Macon County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.54, -86.00.
Assembled 2026-10-07. Read the brief.
- 60th pct · 1,218th of 3,063 US counties · median $234,566
- 55th pct · 43rd of 95 Tennessee counties · median $259,021
- 7th pct · 13th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median $384,552
- 58th pct · 1,277th of 3,063 US counties · median +2.9%
- 55th pct · 43rd of 95 Tennessee counties · median +3.2%
- 69th pct · 5th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median +2.0%
- US counties: not published this period
- Tennessee counties: not published this period
- counties in the Nashville-Davidson--Murfreesboro--Franklin metro: not published this period
- 38th pct · 1,990th of 3,221 US counties · median 8,232
- 31st pct · 65th of 95 Tennessee counties · median 8,576
- 30th pct · 10th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median 20,943
- 29th pct · 2,280th of 3,221 US counties · median $1,039
- 31st pct · 65th of 95 Tennessee counties · median $1,030
- 3rd pct · 13th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median $1,207
- 70th pct · 915th of 3,063 US counties · median 4.3
- 60th pct · 38th of 95 Tennessee counties · median 5.0
- 23rd pct · 11th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median 6.2
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 $264,390 (Aug 2026), +3.7% over one year, +28.1% over five
- 60th pct · 1,218th of 3,063 US counties · median $234,566
- 55th pct · 43rd of 95 Tennessee counties · median $259,021
- 7th pct · 13th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median $384,552
| Item | Value | Distance |
|---|---|---|
| Macon County, TN | $264,390 · +3.7% 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
- counties in the Nashville-Davidson--Murfreesboro--Franklin metro: 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 $1,447 a month on $264,390 at 7.28%, against an average weekly wage worth $4,112 a month: 35.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $264,390 × 80% = $211,512, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,447/mo principal and interest
- wage share = payment / (avg weekly wage $949 × 52 / 12 = $4,112) = 35% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $264,390 / ($949 × 52) = 5.4
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 #
5,193 jobs at 398 employers (2026 Q1); -2.7% jobs and +0.3% average weekly wage over the year
- 38th pct · 1,990th of 3,221 US counties · median 8,232
- 31st pct · 65th of 95 Tennessee counties · median 8,576
- 30th pct · 10th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median 20,943
| Item | Value | Distance |
|---|---|---|
| Macon County, TN | 5,193 jobs · $949/wk · -2.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 901 | $1,052 | 2.16 | -9.1% |
| Retail trade | 755 | $626 | 1.49 | -6.1% |
| Finance and insurance | 312 | $1,863 | 1.47 | +1.0% |
| Wholesale trade | 142 | $988 | 0.71 | -11.2% |
| Information | 83 | $1,393 | 0.87 | +0.0% |
| Professional and technical services | 77 | $968 | 0.21 | -6.1% |
| Administrative and waste services | 38 | $846 | 0.13 | -62.7% |
| Real estate and rental | 30 | $642 | 0.38 | +50.0% |
| Agriculture, forestry, fishing | withheld | |||
| Utilities | withheld | |||
| Construction | withheld | |||
| Transportation and warehousing | 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 #
D1 moderate 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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$961.9 m in deposits at 9 offices of 3 banks (SOD June 2026); HHI 4,913, highly concentrated. $142.4 m federal obligations in FY2026 (direct payments $138.7 m, grants $3.5 m), $27,422 per covered job
| Item | Value | Distance |
|---|---|---|
| Macon Bank and Trust Company | $561.5 m · 58.4% share · 4 offices | |
| Wellworth Bank | $372.1 m · 38.7% share · 4 offices | |
| First Horizon Bank | $28.3 m · 2.9% share · 1 office | |
| Macon, TN | $142.4 m FY2026 · $27,422/job | |
| MULTIPLE RECIPIENTS | $133.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Macon Bank and Trust Company | $561,498,000 | 58.4% | 4 |
| Wellworth Bank | $372,094,000 | 38.7% | 4 |
| First Horizon Bank | $28,269,000 | 2.9% | 1 |
Deposit concentration is 4,913 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 = 58.4² + 38.7² + 2.9² = 4,913
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 | $120,693,244 |
| Department of Veterans Affairs | $12,747,650 |
| Department of Agriculture | $5,863,883 |
| Department of Transportation | $2,304,301 |
| Department of Housing and Urban Development | $474,182 |
| Railroad Retirement Board | $201,944 |
| Federal Communications Commission | $118,358 |
That is $27,422 per covered job, against 5,193 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $142.4 m / 5,193 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $27,422
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 #
Macon County, TN: 10 findings, 1 at a watch level and 9 noted
watchMacon County, TN's covered employment is -2.7% 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 = -2.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteMacon County, TN's covered employment was 2.7% 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
- -2.7 % = 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
noteMacon County, TN's average weekly wage was 0.3% 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
- +0.3 % = 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
noteMacon County, TN's average weekly wage of $949 ranks 13th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro, against a median of $1,207.
Period 2026 Q1.Show the arithmetic
- 4 on the 0-to-100 scale across 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
noteMacon County, TN's momentum index of -0.17 ranks 88th of 95 Tennessee counties, against a median of 0.19.
Period 2026-08.Show the arithmetic
- 7 on the 0-to-100 scale across 95 Tennessee counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
Read all 10 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.