoxville metro · median $1,738
- 69th pct · 997th of 3,221 US counties · median 8,232
- 73rd pct · 26th of 95 Tennessee counties · median 8,576
- 50th pct · 5th of 9 counties in the Knoxville metro · median 18,137
- 58th pct · 1,341st of 3,221 US counties · median $1,039
- 67th pct · 32nd of 95 Tennessee counties · median $1,030
- 37th pct · 6th of 9 counties in the Knoxville metro · median $1,098
- 92nd pct · 217th of 3,063 US counties · median 4.3
- 97th pct · 3rd of 95 Tennessee counties · median 5.0
- 100th pct · 1st of 9 counties in the Knoxville metro · median 5.5
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 $450,481 (Aug 2026), +1.2% over one year, +33.4% over five
- 90th pct · 289th of 3,063 US counties · median $234,566
- 97th pct · 3rd of 95 Tennessee counties · median $259,021
- 100th pct · 1st of 9 counties in the Knoxville metro · median $302,780
| Item | Value | Distance |
|---|---|---|
| Loudon County, TN | $450,481 · +1.2% 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 #
Typical rent $1,779/mo (Aug 2026), +5.0% over one year; price-to-rent 21.1
- 72nd pct · 387th of 1,399 US counties · median $1,496
- 84th pct · 8th of 46 Tennessee counties · median $1,490
- 75th pct · 2nd of 5 counties in the Knoxville metro · median $1,738
| Item | Value | Distance |
|---|---|---|
| Loudon County, TN | $1,779/mo · +5.0% 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 $2,466 a month on $450,481 at 7.28%, against an average weekly wage worth $4,676 a month: 52.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $450,481 × 80% = $360,384, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,466/mo principal and interest
- wage share = payment / (avg weekly wage $1,079 × 52 / 12 = $4,676) = 53% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $450,481 / ($1,079 × 52) = 8.0
- price-to-rent = $450,481 / ($1,779 × 12) = 21.1
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 #
18,137 jobs at 1,464 employers (2026 Q1); +2.8% jobs and +1.2% average weekly wage over the year
- 69th pct · 997th of 3,221 US counties · median 8,232
- 73rd pct · 26th of 95 Tennessee counties · median 8,576
- 50th pct · 5th of 9 counties in the Knoxville metro · median 18,137
| Item | Value | Distance |
|---|---|---|
| Loudon County, TN | 18,137 jobs · $1,079/wk · +2.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 3,475 | $769 | 1.97 | +5.2% |
| Manufacturing | 3,446 | $1,516 | 2.36 | -1.1% |
| Accommodation and food services | 1,799 | $464 | 1.10 | -6.4% |
| Health care and social assistance | 1,713 | $1,120 | 0.63 | +6.8% |
| Transportation and warehousing | 1,067 | $1,089 | 1.40 | -2.2% |
| Construction | 804 | $1,153 | 0.85 | +2.8% |
| Administrative and waste services | 723 | $1,062 | 0.70 | +13.0% |
| Agriculture, forestry, fishing | 455 | $907 | 3.47 | -10.3% |
| Arts, entertainment and recreation | 389 | $549 | 1.30 | +87.9% |
| Other services | 365 | $921 | 0.67 | +7.7% |
| Finance and insurance | 331 | $1,507 | 0.45 | +6.1% |
| Real estate and rental | 175 | $1,500 | 0.63 | +15.9% |
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 #
$1.1 bn in deposits at 9 offices of 6 banks (SOD June 2026); HHI 2,749, highly concentrated. $569.5 m federal obligations in FY2026 (direct payments $556.5 m, contracts $9.8 m), $31,399 per covered job
| Item | Value | Distance |
|---|---|---|
| United Community Bank | $473.4 m · 42.6% share · 3 offices | |
| Truist Bank | $228.1 m · 20.6% share · 2 offices | |
| SouthEast Bank | $223.1 m · 20.1% share · 1 office | |
| Loudon, TN | $569.5 m FY2026 · $31,399/job | |
| MULTIPLE RECIPIENTS | $551.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| United Community Bank | $473,437,000 | 42.6% | 3 |
| Truist Bank | $228,144,000 | 20.6% | 2 |
| SouthEast Bank | $223,072,000 | 20.1% | 1 |
| Citizens Bank | $83,911,000 | 7.6% | 1 |
| Regions Bank | $68,691,000 | 6.2% | 1 |
| Peoples Bank of East Tennessee | $32,918,000 | 3.0% | 1 |
Deposit concentration is 2,749 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 42.6² + 20.6² + 20.1² + … (3 more) = 2,749
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 | $488,853,831 |
| Department of Veterans Affairs | $58,621,493 |
| Department of Defense | $6,259,506 |
| Railroad Retirement Board | $3,670,147 |
| Department of Housing and Urban Development | $3,596,162 |
| Department of Justice | $3,465,600 |
| Department of Transportation | $2,177,752 |
| Department of Agriculture | $1,857,320 |
| Federal Communications Commission | $873,184 |
| Nuclear Regulatory Commission | $78,892 |
| Department of Energy | $40,519 |
| Small Business Administration | $0 |
That is $31,399 per covered job, against 18,137 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $569.5 m / 18,137 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $31,399
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 #
Loudon County, TN: 13 findings, 1 at a watch level and 12 noted
watchLoudon County, TN's years of wages of 8.0 ranks 217th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-08.Show the arithmetic
- test: yearsOfWages percentile = 92.94578706727629 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
noteLoudon County, TN's covered employment was 2.8% 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
- +2.8 % = 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
noteLoudon County, TN's average weekly wage was 1.2% 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
- +1.2 % = 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
noteLoudon County, TN's typical asking rent rose 1.1% from $1,758 in July 2026 to $1,779 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +1.1% = (1778.5349206349208 - 1758.3363399894718) / 1758.3363399894718 × 100
- 1778.5349206349208 = Zillow ZORI, 2026-08
- 1758.3363399894718 = Zillow ZORI, 2026-07
noteLoudon County, TN's typical home value rose 0.3% from $449,203 in July 2026 to $450,481 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (450480.60029111034 - 449202.5437214297) / 449202.5437214297 × 100
- 450480.60029111034 = Zillow ZHVI, 2026-08
- 449202.5437214297 = 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.