Sequatchie County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.37, -85.41.
Assembled 2026-10-06. Read the brief.
- 66th pct · 1,039th of 3,063 US counties · median $234,566
- 62nd pct · 36th of 95 Tennessee counties · median $259,021
- 60th pct · 3rd of 6 counties in the Chattanooga metro · median $273,795
- 53rd pct · 1,423rd of 3,063 US counties · median +2.9%
- 51st pct · 47th of 95 Tennessee counties · median +3.2%
- 100th pct · 1st of 6 counties in the Chattanooga metro · median +1.3%
- US counties: not published this period
- Tennessee counties: not published this period
- counties in the Chattanooga metro: not published this period
- 28th pct · 2,295th of 3,221 US counties · median 8,232
- 21st pct · 75th of 95 Tennessee counties · median 8,576
- 0th pct · 6th of 6 counties in the Chattanooga metro · median 11,575
- 11th pct · 2,856th of 3,221 US counties · median $1,039
- 9th pct · 86th of 95 Tennessee counties · median $1,030
- 0th pct · 6th of 6 counties in the Chattanooga metro · median $915
- 83rd pct · 496th of 3,063 US counties · median 4.3
- 91st pct · 9th of 95 Tennessee counties · median 5.0
- 100th pct · 1st of 6 counties in the Chattanooga metro · median 5.3
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 $286,476 (Aug 2026), +3.3% over one year, +27.6% over five
- 66th pct · 1,039th of 3,063 US counties · median $234,566
- 62nd pct · 36th of 95 Tennessee counties · median $259,021
- 60th pct · 3rd of 6 counties in the Chattanooga metro · median $273,795
| Item | Value | Distance |
|---|---|---|
| Sequatchie County, TN | $286,476 · +3.3% 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
- counties in the Chattanooga metro: 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 $1,568 a month on $286,476 at 7.28%, against an average weekly wage worth $3,675 a month: 42.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $286,476 × 80% = $229,181, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,568/mo principal and interest
- wage share = payment / (avg weekly wage $848 × 52 / 12 = $3,675) = 43% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $286,476 / ($848 × 52) = 6.5
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 #
3,574 jobs at 304 employers (2026 Q1); +0.1% jobs and +5.0% average weekly wage over the year
- 28th pct · 2,295th of 3,221 US counties · median 8,232
- 21st pct · 75th of 95 Tennessee counties · median 8,576
- 0th pct · 6th of 6 counties in the Chattanooga metro · median 11,575
| Item | Value | Distance |
|---|---|---|
| Sequatchie County, TN | 3,574 jobs · $848/wk · +0.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 563 | $1,116 | 1.96 | -5.7% |
| Retail trade | 484 | $633 | 1.39 | +3.0% |
| Accommodation and food services | 382 | $347 | 1.19 | +0.3% |
| Finance and insurance | 254 | $1,185 | 1.74 | +1.6% |
| Administrative and waste services | 164 | $1,090 | 0.81 | -3.5% |
| Wholesale trade | 98 | $873 | 0.72 | +25.6% |
| Professional and technical services | 92 | $1,200 | 0.37 | -5.2% |
| Other services | 65 | $595 | 0.61 | +25.0% |
| Construction | 54 | $884 | 0.29 | +10.2% |
| Real estate and rental | 35 | $856 | 0.64 | +34.6% |
| Arts, entertainment and recreation | 12 | $924 | 0.20 | +0.0% |
| Information | 8 | $2,423 | 0.12 | -27.3% |
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 #
3 USGS reservoir gauges, no capacity figures to weight
Sites found: 3, 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.
| Site | Reading | Distance |
|---|---|---|
| CARTERS LAKE NEAR CARTERS, GA | 1,072 ft (USGS, no capacity on file) | 108 km |
| CARTERS RE-REGULATION LAKE NEAR CARTERS, GA | 36.5 ft (USGS, no capacity on file) | 108 km |
| ALLATOONA LAKE NEAR CARTERSVILLE, GA | 835.9 ft (USGS, no capacity on file) | 148 km |
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 #
46 gauges · 0 flooding · 0 with quality panels · 14 stale
Sites found: 46, 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-03570835 | flow 237.0 ft³/s · STALE | 4 km |
| USGS-03571000 | flow 81.8 ft³/s · no flooding | 20 km |
| USGS-03566525 | flow 12.1 ft³/s · STALE | 22 km |
| USGS-0356653019 | flow 0.00 ft³/s · STALE | 25 km |
| North Chickamauga Creek at Mile Straight | no flooding | 25 km |
| USGS-03569190 | flow 0.23 ft³/s · no flooding | 30 km |
| USGS-03568000 | flow 12,000 ft³/s · STALE | 34 km |
| Tennessee River below Chickamauga Dam Tailwater | no readings | 34 km |
| Tennessee River at Chickamauga Dam | no readings | 34 km |
| Tennessee River at Chattanooga | no flooding | 36 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 #
30 wells in 0 named aquifers:
Sites found: 30, 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-351248085131601 | depth 22.1 ft · 2026-10-05 | 25 km |
| USGS-351146085122701 | depth 69.8 ft · 2026-10-05 | 27 km |
| USGS-351249085110101 | depth 99.8 ft · 2011-06-01 | 27 km |
| USGS-350234085181200 | depth 16.5 ft · 1998-10-26 | 38 km |
| USGS-351115085025001 | depth 12.7 ft · 2026-10-05 | 39 km |
| USGS-351428085003600 | depth 22.7 ft · 2026-10-05 | 39 km |
| USGS-350750085045802 | depth 9.53 ft · 2026-10-05 | 40 km |
| USGS-345848085173701 | depth 70.7 ft · 1981-06-27 | 45 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 (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$431.6 m in deposits at 6 offices of 3 banks (SOD June 2026); HHI 5,113, highly concentrated. $146.8 m federal obligations in FY2026 (direct payments $139.6 m, grants $7.1 m), $41,074 per covered job
| Item | Value | Distance |
|---|---|---|
| Citizens Tri-County Bank | $274.3 m · 63.6% share · 3 offices | |
| Mountain Valley Bank | $140.4 m · 32.5% share · 2 offices | |
| First Farmers & Commercial Bank | $16.9 m · 3.9% share · 1 office | |
| Sequatchie, TN | $146.8 m FY2026 · $41,074/job | |
| MULTIPLE RECIPIENTS | $139.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Citizens Tri-County Bank | $274,332,000 | 63.6% | 3 |
| Mountain Valley Bank | $140,367,000 | 32.5% | 2 |
| First Farmers & Commercial Bank | $16,921,000 | 3.9% | 1 |
Deposit concentration is 5,113 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 63.6² + 32.5² + 3.9² = 5,113
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 | $112,044,614 |
| Department of Veterans Affairs | $26,653,601 |
| Department of Transportation | $7,267,911 |
| Railroad Retirement Board | $820,284 |
| Federal Communications Commission | $10,951 |
| Department of Agriculture | $2,162 |
That is $41,074 per covered job, against 3,574 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $146.8 m / 3,574 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $41,074
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 | -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 #
Sequatchie County, TN: 10 findings, 10 noted
noteSequatchie County, TN's average weekly wage was 5.0% 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
- +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
noteSequatchie 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
noteSequatchie County, TN's typical home value of +3.3% ranks 1st of 6 counties in the Chattanooga metro, against a median of +1.3%.
Period 2026-08.Show the arithmetic
- 100 on the 0-to-100 scale across 6 counties in the Chattanooga metro that published home.yoyPct
position among the entities that published this metric this period; not an official level
noteSequatchie County, TN's average weekly wage of $848 ranks 6th of 6 counties in the Chattanooga metro, against a median of $915.
Period 2026 Q1.Show the arithmetic
- 0 on the 0-to-100 scale across 6 counties in the Chattanooga metro that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
noteSequatchie County, TN's covered employment of 3,574 ranks 6th of 6 counties in the Chattanooga metro, against a median of 11,575.
Period 2026 Q1.Show the arithmetic
- 0 on the 0-to-100 scale across 6 counties in the Chattanooga metro that published jobs.emp
position among the entities that published this metric this period; not an official level
Read all 10 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.