Putnam County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.14, -85.50.
Assembled 2026-10-06. Read the brief.
- 72nd pct · 843rd of 3,063 US counties · median $234,566
- 74th pct · 25th of 95 Tennessee counties · median $259,021
- 34th pct · 2,000th of 3,063 US counties · median +2.9%
- 24th pct · 72nd of 95 Tennessee counties · median +3.2%
- 49th pct · 709th of 1,399 US counties · median $1,496
- 51st pct · 23rd of 46 Tennessee counties · median $1,490
- 81st pct · 607th of 3,221 US counties · median 8,232
- 82nd pct · 17th of 95 Tennessee counties · median 8,576
- 50th pct · 1,600th of 3,221 US counties · median $1,039
- 54th pct · 44th of 95 Tennessee counties · median $1,030
- 76th pct · 709th of 3,063 US counties · median 4.3
- 74th pct · 25th 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 $314,866 (Aug 2026), +1.6% over one year, +26.7% over five
- 72nd pct · 843rd of 3,063 US counties · median $234,566
- 74th pct · 25th of 95 Tennessee counties · median $259,021
| Item | Value | Distance |
|---|---|---|
| Putnam County, TN | $314,866 · +1.6% 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 $1,491/mo (Aug 2026), +1.6% over one year; price-to-rent 17.6
- 49th pct · 709th of 1,399 US counties · median $1,496
- 51st pct · 23rd of 46 Tennessee counties · median $1,490
| Item | Value | Distance |
|---|---|---|
| Putnam County, TN | $1,491/mo · +1.6% 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 $1,723 a month on $314,866 at 7.28%, against an average weekly wage worth $4,507 a month: 38.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $314,866 × 80% = $251,892, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,723/mo principal and interest
- wage share = payment / (avg weekly wage $1,040 × 52 / 12 = $4,507) = 38% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $314,866 / ($1,040 × 52) = 5.8
- price-to-rent = $314,866 / ($1,491 × 12) = 17.6
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 #
40,110 jobs at 2,466 employers (2026 Q1); +0.1% jobs and +6.3% average weekly wage over the year
- 81st pct · 607th of 3,221 US counties · median 8,232
- 82nd pct · 17th of 95 Tennessee counties · median 8,576
| Item | Value | Distance |
|---|---|---|
| Putnam County, TN | 40,110 jobs · $1,040/wk · +0.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 5,404 | $711 | 1.38 | -2.6% |
| Health care and social assistance | 4,831 | $894 | 0.80 | +5.0% |
| Accommodation and food services | 4,826 | $405 | 1.34 | +6.5% |
| Manufacturing | 4,688 | $1,785 | 1.45 | -7.8% |
| Construction | 1,919 | $1,278 | 0.91 | +0.2% |
| Transportation and warehousing | 1,775 | $1,067 | 1.05 | -4.8% |
| Administrative and waste services | 1,560 | $794 | 0.68 | +22.3% |
| Finance and insurance | 1,462 | $1,548 | 0.89 | +13.5% |
| Wholesale trade | 1,312 | $1,403 | 0.85 | +4.5% |
| Professional and technical services | 942 | $1,275 | 0.34 | -11.3% |
| Other services | 769 | $744 | 0.64 | -11.5% |
| Real estate and rental | 340 | $990 | 0.55 | -0.6% |
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 #
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 #
$3.4 bn in deposits at 31 offices of 15 banks (SOD June 2026); HHI 1,003, moderately concentrated. $565.9 m federal obligations in FY2026 (direct payments $526.2 m, grants $29.1 m), $14,108 per covered job
| Item | Value | Distance |
|---|---|---|
| One Bank of Tennessee | $546.1 m · 16.1% share · 6 offices | |
| SouthEast Bank | $449.3 m · 13.3% share · 2 offices | |
| Regions Bank | $388.1 m · 11.5% share · 3 offices | |
| Putnam, TN | $565.9 m FY2026 · $14,108/job | |
| MULTIPLE RECIPIENTS | $502.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| One Bank of Tennessee | $546,088,000 | 16.1% | 6 |
| SouthEast Bank | $449,316,000 | 13.3% | 2 |
| Regions Bank | $388,123,000 | 11.5% | 3 |
| Wilson Bank and Trust | $366,778,000 | 10.8% | 2 |
| First Horizon Bank | $361,696,000 | 10.7% | 2 |
| First National Bank of Tennessee | $338,566,000 | 10.0% | 2 |
| Wellworth Bank | $168,044,000 | 5.0% | 2 |
| Putnam 1st Mercantile Bank | $159,820,000 | 4.7% | 3 |
| First Freedom Bank | $139,420,000 | 4.1% | 2 |
| U.S. Bank National Association | $120,866,000 | 3.6% | 1 |
Deposit concentration is 1,003 across 15 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 15 banks with deposits in the county = 16.1² + 13.3² + 11.5² + … (12 more) = 1,003
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 | $422,922,652 |
| Department of Veterans Affairs | $84,160,065 |
| Department of Education | $22,732,686 |
| Department of Health and Human Services | $13,812,699 |
| Department of Housing and Urban Development | $3,636,155 |
| Department of Defense | $3,549,326 |
| Department of Commerce | $3,225,000 |
| Department of Transportation | $3,072,145 |
| National Aeronautics and Space Administration | $2,741,474 |
| Department of Agriculture | $2,042,140 |
| National Science Foundation | $1,817,356 |
| Railroad Retirement Board | $1,492,066 |
That is $14,108 per covered job, against 40,110 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $565.9 m / 40,110 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,108
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 #
Putnam County, TN: 5 findings, 5 noted
notePutnam 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
notePutnam County, TN's typical asking rent rose 1.5% from $1,470 in July 2026 to $1,491 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +1.5% = (1491.2989130434783 - 1469.869775937305) / 1469.869775937305 × 100
- 1491.2989130434783 = Zillow ZORI, 2026-08
- 1469.869775937305 = Zillow ZORI, 2026-07
notePutnam 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
noteThe next Zillow ZHVI typical home value (monthly) covering Putnam 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
noteThe next Zillow ZORI typical rent (monthly) covering Putnam 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.