Moore County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.29, -86.36.
Assembled 2026-10-06. Read the brief.
- 81st pct · 568th of 3,063 US counties · median $234,566
- 86th pct · 14th of 95 Tennessee counties · median $259,021
- 92nd pct · 235th of 3,063 US counties · median +2.9%
- 96th pct · 4th of 95 Tennessee counties · median +3.2%
- US counties: not published this period
- Tennessee counties: not published this period
- 19th pct · 2,584th of 3,221 US counties · median 8,232
- 11th pct · 84th of 95 Tennessee counties · median 8,576
- 60th pct · 1,269th of 3,221 US counties · median $1,039
- 70th pct · 29th of 95 Tennessee counties · median $1,030
- 83rd pct · 518th of 3,063 US counties · median 4.3
- 89th pct · 11th 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 $364,221 (Aug 2026), +8.5% over one year, +38.0% over five
- 81st pct · 568th of 3,063 US counties · median $234,566
- 86th pct · 14th of 95 Tennessee counties · median $259,021
| Item | Value | Distance |
|---|---|---|
| Moore County, TN | $364,221 · +8.5% 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 $1,994 a month on $364,221 at 7.28%, against an average weekly wage worth $4,728 a month: 42.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $364,221 × 80% = $291,377, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,994/mo principal and interest
- wage share = payment / (avg weekly wage $1,091 × 52 / 12 = $4,728) = 42% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $364,221 / ($1,091 × 52) = 6.4
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 #
2,420 jobs at 88 employers (2026 Q1); +0.1% jobs and -3.5% average weekly wage over the year
- 19th pct · 2,584th of 3,221 US counties · median 8,232
- 11th pct · 84th of 95 Tennessee counties · median 8,576
| Item | Value | Distance |
|---|---|---|
| Moore County, TN | 2,420 jobs · $1,091/wk · +0.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 80 | $408 | 0.34 | -1.2% |
| Construction | 34 | $1,320 | 0.27 | -17.1% |
| Wholesale trade | 9 | $876 | 0.10 | +28.6% |
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Manufacturing | withheld | |||
| Transportation and warehousing | withheld | |||
| Information | withheld | |||
| Finance and insurance | withheld | |||
| Professional and technical services | withheld | |||
| Administrative and waste services | withheld | |||
| Health care and social assistance | 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 #
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 #
77 gauges · 0 flooding · 10 with quality panels averaging 98 % · 38 stale
Sites found: 77, 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 |
|---|---|---|
| HARPETH RIVER AT MCDANIEL, TN | flow 0.00 ft³/s · quality 80 % (5) | 68 km |
| E F MULBERRY CR BL JACK DAN DIST. AT LYNCHBURG, TN | flow 13.0 ft³/s · STALE | 1 km |
| USGS-035977607 | flow 0.00 ft³/s · STALE | 13 km |
| ROCK CREEK AT TULLAHOMA, TN | flow 5.60 ft³/s · STALE | 15 km |
| USGS-03596485 | flow 0.31 ft³/s · STALE | 18 km |
| USGS-03597898 | flow 74.0 ft³/s · STALE | 21 km |
| SPRING CR OFF SPRING CR ROAD AT AEDC NR MANCHESTER | flow 25.0 ft³/s · STALE | 22 km |
| Duck River at Normandy Dam | no readings | 22 km |
| USGS-03597860 | flow 197.0 ft³/s · quality 100 % (4) | 24 km |
| ELK RIVER ABOVE FAYETTEVILLE, TN | flow 295.0 ft³/s · quality 100 % (1) · no flooding | 24 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 #
23 wells in 0 named aquifers:
Sites found: 23, 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-352147086094601 | depth 42.4 ft · 2026-02-24 | 20 km |
| USGS-352045086085401 | depth 19.0 ft · 2026-02-24 | 20 km |
| USGS-352340086043601 | depth 56.6 ft · 2026-02-24 | 28 km |
| USGS-352509086051103 | depth 21.4 ft · 2025-10-14 | 29 km |
| USGS-352509086051101 | depth 27.2 ft · 2025-10-14 | 29 km |
| USGS-352509086051102 | depth 44.4 ft · 2025-10-14 | 29 km |
| USGS-352441086044501 | depth 28.3 ft · 2025-12-08 | 29 km |
| USGS-352309086034403 | depth 23.9 ft · 2025-10-20 | 29 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 (0.33)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.02 / 0.55
Banks & federal dollars #
$68.6 m in deposits at 2 offices of 2 banks (SOD June 2026); HHI 5,043, highly concentrated. $56.2 m federal obligations in FY2026 (direct payments $53.2 m, grants $3.0 m), $23,234 per covered job
| Item | Value | Distance |
|---|---|---|
| First Community Bank of Tennessee | $37.5 m · 54.6% share · 1 office | |
| FirstBank | $31.1 m · 45.4% share · 1 office | |
| Moore, TN | $56.2 m FY2026 · $23,234/job | |
| MULTIPLE RECIPIENTS | $40.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Community Bank of Tennessee | $37,513,000 | 54.6% | 1 |
| FirstBank | $31,133,000 | 45.4% | 1 |
Deposit concentration is 5,043 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 54.6² + 45.4² = 5,043
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 | $37,498,066 |
| Department of Education | $11,481,019 |
| Department of Transportation | $3,011,776 |
| Department of Veterans Affairs | $2,897,617 |
| Department of Agriculture | $1,218,087 |
| Railroad Retirement Board | $141,892 |
| Department of Defense | $1,924 |
| Federal Communications Commission | -$23,011 |
That is $23,234 per covered job, against 2,420 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $56.2 m / 2,420 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,234
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 | 2026-10-06 | +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 | -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 #
Moore County, TN: 7 findings, 1 at a watch level and 6 noted
watchMoore County, TN's average weekly wage is -3.5% 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 = -3.5 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteMoore County, TN's average weekly wage was 3.5% 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
- -3.5 % = 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
noteMoore County, TN's typical home value rose 0.3% from $363,267 in July 2026 to $364,221 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (364221.15443785087 - 363266.7492101419) / 363266.7492101419 × 100
- 364221.15443785087 = Zillow ZHVI, 2026-08
- 363266.7492101419 = Zillow ZHVI, 2026-07
noteMoore County, TN's covered employment was 0.1% 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
- +0.1 % = 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
noteMoore County, TN's typical home value of +8.5% ranks 4th of 95 Tennessee counties, against a median of +3.2%.
Period 2026-08.Show the arithmetic
- 97 on the 0-to-100 scale across 95 Tennessee counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
Read all 7 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.