Sumner County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.47, -86.46.
Assembled 2026-10-19. Read the brief.
- 89th pct · 309th of 3,063 US counties · median $230,451
- 96th pct · 4th of 95 Tennessee counties · median $252,394
- 84th pct · 3rd of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median $382,059
- 26th pct · 2,262nd of 3,062 US counties · median +2.9%
- 12th pct · 83rd of 95 Tennessee counties · median +2.9%
- 23rd pct · 11th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median +1.8%
- 65th pct · 471st of 1,358 US counties · median $1,506
- 71st pct · 14th of 46 Tennessee counties · median $1,477
- 25th pct · 7th of 9 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median $1,715
- 86th pct · 426th of 3,221 US counties · median 8,232
- 90th pct · 10th of 95 Tennessee counties · median 8,576
- 69th pct · 5th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median 20,943
- 73rd pct · 842nd of 3,221 US counties · median $1,039
- 79th pct · 20th of 95 Tennessee counties · median $1,030
- 46th pct · 8th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median $1,207
- 90th pct · 307th of 3,063 US counties · median 4.2
- 96th pct · 4th of 95 Tennessee counties · median 5.0
- 92nd pct · 2nd of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median 6.1
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 $441,082 (Sep 2026), +0.6% over one year, +18.2% over five
- 89th pct · 309th of 3,063 US counties · median $230,451
- 96th pct · 4th of 95 Tennessee counties · median $252,394
- 84th pct · 3rd of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median $382,059
| Item | Value | Distance |
|---|---|---|
| Sumner County, TN | $441,082 · +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 #
Typical rent $1,700/mo (Sep 2026), +1.2% over one year; price-to-rent 21.6
- 65th pct · 471st of 1,358 US counties · median $1,506
- 71st pct · 14th of 46 Tennessee counties · median $1,477
- 25th pct · 7th of 9 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median $1,715
| Item | Value | Distance |
|---|---|---|
| Sumner County, TN | $1,700/mo · +1.2% 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 $2,443 a month on $441,082 at 7.40%, against an average weekly wage worth $5,109 a month: 47.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $441,082 × 80% = $352,866, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,443/mo principal and interest
- wage share = payment / (avg weekly wage $1,179 × 52 / 12 = $5,109) = 48% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $441,082 / ($1,179 × 52) = 7.2
- price-to-rent = $441,082 / ($1,700 × 12) = 21.6
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 #
63,476 jobs at 5,340 employers (2026 Q1); +1.3% jobs and +2.1% average weekly wage over the year
- 86th pct · 426th of 3,221 US counties · median 8,232
- 90th pct · 10th of 95 Tennessee counties · median 8,576
- 69th pct · 5th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median 20,943
| Item | Value | Distance |
|---|---|---|
| Sumner County, TN | 63,476 jobs · $1,179/wk · +1.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 8,364 | $1,191 | 0.88 | +3.6% |
| Accommodation and food services | 7,805 | $493 | 1.37 | +4.1% |
| Retail trade | 7,511 | $754 | 1.21 | -0.8% |
| Manufacturing | 7,183 | $1,488 | 1.41 | -4.9% |
| Construction | 4,644 | $1,437 | 1.40 | +10.5% |
| Administrative and waste services | 3,432 | $1,099 | 0.95 | +5.6% |
| Professional and technical services | 3,193 | $1,587 | 0.73 | -6.0% |
| Transportation and warehousing | 2,296 | $1,175 | 0.86 | -9.9% |
| Finance and insurance | 2,063 | $2,225 | 0.80 | -1.1% |
| Other services | 1,678 | $1,034 | 0.88 | -8.2% |
| Arts, entertainment and recreation | 1,220 | $541 | 1.17 | +24.9% |
| Real estate and rental | 944 | $1,980 | 0.97 | +9.9% |
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 #
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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$5.6 bn in deposits at 54 offices of 23 banks (SOD June 2026); HHI 815, unconcentrated. $1.2 bn federal obligations in FY2026 (direct payments $1.2 bn, contracts $11.2 m), $19,196 per covered job
| Item | Value | Distance |
|---|---|---|
| Lawrence Bank | $796.8 m · 14.2% share · 7 offices | |
| First Horizon Bank | $789.7 m · 14.1% share · 4 offices | |
| Regions Bank | $567.1 m · 10.1% share · 4 offices | |
| Sumner, TN | $1.2 bn FY2026 · $19,196/job | |
| MULTIPLE RECIPIENTS | $1.2 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Lawrence Bank | $796,827,000 | 14.2% | 7 |
| First Horizon Bank | $789,659,000 | 14.1% | 4 |
| Regions Bank | $567,095,000 | 10.1% | 4 |
| Pinnacle Bank | $533,122,000 | 9.5% | 2 |
| Wilson Bank and Trust | $443,993,000 | 7.9% | 3 |
| The Farmers Bank | $360,843,000 | 6.5% | 4 |
| Edmonton State Bank | $254,875,000 | 4.6% | 3 |
| Bank of America, National Association | $244,291,000 | 4.4% | 2 |
| U.S. Bank National Association | $225,478,000 | 4.0% | 3 |
| Fifth Third Bank, National Association | $194,741,000 | 3.5% | 3 |
Deposit concentration is 815 across 23 banks, which the 1995 Department of Justice bank merger screen calls unconcentrated.
HHI = Σ (share %)² over 23 banks with deposits in the county = 14.2² + 14.1² + 10.1² + … (20 more) = 815
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 | $1,028,533,586 |
| Department of Veterans Affairs | $144,919,887 |
| Department of Education | $17,371,099 |
| Department of Defense | $9,872,429 |
| Department of Housing and Urban Development | $5,666,838 |
| Railroad Retirement Board | $4,111,857 |
| Department of Health and Human Services | $3,282,763 |
| Federal Communications Commission | $3,156,495 |
| Department of Agriculture | $2,371,415 |
| Department of Justice | $432,366 |
| Department of the Interior | $97,500 |
| Department of State | $17,642 |
That is $19,196 per covered job, against 63,476 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.2 bn / 63,476 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,196
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 | 17.95 | 2026-10-18 | -2.6% |
| 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 | 2026-10-19 | +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 | 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 | 1,275.00 | 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 | 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 #
Sumner County, TN: 10 findings, 1 at a watch level and 9 noted
watchSumner County, TN's years of wages of 7.2 ranks 307th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-09.Show the arithmetic
- test: yearsOfWages percentile = 90.00653167864141 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
noteSumner County, TN's average weekly wage was 2.1% 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
- +2.1 % = 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
noteSumner County, TN's covered employment was 1.3% 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
- +1.3 % = 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
noteSumner County, TN's typical asking rent fell 0.5% from $1,708 in August 2026 to $1,700 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- -0.5% = (1699.8437626262628 - 1708.3309924220594) / 1708.3309924220594 × 100
- 1699.8437626262628 = Zillow ZORI, 2026-09
- 1708.3309924220594 = Zillow ZORI, 2026-08
noteSumner County, TN's typical home value of $441,082 ranks 4th of 95 Tennessee counties, against a median of $252,394.
Period 2026-09.Show the arithmetic
- 97 on the 0-to-100 scale across 95 Tennessee counties that published home.latest
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.