McNairy County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.18, -88.56.
Assembled 2026-10-20. Read the brief.
- 26th pct · 2,256th of 3,063 US counties · median $230,451
- 6th pct · 89th of 95 Tennessee counties · median $252,394
- 78th pct · 653rd of 3,062 US counties · median +2.9%
- 76th pct · 23rd of 95 Tennessee counties · median +2.9%
- US counties: not published this period
- Tennessee counties: not published this period
- 40th pct · 1,923rd of 3,221 US counties · median 8,232
- 34th pct · 63rd of 95 Tennessee counties · median 8,576
- 25th pct · 2,391st of 3,221 US counties · median $1,039
- 27th pct · 69th of 95 Tennessee counties · median $1,030
- 34th pct · 1,999th of 3,063 US counties · median 4.2
- 12th pct · 83rd 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 $172,914 (Sep 2026), +5.6% over one year, +26.4% over five
- 26th pct · 2,256th of 3,063 US counties · median $230,451
- 6th pct · 89th of 95 Tennessee counties · median $252,394
| Item | Value | Distance |
|---|---|---|
| McNairy County, TN | $172,914 · +5.6% 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 #
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 $958 a month on $172,914 at 7.40%, against an average weekly wage worth $4,039 a month: 23.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $172,914 × 80% = $138,332, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $958/mo principal and interest
- wage share = payment / (avg weekly wage $932 × 52 / 12 = $4,039) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $172,914 / ($932 × 52) = 3.6
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 #
5,596 jobs at 545 employers (2026 Q1); -1.3% jobs and +5.7% average weekly wage over the year
- 40th pct · 1,923rd of 3,221 US counties · median 8,232
- 34th pct · 63rd of 95 Tennessee counties · median 8,576
| Item | Value | Distance |
|---|---|---|
| McNairy County, TN | 5,596 jobs · $932/wk · -1.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,239 | $1,112 | 2.75 | +3.2% |
| Retail trade | 620 | $575 | 1.14 | +2.1% |
| Health care and social assistance | 568 | $931 | 0.67 | -3.9% |
| Wholesale trade | 261 | $1,145 | 1.22 | +1.6% |
| Administrative and waste services | 248 | $1,097 | 0.78 | -22.0% |
| Construction | 192 | $1,055 | 0.65 | -13.1% |
| Finance and insurance | 143 | $1,020 | 0.63 | +3.6% |
| Other services | 105 | $860 | 0.63 | +11.7% |
| Educational services | 33 | $712 | 0.27 | -2.9% |
| Real estate and rental | 28 | $998 | 0.33 | +3.7% |
| Information | 9 | $2,903 | 0.09 | +0.0% |
| Unclassified | 0 | $0 | 0.00 | -100.0% |
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 #
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 #
$525.8 m in deposits at 12 offices of 8 banks (SOD June 2026); HHI 1,470, moderately concentrated. $190.2 m federal obligations in FY2026 (direct payments $182.4 m, grants $6.6 m), $33,982 per covered job
| Item | Value | Distance |
|---|---|---|
| The Huntington National Bank | $116.1 m · 22.1% share · 1 office | |
| Home Banking Company | $80.8 m · 15.4% share · 3 offices | |
| CB&S Bank, Inc. | $78.3 m · 14.9% share · 2 offices | |
| McNairy, TN | $190.2 m FY2026 · $33,982/job | |
| MULTIPLE RECIPIENTS | $178.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Huntington National Bank | $116,144,000 | 22.1% | 1 |
| Home Banking Company | $80,807,000 | 15.4% | 3 |
| CB&S Bank, Inc. | $78,309,000 | 14.9% | 2 |
| Regions Bank | $72,277,000 | 13.7% | 1 |
| Centennial Bank | $68,360,000 | 13.0% | 1 |
| The Hardin County Bank | $46,769,000 | 8.9% | 1 |
| The Bank of Fayette County | $46,085,000 | 8.8% | 2 |
| Central Bank | $17,021,000 | 3.2% | 1 |
Deposit concentration is 1,470 across 8 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 22.1² + 15.4² + 14.9² + … (5 more) = 1,470
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 | $153,903,136 |
| Department of Veterans Affairs | $23,660,422 |
| Department of Transportation | $8,171,986 |
| Department of Agriculture | $2,445,186 |
| Railroad Retirement Board | $1,297,697 |
| Delta Regional Authority | $624,913 |
| Department of Defense | $69,370 |
| Federal Communications Commission | $23,400 |
| Small Business Administration | $12,844 |
| Department of the Interior | $4,260 |
| Department of Homeland Security | $0 |
| Department of Housing and Urban Development | -$48,796 |
That is $33,982 per covered job, against 5,596 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $190.2 m / 5,596 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $33,982
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 #
McNairy County, TN: 7 findings, 1 at a watch level and 6 noted
watchMcNairy 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
noteMcNairy County, TN's average weekly wage was 5.7% 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
- +5.7 % = 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
noteMcNairy 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
noteMcNairy County, TN's typical home value rose 0.4% from $172,279 in August 2026 to $172,914 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.4% = (172914.3886183227 - 172278.67809406642) / 172278.67809406642 × 100
- 172914.3886183227 = Zillow ZHVI, 2026-09
- 172278.67809406642 = Zillow ZHVI, 2026-08
noteMcNairy County, TN's typical home value of $172,914 ranks 89th of 95 Tennessee counties, against a median of $252,394.
Period 2026-09.Show the arithmetic
- 6 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 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.