Hamblen County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.22, -83.27.
Assembled 2026-10-20. Read the brief.
- 62nd pct · 1,146th of 3,063 US counties · median $230,451
- 59th pct · 39th of 95 Tennessee counties · median $252,394
- counties in the Morristown metro: Rank context is unavailable: the manifest lists 2 counties in the Morristown metro; fewer than 5 is too few to rank.
- 50th pct · 1,526th of 3,062 US counties · median +2.9%
- 52nd pct · 46th of 95 Tennessee counties · median +2.9%
- counties in the Morristown metro: Rank context is unavailable: the manifest lists 2 counties in the Morristown metro; fewer than 5 is too few to rank.
- 44th pct · 748th of 1,358 US counties · median $1,506
- 48th pct · 24th of 46 Tennessee counties · median $1,477
- counties in the Morristown metro: Rank context is unavailable: the manifest lists 2 counties in the Morristown metro; fewer than 5 is too few to rank.
- 78th pct · 684th of 3,221 US counties · median 8,232
- 80th pct · 19th of 95 Tennessee counties · median 8,576
- counties in the Morristown metro: Rank context is unavailable: the manifest lists 2 counties in the Morristown metro; fewer than 5 is too few to rank.
- 44th pct · 1,774th of 3,221 US counties · median $1,039
- 44th pct · 53rd of 95 Tennessee counties · median $1,030
- counties in the Morristown metro: Rank context is unavailable: the manifest lists 2 counties in the Morristown metro; fewer than 5 is too few to rank.
- 66th pct · 1,016th of 3,063 US counties · median 4.2
- 57th pct · 41st of 95 Tennessee counties · median 5.0
- counties in the Morristown metro: Rank context is unavailable: the manifest lists 2 counties in the Morristown 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 $269,584 (Sep 2026), +2.9% over one year, +35.1% over five
- 62nd pct · 1,146th of 3,063 US counties · median $230,451
- 59th pct · 39th of 95 Tennessee counties · median $252,394
- counties in the Morristown metro: Rank context is unavailable: the manifest lists 2 counties in the Morristown metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Hamblen County, TN | $269,584 · +2.9% 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 $1,447/mo (Sep 2026), +3.3% over one year; price-to-rent 15.5
- 44th pct · 748th of 1,358 US counties · median $1,506
- 48th pct · 24th of 46 Tennessee counties · median $1,477
- counties in the Morristown metro: Rank context is unavailable: the manifest lists 2 counties in the Morristown metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Hamblen County, TN | $1,447/mo · +3.3% 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 $1,493 a month on $269,584 at 7.40%, against an average weekly wage worth $4,407 a month: 33.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $269,584 × 80% = $215,667, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,493/mo principal and interest
- wage share = payment / (avg weekly wage $1,017 × 52 / 12 = $4,407) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $269,584 / ($1,017 × 52) = 5.1
- price-to-rent = $269,584 / ($1,447 × 12) = 15.5
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 #
33,284 jobs at 1,588 employers (2026 Q1); +0.3% jobs and +2.6% average weekly wage over the year
- 78th pct · 684th of 3,221 US counties · median 8,232
- 80th pct · 19th of 95 Tennessee counties · median 8,576
- counties in the Morristown metro: Rank context is unavailable: the manifest lists 2 counties in the Morristown metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Hamblen County, TN | 33,284 jobs · $1,017/wk · +0.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 9,787 | $1,263 | 3.66 | -1.4% |
| Retail trade | 4,216 | $698 | 1.30 | +1.2% |
| Health care and social assistance | 3,793 | $1,047 | 0.76 | -0.3% |
| Accommodation and food services | 2,866 | $449 | 0.96 | +2.0% |
| Administrative and waste services | 2,268 | $765 | 1.20 | -5.1% |
| Construction | 1,524 | $1,143 | 0.87 | +12.0% |
| Wholesale trade | 1,087 | $1,427 | 0.85 | -2.5% |
| Other services | 593 | $822 | 0.60 | +6.3% |
| Professional and technical services | 544 | $1,109 | 0.24 | +16.2% |
| Finance and insurance | 420 | $1,425 | 0.31 | +1.7% |
| Real estate and rental | 322 | $901 | 0.63 | +19.7% |
| Information | 169 | $1,218 | 0.28 | -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 #
No drought class at this point (USDM covers the United States only)
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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$1.4 bn in deposits at 14 offices of 10 banks (SOD June 2026); HHI 1,814, highly concentrated. $434.3 m federal obligations in FY2026 (direct payments $425.9 m, grants $7.3 m), $13,047 per covered job
| Item | Value | Distance |
|---|---|---|
| First Horizon Bank | $396.0 m · 28.4% share · 2 offices | |
| HomeTrust Bank | $311.6 m · 22.4% share · 2 offices | |
| Truist Bank | $226.4 m · 16.2% share · 2 offices | |
| Hamblen, TN | $434.3 m FY2026 · $13,047/job | |
| MULTIPLE RECIPIENTS | $405.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Horizon Bank | $395,972,000 | 28.4% | 2 |
| HomeTrust Bank | $311,608,000 | 22.4% | 2 |
| Truist Bank | $226,382,000 | 16.2% | 2 |
| Regions Bank | $157,574,000 | 11.3% | 1 |
| Andrew Johnson Bank | $123,675,000 | 8.9% | 1 |
| Commercial Bank | $54,860,000 | 3.9% | 2 |
| Citizens National Bank | $47,795,000 | 3.4% | 1 |
| U.S. Bank National Association | $26,224,000 | 1.9% | 1 |
| First Peoples Bank of Tennessee | $25,910,000 | 1.9% | 1 |
| The First Bank and Trust Company | $23,932,000 | 1.7% | 1 |
Deposit concentration is 1,814 across 10 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 28.4² + 22.4² + 16.2² + … (7 more) = 1,814
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 | $348,949,824 |
| Department of Veterans Affairs | $54,183,889 |
| Department of Education | $13,700,484 |
| Department of Housing and Urban Development | $8,006,700 |
| Department of Transportation | $3,000,245 |
| Department of Agriculture | $2,556,741 |
| Railroad Retirement Board | $2,193,474 |
| Federal Communications Commission | $1,357,922 |
| Department of Commerce | $519,042 |
| Department of Defense | $338,419 |
| General Services Administration | $33,768 |
| Department of Homeland Security | $3,755 |
That is $13,047 per covered job, against 33,284 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $434.3 m / 33,284 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $13,047
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 | 17.40 | 2026-10-19 | -3.1% |
| 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 · % | 72.20 | 2026-10-20 | +0.0% |
| Laredo truck crossings, monthly · trucks | 255,129.00 | 2026-09-01 | -1.4% |
| 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 | 7.00 | 2026-10-13 | +133.3% |
| 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 | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| Housing starts, annual rate · thousands of units | 1,221.00 | 2026-09-01 | -5.2% |
| Building permits, annual rate · thousands of units | 1,400.00 | 2026-09-01 | -0.2% |
| 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 | 652,115.00 | 2026-09-01 | +0.7% |
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 #
Hamblen County, TN: 7 findings, 7 noted
noteHamblen County, TN's average weekly wage was 2.6% 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
- +2.6 % = 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
noteHamblen County, TN's typical asking rent rose 1.0% from $1,433 in August 2026 to $1,447 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +1.0% = (1446.8055555555557 - 1433.1050790322793) / 1433.1050790322793 × 100
- 1446.8055555555557 = Zillow ZORI, 2026-09
- 1433.1050790322793 = Zillow ZORI, 2026-08
noteHamblen County, TN's typical home value fell 0.6% from $271,098 in August 2026 to $269,584 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.6% = (269583.8629535267 - 271097.71455699764) / 271097.71455699764 × 100
- 269583.8629535267 = Zillow ZHVI, 2026-09
- 271097.71455699764 = Zillow ZHVI, 2026-08
noteHamblen County, TN's covered employment was 0.3% 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
- +0.3 % = 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
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Hamblen County, TN is due between 2026-10-30 and 2026-11-13, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-30 to 2026-11-13, 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.