Cocke County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.92, -83.12.
Assembled 2026-10-19. Read the brief.
- 53rd pct · 1,429th of 3,063 US counties · median $230,451
- 34th pct · 63rd of 95 Tennessee counties · median $252,394
- 65th pct · 1,070th of 3,062 US counties · median +2.9%
- 67th pct · 32nd of 95 Tennessee counties · median +2.9%
- US counties: not published this period
- Tennessee counties: not published this period
- 47th pct · 1,705th of 3,221 US counties · median 8,232
- 43rd pct · 54th of 95 Tennessee counties · median 8,576
- 24th pct · 2,418th of 3,221 US counties · median $1,039
- 26th pct · 70th of 95 Tennessee counties · median $1,030
- 65th pct · 1,046th of 3,063 US counties · median 4.2
- 54th pct · 44th 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 $241,556 (Sep 2026), +4.1% over one year, +26.5% over five
- 53rd pct · 1,429th of 3,063 US counties · median $230,451
- 34th pct · 63rd of 95 Tennessee counties · median $252,394
| Item | Value | Distance |
|---|---|---|
| Cocke County, TN | $241,556 · +4.1% 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 $1,338 a month on $241,556 at 7.40%, against an average weekly wage worth $4,021 a month: 33.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $241,556 × 80% = $193,245, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,338/mo principal and interest
- wage share = payment / (avg weekly wage $928 × 52 / 12 = $4,021) = 33% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $241,556 / ($928 × 52) = 5.0
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 #
7,334 jobs at 566 employers (2026 Q1); -1.3% jobs and +5.3% average weekly wage over the year
- 47th pct · 1,705th of 3,221 US counties · median 8,232
- 43rd pct · 54th of 95 Tennessee counties · median 8,576
| Item | Value | Distance |
|---|---|---|
| Cocke County, TN | 7,334 jobs · $928/wk · -1.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,451 | $610 | 2.03 | +2.1% |
| Manufacturing | 1,056 | $1,228 | 1.79 | -2.8% |
| Accommodation and food services | 921 | $405 | 1.40 | -3.6% |
| Construction | 195 | $923 | 0.51 | -19.1% |
| Finance and insurance | 144 | $1,754 | 0.48 | -2.0% |
| Other services | 132 | $803 | 0.60 | +22.2% |
| Wholesale trade | 120 | $2,704 | 0.43 | +4.3% |
| Administrative and waste services | 112 | $782 | 0.27 | +1.8% |
| Arts, entertainment and recreation | 65 | $372 | 0.54 | +109.7% |
| Real estate and rental | 46 | $1,222 | 0.41 | -16.4% |
| Information | 23 | $688 | 0.17 | +0.0% |
| Unclassified | 3 | $1,040 | 0.19 | +0.0% |
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 #
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 |
|---|---|---|
| LAKE LOGAN AT DAM NEAR HAZELWOOD, NC | 52.9 ft (USGS, no capacity on file) | 58 km |
| LAKE WILLIAM C. BOWEN NEAR FINGERVILLE, SC | 815.1 ft (USGS, no capacity on file) | 132 km |
| LAKE BLALOCK NEAR COWPENS, SC | 710.1 ft (USGS, no capacity on file) | 149 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 #
111 gauges · 0 flooding · 14 with quality panels averaging 100 % · 28 stale
Sites found: 111, 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 |
|---|---|---|
| PIGEON RIVER AT NEWPORT, TN | flow 1,160 ft³/s · no flooding | 7 km |
| FRENCH BROAD RIVER NEAR NEWPORT, TN | flow 1,240 ft³/s · no flooding | 8 km |
| PIGEON R BL POWER PLANT NR WATERVILLE, NC | flow 142.0 ft³/s | 15 km |
| NOLICHUCKY RIVER NEAR LOWLAND | flow 949.0 ft³/s | 24 km |
| Web Creek at Branam Hollow Rd | no readings | 25 km |
| East Fork Little Pigeon River 3SSE Fair Garden (Oma Lee) | no flooding | 26 km |
| FRENCH BROAD RIVER AT HOT SPRINGS, NC | flow 1,140 ft³/s · no flooding | 27 km |
| CATALOOCHEE CREEK NEAR CATALOOCHEE, NC | flow 42.0 ft³/s · quality 100 % (1) | 28 km |
| NOLICHUCKY RIVER BELOW NOLICHUCKY DAM, TN | flow 873.0 ft³/s | 28 km |
| Little Pigeon River at Richardson Cove (Maples Branch) | no flooding | 31 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 #
3 wells in 0 named aquifers:
Sites found: 3, 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-353922083345600 | depth 9.17 ft · 2026-10-18 | 51 km |
| USGS-352519083272401 | depth 5.05 ft · 2009-10-06 | 56 km |
| USGS-352315082484401 | depth 5.91 ft · 2024-09-22 | 65 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 #
$793.0 m in deposits at 8 offices of 5 banks (SOD June 2026); HHI 2,415, highly concentrated. $335.2 m federal obligations in FY2026 (direct payments $286.7 m, grants $48.3 m), $45,705 per covered job
| Item | Value | Distance |
|---|---|---|
| Newport Federal Bank | $250.5 m · 31.6% share · 2 offices | |
| Commercial Bank | $209.2 m · 26.4% share · 2 offices | |
| U.S. Bank National Association | $185.0 m · 23.3% share · 1 office | |
| Cocke, TN | $335.2 m FY2026 · $45,705/job | |
| MULTIPLE RECIPIENTS | $278.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Newport Federal Bank | $250,512,000 | 31.6% | 2 |
| Commercial Bank | $209,156,000 | 26.4% | 2 |
| U.S. Bank National Association | $185,015,000 | 23.3% | 1 |
| Tennessee State Bank | $81,554,000 | 10.3% | 2 |
| First Horizon Bank | $66,734,000 | 8.4% | 1 |
Deposit concentration is 2,415 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 = 31.6² + 26.4² + 23.3² + … (2 more) = 2,415
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 | $238,674,451 |
| Department of Transportation | $40,679,603 |
| Department of Veterans Affairs | $37,088,420 |
| Department of Agriculture | $5,540,897 |
| Department of Housing and Urban Development | $5,006,572 |
| Department of Health and Human Services | $2,876,964 |
| Federal Communications Commission | $2,449,413 |
| Railroad Retirement Board | $2,374,537 |
| Appalachian Regional Commission | $500,000 |
| Small Business Administration | $21,379 |
| Department of State | -$1 |
| Department of Homeland Security | -$14,000 |
That is $45,705 per covered job, against 7,334 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $335.2 m / 7,334 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $45,705
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 #
Cocke County, TN: 5 findings, 1 at a watch level and 4 noted
watchCocke County, TN's covered employment is -1.3% 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 = -1.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteCocke County, TN's average weekly wage was 5.3% 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
- +5.3 % = 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
noteCocke County, TN's covered employment was 1.3% 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
- -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
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Cocke 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
noteThe next Zillow ZHVI typical home value (monthly) covering Cocke County, TN is due between 2026-11-14 and 2026-11-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-11-14 to 2026-11-21, 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.