Obion County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.36, -89.15.
Assembled 2026-10-06. Read the brief.
- 23rd pct · 2,344th of 3,063 US counties · median $234,566
- 4th pct · 91st of 95 Tennessee counties · median $259,021
- 87th pct · 380th of 3,063 US counties · median +2.9%
- 88th pct · 12th of 95 Tennessee counties · median +3.2%
- US counties: not published this period
- Tennessee counties: not published this period
- 58th pct · 1,345th of 3,221 US counties · median 8,232
- 59th pct · 39th of 95 Tennessee counties · median 8,576
- 24th pct · 2,433rd of 3,221 US counties · median $1,039
- 24th pct · 71st of 95 Tennessee counties · median $1,030
- 32nd pct · 2,076th of 3,063 US counties · median 4.3
- 9th pct · 86th 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 $169,585 (Aug 2026), +7.3% over one year, +34.1% over five
- 23rd pct · 2,344th of 3,063 US counties · median $234,566
- 4th pct · 91st of 95 Tennessee counties · median $259,021
| Item | Value | Distance |
|---|---|---|
| Obion County, TN | $169,585 · +7.3% 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 $928 a month on $169,585 at 7.28%, against an average weekly wage worth $4,013 a month: 23.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $169,585 × 80% = $135,668, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $928/mo principal and interest
- wage share = payment / (avg weekly wage $926 × 52 / 12 = $4,013) = 23% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $169,585 / ($926 × 52) = 3.5
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 #
11,664 jobs at 729 employers (2026 Q1); -1.7% jobs and -0.5% average weekly wage over the year
- 58th pct · 1,345th of 3,221 US counties · median 8,232
- 59th pct · 39th of 95 Tennessee counties · median 8,576
| Item | Value | Distance |
|---|---|---|
| Obion County, TN | 11,664 jobs · $926/wk · -1.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 3,423 | $1,130 | 3.65 | +5.2% |
| Retail trade | 1,591 | $669 | 1.40 | -2.6% |
| Accommodation and food services | 991 | $343 | 0.95 | -1.4% |
| Construction | 619 | $1,156 | 1.01 | -19.6% |
| Wholesale trade | 398 | $1,297 | 0.89 | -4.3% |
| Finance and insurance | 305 | $1,449 | 0.64 | -1.0% |
| Administrative and waste services | 305 | $1,032 | 0.46 | -10.8% |
| Professional and technical services | 211 | $1,218 | 0.26 | +0.5% |
| Arts, entertainment and recreation | 194 | $763 | 1.01 | +34.7% |
| Other services | 167 | $823 | 0.48 | +7.1% |
| Real estate and rental | 114 | $1,156 | 0.64 | +6.5% |
| Management of companies | 73 | $2,076 | 0.37 | -7.6% |
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 #
D0 abnormally dry
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 #
24 gauges · 0 flooding · 0 with quality panels · 10 stale
Sites found: 24, 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-07026000 | flow 24,100 ft³/s · STALE | 13 km |
| USGS-07026400 | flow 0.00 ft³/s · STALE | 13 km |
| USGS-07025500 | flow 240.0 ft³/s · STALE | 14 km |
| USGS-07026370 | flow 0.80 ft³/s · STALE | 15 km |
| USGS-07026040 | flow 611.0 ft³/s | 15 km |
| USGS-07026500 | stage 2.95 ft | 16 km |
| USGS-07026795 | flow 4.62 ft³/s · STALE | 18 km |
| USGS-07026680 | flow 0.00 ft³/s · STALE | 20 km |
| USGS-07027002 | flow 7.27 ft³/s · STALE | 23 km |
| USGS-07027000 | stage 11.3 ft | 23 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 #
8 wells in 0 named aquifers:
Sites found: 8, 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-362500089281101 | depth 24.6 ft · 2026-10-05 | 29 km |
| MO005-361145089394101 | depth 24.7 ft · 2026-10-05 | 50 km |
| MO005-364643089212301 | depth 10.8 ft · 2026-10-05 | 50 km |
| USGS-355251089350500 | depth 7.26 ft · 1989-10-03 | 66 km |
| MO005-360425089485001 | depth 17.8 ft · 2026-10-05 | 68 km |
| MO005-365319089331001 | depth 8.34 ft · 2026-10-05 | 69 km |
| MO005-362718089552301 | depth -1.59 ft · 2026-10-05 | 70 km |
| USGS-365210088391301 | depth 8.70 ft · 2026-10-06 | 72 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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$921.3 m in deposits at 14 offices of 9 banks (SOD June 2026); HHI 1,743, moderately concentrated. $208.8 m federal obligations in FY2026 (direct payments $203.0 m, grants $5.4 m), $17,898 per covered job
| Item | Value | Distance |
|---|---|---|
| Security Bank and Trust Company | $236.0 m · 25.6% share · 1 office | |
| The Park National Bank | $176.0 m · 19.1% share · 2 offices | |
| Simmons Bank | $158.9 m · 17.3% share · 3 offices | |
| Obion, TN | $208.8 m FY2026 · $17,898/job | |
| MULTIPLE RECIPIENTS | $195.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Security Bank and Trust Company | $235,970,000 | 25.6% | 1 |
| The Park National Bank | $175,975,000 | 19.1% | 2 |
| Simmons Bank | $158,926,000 | 17.3% | 3 |
| Commercial Bank & Trust Co. | $156,834,000 | 17.0% | 2 |
| Bank3 | $91,669,000 | 10.0% | 2 |
| Regions Bank | $41,296,000 | 4.5% | 1 |
| The Citizens Bank | $27,288,000 | 3.0% | 1 |
| Foundation Bank | $20,483,000 | 2.2% | 1 |
| First Community Bank of the Heartland, Inc. | $12,816,000 | 1.4% | 1 |
Deposit concentration is 1,743 across 9 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 25.6² + 19.1² + 17.3² + … (6 more) = 1,743
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 | $175,393,541 |
| Department of Veterans Affairs | $17,545,403 |
| Department of Agriculture | $7,754,779 |
| Department of Transportation | $3,971,703 |
| Railroad Retirement Board | $2,283,126 |
| Department of Housing and Urban Development | $1,960,237 |
| Federal Communications Commission | $88,524 |
| Department of the Interior | $86,846 |
| Department of Homeland Security | $34,975 |
| Small Business Administration | $22,406 |
| Department of Health and Human Services | $13,051 |
| Institute of Museum and Library Services | $9,890 |
That is $17,898 per covered job, against 11,664 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $208.8 m / 11,664 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,898
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 #
Obion County, TN: 8 findings, 2 at a watch level and 6 noted
watchObion County, TN's covered employment is -1.7% 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 = -1.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchObion County, TN's average weekly wage is -0.5% 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 = -0.5 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteObion County, TN's covered employment was 1.7% 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
- -1.7 % = 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
noteObion County, TN's typical home value rose 0.6% from $168,503 in July 2026 to $169,585 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.6% = (169585.499734596 - 168502.98358357602) / 168502.98358357602 × 100
- 169585.499734596 = Zillow ZHVI, 2026-08
- 168502.98358357602 = Zillow ZHVI, 2026-07
noteObion County, TN's average weekly wage was 0.5% 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
- -0.5 % = 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
Read all 8 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.