Stewart County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.46, -87.81.
Assembled 2026-10-06. Read the brief.
- 57th pct · 1,316th of 3,063 US counties · median $234,566
- 45th pct · 52nd of 95 Tennessee counties · median $259,021
- counties in the Clarksville metro: Rank context is unavailable: the manifest lists 4 counties in the Clarksville metro; fewer than 5 is too few to rank.
- 25th pct · 2,273rd of 3,063 US counties · median +2.9%
- 11th pct · 84th of 95 Tennessee counties · median +3.2%
- counties in the Clarksville metro: Rank context is unavailable: the manifest lists 4 counties in the Clarksville metro; fewer than 5 is too few to rank.
- US counties: not published this period
- Tennessee counties: not published this period
- counties in the Clarksville metro: Rank context is unavailable: the manifest lists 4 counties in the Clarksville metro; fewer than 5 is too few to rank.
- 22nd pct · 2,486th of 3,221 US counties · median 8,232
- 17th pct · 79th of 95 Tennessee counties · median 8,576
- counties in the Clarksville metro: Rank context is unavailable: the manifest lists 4 counties in the Clarksville metro; fewer than 5 is too few to rank.
- 78th pct · 707th of 3,221 US counties · median $1,039
- 84th pct · 16th of 95 Tennessee counties · median $1,030
- counties in the Clarksville metro: Rank context is unavailable: the manifest lists 4 counties in the Clarksville metro; fewer than 5 is too few to rank.
- 44th pct · 1,691st of 3,063 US counties · median 4.3
- 24th pct · 72nd of 95 Tennessee counties · median 5.0
- counties in the Clarksville metro: Rank context is unavailable: the manifest lists 4 counties in the Clarksville metro; fewer than 5 is too few to rank.
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 $254,650 (Aug 2026), +0.6% over one year, +21.7% over five
- 57th pct · 1,316th of 3,063 US counties · median $234,566
- 45th pct · 52nd of 95 Tennessee counties · median $259,021
- counties in the Clarksville metro: Rank context is unavailable: the manifest lists 4 counties in the Clarksville metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Stewart County, TN | $254,650 · +0.6% 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 #
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 Clarksville metro: Rank context is unavailable: the manifest lists 4 counties in the Clarksville metro; fewer than 5 is too few to rank.
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 $1,394 a month on $254,650 at 7.28%, against an average weekly wage worth $5,274 a month: 26.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $254,650 × 80% = $203,720, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,394/mo principal and interest
- wage share = payment / (avg weekly wage $1,217 × 52 / 12 = $5,274) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $254,650 / ($1,217 × 52) = 4.0
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 #
2,802 jobs at 255 employers (2026 Q1); -2.0% jobs and +3.3% average weekly wage over the year
- 22nd pct · 2,486th of 3,221 US counties · median 8,232
- 17th pct · 79th of 95 Tennessee counties · median 8,576
- counties in the Clarksville metro: Rank context is unavailable: the manifest lists 4 counties in the Clarksville metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Stewart County, TN | 2,802 jobs · $1,217/wk · -2.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 557 | $1,192 | 2.47 | -1.2% |
| Retail trade | 270 | $525 | 0.99 | -8.5% |
| Accommodation and food services | 210 | $288 | 0.83 | +5.5% |
| Other services | 53 | $723 | 0.63 | -10.2% |
| Administrative and waste services | 50 | $2,046 | 0.31 | -13.8% |
| Finance and insurance | 48 | $1,283 | 0.42 | +0.0% |
| Wholesale trade | 44 | $1,947 | 0.41 | -12.0% |
| Professional and technical services | 43 | $961 | 0.22 | +0.0% |
| Real estate and rental | 6 | $857 | 0.14 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Utilities | withheld | |||
| Construction | withheld |
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 #
37 gauges · 0 flooding · 3 with quality panels averaging 100 % · 13 stale
Sites found: 37, 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 |
|---|---|---|
| Cumberland River at Dover | no flooding | 4 km |
| YELLOW CREEK NEAR SHILOH, TN | flow 732.0 ft³/s · STALE | 27 km |
| YELLOW CREEK AT ELLIS MILLS, TN | flow 16.4 ft³/s | 28 km |
| PINEY FORK AT FORT CAMPBELL, KY-TN | flow 5.50 ft³/s · STALE | 32 km |
| LITTLE WEST FORK NEAR FORT CAMPBELL, KY-TN | flow 284.0 ft³/s · STALE | 35 km |
| Little River (KY) above Cadiz | no readings | 36 km |
| Cumberland River at Clarksville | no flooding | 41 km |
| TRACE CREEK AT U S HIGHWAY 70, AT WAVERLY, TN | stage 2.83 ft · STALE | 42 km |
| USGS-360553087352201 | temp 17.1 °C · quality 100 % (1) · STALE | 45 km |
| CLARKS RIVER AT MURRAY, KY | flow 14.0 ft³/s · STALE | 46 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 #
5 wells in 0 named aquifers:
Sites found: 5, 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-360553087352201 | depth 15.4 ft · 2024-08-01 | 45 km |
| USGS-360020087573300 | depth 85.7 ft · 1998-02-24 | 52 km |
| USGS-360429087233602 | depth 28.4 ft · 1986-12-19 | 57 km |
| USGS-360905087070201 | depth 44.6 ft · 2026-10-05 | 71 km |
| USGS-370109088134901 | depth 44.2 ft · 1983-09-13 | 73 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 + 0.2×0.00 / 0.55
Banks & federal dollars #
$311.2 m in deposits at 4 offices of 3 banks (SOD June 2026); HHI 4,119, highly concentrated. $138.7 m federal obligations in FY2026 (direct payments $129.7 m, contracts $8.1 m), $49,517 per covered job
| Item | Value | Distance |
|---|---|---|
| Lawrence Bank | $145.9 m · 46.9% share · 2 offices | |
| Regions Bank | $132.3 m · 42.5% share · 1 office | |
| Traditions First Bank | $32.9 m · 10.6% share · 1 office | |
| Stewart, TN | $138.7 m FY2026 · $49,517/job | |
| MULTIPLE RECIPIENTS | $128.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Lawrence Bank | $145,923,000 | 46.9% | 2 |
| Regions Bank | $132,315,000 | 42.5% | 1 |
| Traditions First Bank | $32,933,000 | 10.6% | 1 |
Deposit concentration is 4,119 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 = 46.9² + 42.5² + 10.6² = 4,119
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 | $82,703,838 |
| Department of Veterans Affairs | $46,035,713 |
| Department of Agriculture | $4,086,584 |
| Department of the Interior | $3,828,131 |
| Department of Defense | $1,090,256 |
| Department of Transportation | $395,647 |
| Department of Justice | $276,488 |
| Department of Education | $197,596 |
| Railroad Retirement Board | $152,745 |
| Department of Housing and Urban Development | $70,397 |
| Small Business Administration | -$14,352 |
| Federal Communications Commission | -$75,875 |
That is $49,517 per covered job, against 2,802 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $138.7 m / 2,802 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $49,517
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 #
Stewart County, TN: 5 findings, 1 at a watch level and 4 noted
watchStewart County, TN's covered employment is -2.0% 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 = -2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteStewart County, TN's average weekly wage was 3.3% 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
- +3.3 % = 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
noteStewart County, TN's covered employment was 2.0% 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
- -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
noteStewart County, TN's typical home value rose 0.5% from $253,477 in July 2026 to $254,650 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.5% = (254649.59345934328 - 253477.40946282505) / 253477.40946282505 × 100
- 254649.59345934328 = Zillow ZHVI, 2026-08
- 253477.40946282505 = Zillow ZHVI, 2026-07
noteThe next Zillow ZHVI typical home value (monthly) covering Stewart 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.