Lewis County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.52, -87.50.
Assembled 2026-10-19. Read the brief.
- 54th pct · 1,392nd of 3,063 US counties · median $230,451
- 40th pct · 57th of 95 Tennessee counties · median $252,394
- 50th pct · 1,528th of 3,062 US counties · median +2.9%
- 51st pct · 47th of 95 Tennessee counties · median +2.9%
- US counties: not published this period
- Tennessee counties: not published this period
- 26th pct · 2,357th of 3,221 US counties · median 8,232
- 20th pct · 76th of 95 Tennessee counties · median 8,576
- 13th pct · 2,773rd of 3,221 US counties · median $1,039
- 11th pct · 84th of 95 Tennessee counties · median $1,030
- 71st pct · 862nd of 3,063 US counties · median 4.2
- 65th pct · 33rd 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 $243,690 (Sep 2026), +2.9% over one year, +27.7% over five
- 54th pct · 1,392nd of 3,063 US counties · median $230,451
- 40th pct · 57th of 95 Tennessee counties · median $252,394
| Item | Value | Distance |
|---|---|---|
| Lewis County, TN | $243,690 · +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 #
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 $1,350 a month on $243,690 at 7.40%, against an average weekly wage worth $3,753 a month: 36.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $243,690 × 80% = $194,952, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,350/mo principal and interest
- wage share = payment / (avg weekly wage $866 × 52 / 12 = $3,753) = 36% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $243,690 / ($866 × 52) = 5.4
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 #
3,277 jobs at 281 employers (2026 Q1); -0.6% jobs and +2.6% average weekly wage over the year
- 26th pct · 2,357th of 3,221 US counties · median 8,232
- 20th pct · 76th of 95 Tennessee counties · median 8,576
| Item | Value | Distance |
|---|---|---|
| Lewis County, TN | 3,277 jobs · $866/wk · -0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 721 | $854 | 2.26 | -5.6% |
| Manufacturing | 402 | $992 | 1.52 | -7.2% |
| Construction | 170 | $1,355 | 0.99 | +107.3% |
| Finance and insurance | 67 | $945 | 0.50 | -6.9% |
| Professional and technical services | 63 | $1,026 | 0.28 | +0.0% |
| Information | 58 | $1,081 | 0.96 | +1.8% |
| Other services | 56 | $563 | 0.57 | +16.7% |
| Transportation and warehousing | 43 | $1,484 | 0.31 | -8.5% |
| Real estate and rental | 36 | $750 | 0.72 | -14.3% |
| Unclassified | 2 | $497 | 0.29 | -50.0% |
| 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 #
D2 severe 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 #
high (0.50)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 / 0.35
Banks & federal dollars #
$306.4 m in deposits at 5 offices of 5 banks (SOD June 2026); HHI 2,089, highly concentrated. $82.5 m federal obligations in FY2026 (direct payments $79.9 m, grants $2.5 m), $25,161 per covered job
| Item | Value | Distance |
|---|---|---|
| Peoples Bank | $79.2 m · 25.9% share · 1 office | |
| Wayne County Bank | $71.2 m · 23.2% share · 1 office | |
| Regions Bank | $58.3 m · 19.0% share · 1 office | |
| Lewis, TN | $82.5 m FY2026 · $25,161/job | |
| MULTIPLE RECIPIENTS | $76.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Peoples Bank | $79,212,000 | 25.9% | 1 |
| Wayne County Bank | $71,210,000 | 23.2% | 1 |
| Regions Bank | $58,271,000 | 19.0% | 1 |
| Bank of Perry County | $55,902,000 | 18.2% | 1 |
| CB&S Bank, Inc. | $41,822,000 | 13.6% | 1 |
Deposit concentration is 2,089 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 = 25.9² + 23.2² + 19.0² + … (2 more) = 2,089
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 | $66,488,842 |
| Department of Veterans Affairs | $10,299,274 |
| Department of Health and Human Services | $1,469,454 |
| Department of Agriculture | $1,429,703 |
| Department of Education | $1,092,094 |
| Department of Housing and Urban Development | $770,067 |
| Department of Transportation | $507,067 |
| Federal Communications Commission | $266,086 |
| Railroad Retirement Board | $91,960 |
| Department of the Interior | $38,267 |
That is $25,161 per covered job, against 3,277 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $82.5 m / 3,277 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $25,161
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 #
Lewis County, TN: 6 findings, 1 at a watch level and 5 noted
watchLewis County, TN's covered employment is -0.6% 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 = -0.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteLewis 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
noteLewis County, TN's covered employment was 0.6% 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
- -0.6 % = 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
noteLewis County, TN's typical home value fell 0.5% from $244,970 in August 2026 to $243,690 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.5% = (243690.40086929212 - 244969.66886459876) / 244969.66886459876 × 100
- 243690.40086929212 = Zillow ZHVI, 2026-09
- 244969.66886459876 = Zillow ZHVI, 2026-08
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Lewis 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 6 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.