Rutherford County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.84, -86.42.
Assembled 2026-10-19. Read the brief.
- 87th pct · 380th of 3,063 US counties · median $230,451
- 94th pct · 6th of 95 Tennessee counties · median $252,394
- 69th pct · 5th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median $382,059
- 16th pct · 2,554th of 3,062 US counties · median +2.9%
- 5th pct · 90th of 95 Tennessee counties · median +2.9%
- 7th pct · 13th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median +1.8%
- 66th pct · 457th of 1,358 US counties · median $1,506
- 75th pct · 12th of 46 Tennessee counties · median $1,477
- 50th pct · 5th of 9 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median $1,715
- 93rd pct · 219th of 3,221 US counties · median 8,232
- 94th pct · 6th of 95 Tennessee counties · median 8,576
- 84th pct · 3rd of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median 20,943
- 86th pct · 443rd of 3,221 US counties · median $1,039
- 89th pct · 11th of 95 Tennessee counties · median $1,030
- 61st pct · 6th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median $1,207
- 79th pct · 619th of 3,063 US counties · median 4.2
- 81st pct · 18th of 95 Tennessee counties · median 5.0
- 38th pct · 9th 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 $413,437 (Sep 2026), -0.6% over one year, +18.7% over five
- 87th pct · 380th of 3,063 US counties · median $230,451
- 94th pct · 6th of 95 Tennessee counties · median $252,394
- 69th pct · 5th of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median $382,059
| Item | Value | Distance |
|---|---|---|
| Rutherford County, TN | $413,437 · -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 $1,715/mo (Sep 2026), +1.8% over one year; price-to-rent 20.1
- 66th pct · 457th of 1,358 US counties · median $1,506
- 75th pct · 12th of 46 Tennessee counties · median $1,477
- 50th pct · 5th of 9 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median $1,715
| Item | Value | Distance |
|---|---|---|
| Rutherford County, TN | $1,715/mo · +1.8% 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 $2,290 a month on $413,437 at 7.40%, against an average weekly wage worth $5,720 a month: 40.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $413,437 × 80% = $330,750, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,290/mo principal and interest
- wage share = payment / (avg weekly wage $1,320 × 52 / 12 = $5,720) = 40% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $413,437 / ($1,320 × 52) = 6.0
- price-to-rent = $413,437 / ($1,715 × 12) = 20.1
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 #
147,286 jobs at 8,390 employers (2026 Q1); -0.9% jobs and +4.9% average weekly wage over the year
- 93rd pct · 219th of 3,221 US counties · median 8,232
- 94th pct · 6th of 95 Tennessee counties · median 8,576
- 84th pct · 3rd of 14 counties in the Nashville-Davidson--Murfreesboro--Franklin metro · median 20,943
| Item | Value | Distance |
|---|---|---|
| Rutherford County, TN | 147,286 jobs · $1,320/wk · -0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 26,707 | $1,835 | 2.25 | -3.6% |
| Retail trade | 16,394 | $795 | 1.14 | -2.4% |
| Accommodation and food services | 14,868 | $491 | 1.12 | +0.6% |
| Health care and social assistance | 14,186 | $1,150 | 0.64 | +4.8% |
| Transportation and warehousing | 12,106 | $1,213 | 1.95 | -7.5% |
| Administrative and waste services | 8,701 | $872 | 1.04 | +10.3% |
| Wholesale trade | 6,859 | $2,003 | 1.22 | -2.0% |
| Construction | 6,733 | $1,498 | 0.87 | -2.0% |
| Professional and technical services | 3,853 | $1,661 | 0.38 | -9.1% |
| Other services | 3,505 | $1,162 | 0.80 | -2.0% |
| Finance and insurance | 3,140 | $2,884 | 0.52 | -6.3% |
| Information | 3,136 | $1,956 | 1.15 | -3.3% |
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 #
$8.2 bn in deposits at 79 offices of 27 banks (SOD June 2026); HHI 1,308, moderately concentrated. $1.9 bn federal obligations in FY2026 (direct payments $1.6 bn, grants $171.6 m), $13,140 per covered job
| Item | Value | Distance |
|---|---|---|
| Pinnacle Bank | $2.3 bn · 27.7% share · 9 offices | |
| Wilson Bank and Trust | $840.5 m · 10.3% share · 5 offices | |
| FirstBank | $812.4 m · 10.0% share · 6 offices | |
| Rutherford, TN | $1.9 bn FY2026 · $13,140/job | |
| MULTIPLE RECIPIENTS | $1.6 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Pinnacle Bank | $2,259,554,000 | 27.7% | 9 |
| Wilson Bank and Trust | $840,483,000 | 10.3% | 5 |
| FirstBank | $812,371,000 | 10.0% | 6 |
| Regions Bank | $765,039,000 | 9.4% | 8 |
| Bank of America, National Association | $702,589,000 | 8.6% | 4 |
| First Horizon Bank | $683,398,000 | 8.4% | 6 |
| Truist Bank | $680,881,000 | 8.3% | 5 |
| Fifth Third Bank, National Association | $286,234,000 | 3.5% | 8 |
| U.S. Bank National Association | $268,605,000 | 3.3% | 3 |
| JPMorgan Chase Bank, National Association | $154,719,000 | 1.9% | 4 |
Deposit concentration is 1,308 across 27 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 27 banks with deposits in the county = 27.7² + 10.3² + 10.0² + … (24 more) = 1,308
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 | $1,282,603,378 |
| Department of Veterans Affairs | $439,611,719 |
| Department of Transportation | $131,085,091 |
| Department of Education | $44,438,604 |
| Department of Housing and Urban Development | $8,407,946 |
| Railroad Retirement Board | $6,807,116 |
| Department of Agriculture | $4,800,560 |
| Department of Defense | $4,203,913 |
| Department of Commerce | $4,014,160 |
| Department of Justice | $3,902,856 |
| Federal Communications Commission | $3,682,524 |
| National Science Foundation | $1,186,259 |
That is $13,140 per covered job, against 147,286 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.9 bn / 147,286 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $13,140
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 #
Rutherford County, TN: 12 findings, 2 at a watch level and 10 noted
watchRutherford County, TN's covered employment is -0.9% 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 = -0.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchRutherford County, TN's typical home value is -0.6% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; 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: home.yoyPct = -0.6194230569793536 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteRutherford County, TN's average weekly wage was 4.9% 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
- +4.9 % = 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
noteRutherford County, TN's covered employment was 0.9% 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
- -0.9 % = 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
noteRutherford County, TN's typical home value of $413,437 ranks 6th of 95 Tennessee counties, against a median of $252,394.
Period 2026-09.Show the arithmetic
- 95 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 12 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.