Overton County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.34, -85.28.
Assembled 2026-10-06. Read the brief.
- 58th pct · 1,261st of 3,063 US counties · median $234,566
- 50th pct · 48th of 95 Tennessee counties · median $259,021
- 70th pct · 919th of 3,063 US counties · median +2.9%
- 71st pct · 28th of 95 Tennessee counties · median +3.2%
- US counties: not published this period
- Tennessee counties: not published this period
- 41st pct · 1,891st of 3,221 US counties · median 8,232
- 37th pct · 60th of 95 Tennessee counties · median 8,576
- 55th pct · 1,429th of 3,221 US counties · median $1,039
- 60th pct · 38th of 95 Tennessee counties · median $1,030
- 58th pct · 1,276th of 3,063 US counties · median 4.3
- 36th pct · 61st 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 $259,021 (Aug 2026), +4.8% over one year, +32.8% over five
- 58th pct · 1,261st of 3,063 US counties · median $234,566
- 50th pct · 48th of 95 Tennessee counties · median $259,021
| Item | Value | Distance |
|---|---|---|
| Overton County, TN | $259,021 · +4.8% 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 $1,418 a month on $259,021 at 7.28%, against an average weekly wage worth $4,611 a month: 30.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $259,021 × 80% = $207,217, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,418/mo principal and interest
- wage share = payment / (avg weekly wage $1,064 × 52 / 12 = $4,611) = 31% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $259,021 / ($1,064 × 52) = 4.7
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 #
5,803 jobs at 446 employers (2026 Q1); 0.0% jobs and +6.3% average weekly wage over the year
- 41st pct · 1,891st of 3,221 US counties · median 8,232
- 37th pct · 60th of 95 Tennessee counties · median 8,576
| Item | Value | Distance |
|---|---|---|
| Overton County, TN | 5,803 jobs · $1,064/wk · 0.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 981 | $1,075 | 2.10 | +0.1% |
| Retail trade | 618 | $588 | 1.09 | -1.1% |
| Construction | 269 | $4,154 | 0.88 | -7.9% |
| Wholesale trade | 211 | $1,905 | 0.95 | +9.3% |
| Professional and technical services | 208 | $1,074 | 0.52 | +0.0% |
| Other services | 157 | $812 | 0.91 | -1.9% |
| Finance and insurance | 151 | $1,691 | 0.64 | -0.7% |
| Agriculture, forestry, fishing | 145 | $724 | 3.46 | -7.1% |
| Mining, oil and gas | 87 | $845 | 4.21 | -3.3% |
| Information | 45 | $1,073 | 0.42 | -10.0% |
| Real estate and rental | 14 | $1,235 | 0.16 | +133.3% |
| Unclassified | 2 | $1,738 | 0.16 | +100.0% |
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 #
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 #
40 gauges · 0 flooding · 9 with quality panels averaging 98 % · 13 stale
Sites found: 40, 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 |
|---|---|---|
| CLEAR CREEK AT LILLY BRIDGE NEAR LANCING, TN | flow 15.7 ft³/s · quality 80 % (5) | 57 km |
| WEST FORK OBEY RIVER NEAR ALPINE, TN | flow 4.48 ft³/s | 11 km |
| ROARING RIVER NEAR HILHAM, TN | flow 8.76 ft³/s | 13 km |
| ROARING RIVER ABOVE GAINESBORO, TN | flow 0.00 ft³/s · STALE | 24 km |
| EAST FORK OBEY RIVER NEAR JAMESTOWN, TN | flow 12.7 ft³/s · STALE | 24 km |
| Cumberland River at Penitentiary Branch in Jackson County | no flooding | 30 km |
| WOLF RIVER NEAR BYRDSTOWN, TN | flow 8.67 ft³/s | 30 km |
| CUMBERLAND RIVER AT CELINA, TN | flow 0.00 ft³/s · quality 100 % (4) · no flooding | 31 km |
| JENNINGS CREEK AT RILEY CR RD AT WHITLEYVILLE, TN | flow 2.56 ft³/s | 37 km |
| FALLING WATER RIVER NEAR COOKEVILLE, TN | flow 19.4 ft³/s | 37 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 #
3 wells in 0 named aquifers:
Sites found: 3, 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-360521085432600 | depth 52.3 ft · 2026-10-05 | 49 km |
| USGS-363304084475600 | depth 100.7 ft · 2026-10-05 | 49 km |
| USGS-360543084343101 | depth 3.74 ft · 2026-10-05 | 69 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 (0.17)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.02 / 0.55
Banks & federal dollars #
$652.7 m in deposits at 6 offices of 5 banks (SOD June 2026); HHI 3,422, highly concentrated. $156.5 m federal obligations in FY2026 (direct payments $155.4 m, grants $963,170), $26,964 per covered job
| Item | Value | Distance |
|---|---|---|
| First National Bank of Tennessee | $342.2 m · 52.4% share · 2 offices | |
| Wellworth Bank | $125.6 m · 19.2% share · 1 office | |
| Union Bank & Trust Company | $85.0 m · 13.0% share · 1 office | |
| Overton, TN | $156.5 m FY2026 · $26,964/job | |
| MULTIPLE RECIPIENTS | $152.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First National Bank of Tennessee | $342,182,000 | 52.4% | 2 |
| Wellworth Bank | $125,623,000 | 19.2% | 1 |
| Union Bank & Trust Company | $85,000,000 | 13.0% | 1 |
| One Bank of Tennessee | $68,755,000 | 10.5% | 1 |
| People's Bank and Trust Company of Pickett County | $31,165,000 | 4.8% | 1 |
Deposit concentration is 3,422 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 52.4² + 19.2² + 13.0² + … (2 more) = 3,422
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 | $134,039,010 |
| Department of Veterans Affairs | $18,573,756 |
| Department of Agriculture | $1,822,960 |
| Department of Transportation | $754,338 |
| Department of Housing and Urban Development | $583,793 |
| Federal Communications Commission | $338,254 |
| Department of Health and Human Services | $220,804 |
| Railroad Retirement Board | $124,459 |
| Department of Defense | $48,816 |
| Department of Education | -$32,318 |
That is $26,964 per covered job, against 5,803 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $156.5 m / 5,803 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $26,964
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 | 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 #
Overton County, TN: 2 findings, 2 noted
noteOverton County, TN's average weekly wage was 6.3% 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
- +6.3 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Overton 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.