Robertson County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.52, -86.87.
Assembled 2026-10-07. Read the brief.
- 82nd pct · 544th of 3,063 US counties · median $234,566
- 87th pct · 13th of 95 Tennessee counties · median $259,021
- 46th pct · 8th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median $384,552
- 24th pct · 2,319th of 3,063 US counties · median +2.9%
- 10th pct · 85th of 95 Tennessee counties · median +3.2%
- 15th pct · 12th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median +2.0%
- 68th pct · 442nd of 1,399 US counties · median $1,496
- 80th pct · 10th of 46 Tennessee counties · median $1,490
- 50th pct · 5th of 9 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median $1,732
- 73rd pct · 844th of 3,221 US counties · median 8,232
- 77th pct · 22nd of 95 Tennessee counties · median 8,576
- 53rd pct · 7th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median 20,943
- 59th pct · 1,316th of 3,221 US counties · median $1,039
- 68th pct · 31st of 95 Tennessee counties · median $1,030
- 38th pct · 9th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median $1,207
- 84th pct · 465th of 3,063 US counties · median 4.3
- 93rd pct · 7th of 95 Tennessee counties · median 5.0
- 69th pct · 5th 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 $371,364 (Aug 2026), +0.4% over one year, +21.1% over five
- 82nd pct · 544th of 3,063 US counties · median $234,566
- 87th pct · 13th of 95 Tennessee counties · median $259,021
- 46th pct · 8th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median $384,552
| Item | Value | Distance |
|---|---|---|
| Robertson County, TN | $371,364 · +0.4% 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 $1,732/mo (Aug 2026), +0.3% over one year; price-to-rent 17.9
- 68th pct · 442nd of 1,399 US counties · median $1,496
- 80th pct · 10th of 46 Tennessee counties · median $1,490
- 50th pct · 5th of 9 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median $1,732
| Item | Value | Distance |
|---|---|---|
| Robertson County, TN | $1,732/mo · +0.3% 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 $2,033 a month on $371,364 at 7.28%, against an average weekly wage worth $4,693 a month: 43.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $371,364 × 80% = $297,091, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,033/mo principal and interest
- wage share = payment / (avg weekly wage $1,083 × 52 / 12 = $4,693) = 43% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $371,364 / ($1,083 × 52) = 6.6
- price-to-rent = $371,364 / ($1,732 × 12) = 17.9
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 #
23,035 jobs at 1,625 employers (2026 Q1); -0.2% jobs and +2.5% average weekly wage over the year
- 73rd pct · 844th of 3,221 US counties · median 8,232
- 77th pct · 22nd of 95 Tennessee counties · median 8,576
- 53rd pct · 7th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median 20,943
| Item | Value | Distance |
|---|---|---|
| Robertson County, TN | 23,035 jobs · $1,083/wk · -0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 5,002 | $1,309 | 2.70 | -4.6% |
| Retail trade | 2,902 | $712 | 1.29 | -3.1% |
| Accommodation and food services | 2,081 | $468 | 1.01 | +4.4% |
| Health care and social assistance | 1,697 | $1,083 | 0.49 | +4.9% |
| Transportation and warehousing | 1,683 | $1,034 | 1.73 | +0.0% |
| Construction | 1,555 | $1,518 | 1.29 | +1.8% |
| Administrative and waste services | 1,140 | $892 | 0.87 | +14.0% |
| Other services | 555 | $1,115 | 0.81 | -10.3% |
| Finance and insurance | 371 | $1,614 | 0.40 | -14.9% |
| Educational services | 240 | $945 | 0.48 | +8.1% |
| Arts, entertainment and recreation | 233 | $355 | 0.61 | +82.0% |
| Real estate and rental | 154 | $1,651 | 0.44 | -17.2% |
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 #
68 gauges · 0 flooding · 18 with quality panels averaging 97 % · 28 stale
Sites found: 68, 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 |
|---|---|---|
| SULPHUR FORK RED RIVER ABOVE SPRINGFIELD, TN | flow 375.0 ft³/s · STALE | 2 km |
| MILLERS CREEK AT TURNERSVILLE | flow 15.0 ft³/s · STALE | 15 km |
| SULPHUR FORK RED RIVER NEAR ADAMS, TN | flow 29.0 ft³/s · STALE | 17 km |
| RED RIVER AT DOT, KY | flow 41.7 ft³/s | 18 km |
| MANSKER CREEK AT HWY 41 NEAR MILLERSVILLE, TN | flow 375.0 ft³/s | 23 km |
| RED RIVER AT PORT ROYAL, TN | flow 106.0 ft³/s | 24 km |
| MANSKER CREEK ABOVE GOODLETTSVILLE, TN | flow 20.0 ft³/s · STALE | 25 km |
| CUMMINGS BRANCH AT LICKTON, TN | flow 0.29 ft³/s · STALE | 25 km |
| SYCAMORE CREEK NEAR ASHLAND CITY, TN | flow 13.7 ft³/s | 28 km |
| WHITES C AT OLD HICKORY BLVD AT WHITES CREEK, TN | flow 347.0 ft³/s | 28 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 #
6 wells in 0 named aquifers:
Sites found: 6, 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-363609086430401 | depth 24.7 ft · 2026-10-05 | 16 km |
| USGS-360835086441100 | depth 54.1 ft · 1997-09-29 | 44 km |
| USGS-360905087070201 | depth 44.6 ft · 2026-10-05 | 47 km |
| USGS-365538086281001 | depth 61.1 ft · 1984-10-24 | 57 km |
| USGS-355749086533300 | depth 31.2 ft · 1984-02-28 | 62 km |
| USGS-360429087233602 | depth 28.4 ft · 1986-12-19 | 68 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 + 0.2×0.03 / 0.55
Banks & federal dollars #
$1.5 bn in deposits at 16 offices of 9 banks (SOD June 2026); HHI 1,835, highly concentrated. $472.2 m federal obligations in FY2026 (direct payments $465.6 m, grants $5.7 m), $20,501 per covered job
| Item | Value | Distance |
|---|---|---|
| The Farmers Bank | $439.1 m · 29.7% share · 6 offices | |
| Regions Bank | $273.8 m · 18.5% share · 2 offices | |
| Lawrence Bank | $263.9 m · 17.9% share · 2 offices | |
| Robertson, TN | $472.2 m FY2026 · $20,501/job | |
| MULTIPLE RECIPIENTS | $457.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Farmers Bank | $439,146,000 | 29.7% | 6 |
| Regions Bank | $273,758,000 | 18.5% | 2 |
| Lawrence Bank | $263,925,000 | 17.9% | 2 |
| United Community Bank | $164,768,000 | 11.2% | 1 |
| U.S. Bank National Association | $139,416,000 | 9.4% | 1 |
| Bank of America, National Association | $105,773,000 | 7.2% | 1 |
| Simmons Bank | $65,147,000 | 4.4% | 1 |
| Fifth Third Bank, National Association | $21,674,000 | 1.5% | 1 |
| JPMorgan Chase Bank, National Association | $2,682,000 | 0.2% | 1 |
Deposit concentration is 1,835 across 9 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 29.7² + 18.5² + 17.9² + … (6 more) = 1,835
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 | $368,169,205 |
| Department of Veterans Affairs | $87,081,092 |
| Department of Agriculture | $6,854,532 |
| Department of Housing and Urban Development | $4,395,640 |
| Railroad Retirement Board | $2,472,766 |
| Department of Transportation | $1,479,120 |
| Federal Communications Commission | $1,142,888 |
| Department of Health and Human Services | $647,750 |
| Small Business Administration | $0 |
That is $20,501 per covered job, against 23,035 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $472.2 m / 23,035 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,501
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 #
Robertson County, TN: 7 findings, 1 at a watch level and 6 noted
watchRobertson County, TN's covered employment is -0.2% 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 = -0.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteRobertson County, TN's average weekly wage was 2.5% 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
- +2.5 % = 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
noteRobertson County, TN's covered employment was 0.2% 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
- -0.2 % = 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
noteRobertson County, TN's years of wages of 6.6 ranks 7th of 95 Tennessee counties, against a median of 5.0.
Period 2026-08.Show the arithmetic
- 94 on the 0-to-100 scale across 95 Tennessee counties that published yearsOfWages
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
noteThe next Zillow ZHVI typical home value (monthly) covering Robertson 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
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.