White County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.93, -85.46.
Assembled 2026-10-06. Read the brief.
- 65th pct · 1,068th of 3,063 US counties · median $234,566
- 61st pct · 37th of 95 Tennessee counties · median $259,021
- 84th pct · 478th of 3,063 US counties · median +2.9%
- 84th pct · 16th of 95 Tennessee counties · median +3.2%
- US counties: not published this period
- Tennessee counties: not published this period
- 46th pct · 1,714th of 3,221 US counties · median 8,232
- 42nd pct · 55th of 95 Tennessee counties · median 8,576
- 22nd pct · 2,507th of 3,221 US counties · median $1,039
- 20th pct · 75th of 95 Tennessee counties · median $1,030
- 78th pct · 668th of 3,063 US counties · median 4.3
- 77th pct · 22nd 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 $282,596 (Aug 2026), +6.7% over one year, +32.8% over five
- 65th pct · 1,068th of 3,063 US counties · median $234,566
- 61st pct · 37th of 95 Tennessee counties · median $259,021
| Item | Value | Distance |
|---|---|---|
| White County, TN | $282,596 · +6.7% 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 $1,547 a month on $282,596 at 7.28%, against an average weekly wage worth $3,965 a month: 39.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $282,596 × 80% = $226,077, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,547/mo principal and interest
- wage share = payment / (avg weekly wage $915 × 52 / 12 = $3,965) = 39% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $282,596 / ($915 × 52) = 5.9
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 #
7,263 jobs at 574 employers (2026 Q1); +1.6% jobs and +5.5% average weekly wage over the year
- 46th pct · 1,714th of 3,221 US counties · median 8,232
- 42nd pct · 55th of 95 Tennessee counties · median 8,576
| Item | Value | Distance |
|---|---|---|
| White County, TN | 7,263 jobs · $915/wk · +1.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,776 | $1,106 | 3.04 | -3.4% |
| Retail trade | 969 | $658 | 1.37 | +1.5% |
| Transportation and warehousing | 402 | $1,032 | 1.31 | +1.0% |
| Administrative and waste services | 315 | $640 | 0.76 | -18.8% |
| Construction | 229 | $888 | 0.60 | -4.6% |
| Finance and insurance | 132 | $1,235 | 0.45 | -2.9% |
| Other services | 89 | $878 | 0.41 | +12.7% |
| Information | 47 | $1,241 | 0.35 | -4.1% |
| Real estate and rental | 24 | $943 | 0.22 | -25.0% |
| Unclassified | 1 | $1,182 | 0.06 | +100.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | 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 #
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 #
32 gauges · 0 flooding · 6 with quality panels averaging 97 % · 11 stale
Sites found: 32, 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 16.2 ft³/s · quality 80 % (5) | 69 km |
| CALFKILLER RIVER AT HWY 70 AT SPARTA, TN | flow 25.7 ft³/s | 1 km |
| TAYLOR CREEK NEAR CASSVILLE, TN | flow 4.10 ft³/s · STALE | 16 km |
| FALLING WATER RIVER NEAR COOKEVILLE, TN | flow 19.4 ft³/s | 18 km |
| FALLING WATER RIVER BELOW BURGESS FALLS DAM, TN | flow 23.0 ft³/s · STALE | 18 km |
| Big Spring near Clifty, TN | stage 1.09 ft | 19 km |
| CANEY FORK NEAR ROCK ISLAND, TN | flow 372.0 ft³/s · STALE | 21 km |
| COLLINS RIVER NEAR MCMINNVILLE, TN | flow 83.4 ft³/s | 35 km |
| BASSES CREEK AT LAKE TANSI NR CROSSVILLE,TN | flow 1.21 ft³/s | 37 km |
| SMITH FORK AT TEMPERANCE HALL, TN | flow 10.5 ft³/s | 44 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 #
1 wells in 0 named aquifers:
Sites found: 1, 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 | 30 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 #
$643.8 m in deposits at 6 offices of 5 banks (SOD June 2026); HHI 2,236, highly concentrated. $217.9 m federal obligations in FY2026 (direct payments $205.7 m, grants $12.1 m), $30,005 per covered job
| Item | Value | Distance |
|---|---|---|
| Citizens Bank | $201.9 m · 31.4% share · 2 offices | |
| U.S. Bank National Association | $149.5 m · 23.2% share · 1 office | |
| First National Bank of Tennessee | $122.0 m · 19.0% share · 1 office | |
| White, TN | $217.9 m FY2026 · $30,005/job | |
| MULTIPLE RECIPIENTS | $205.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Citizens Bank | $201,909,000 | 31.4% | 2 |
| U.S. Bank National Association | $149,540,000 | 23.2% | 1 |
| First National Bank of Tennessee | $122,025,000 | 19.0% | 1 |
| One Bank of Tennessee | $93,254,000 | 14.5% | 1 |
| First Horizon Bank | $77,044,000 | 12.0% | 1 |
Deposit concentration is 2,236 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 = 31.4² + 23.2² + 19.0² + … (2 more) = 2,236
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 | $176,009,314 |
| Department of Veterans Affairs | $35,943,948 |
| Department of Transportation | $4,028,357 |
| Department of Housing and Urban Development | $878,036 |
| Railroad Retirement Board | $447,866 |
| Department of Agriculture | $371,635 |
| Department of Health and Human Services | $187,569 |
| Department of Justice | $31,800 |
| Department of Defense | $26,680 |
| Small Business Administration | $0 |
That is $30,005 per covered job, against 7,263 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $217.9 m / 7,263 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $30,005
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 #
White County, TN: 5 findings, 5 noted
noteWhite County, TN's average weekly wage was 5.5% 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
- +5.5 % = 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
noteWhite County, TN's covered employment was 1.6% 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
- +1.6 % = 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
noteWhite County, TN's momentum index of 0.69 ranks 206th of 3,221 US counties, against a median of 0.23.
Period 2026-08.Show the arithmetic
- 94 on the 0-to-100 scale across 3221 US counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
noteWhite County, TN's momentum index of 0.69 ranks 7th of 95 Tennessee counties, against a median of 0.19.
Period 2026-08.Show the arithmetic
- 94 on the 0-to-100 scale across 95 Tennessee counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
noteThe next Zillow ZHVI typical home value (monthly) covering White 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.