Sevier County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.79, -83.52.
Assembled 2026-10-19. Read the brief.
- 87th pct · 399th of 3,063 US counties · median $230,451
- 93rd pct · 7th of 95 Tennessee counties · median $252,394
- 20th pct · 2,424th of 3,062 US counties · median +2.9%
- 8th pct · 87th of 95 Tennessee counties · median +2.9%
- 67th pct · 447th of 1,358 US counties · median $1,506
- 82nd pct · 9th of 46 Tennessee counties · median $1,477
- 84th pct · 490th of 3,221 US counties · median 8,232
- 86th pct · 14th of 95 Tennessee counties · median 8,576
- 12th pct · 2,814th of 3,221 US counties · median $1,039
- 10th pct · 85th of 95 Tennessee counties · median $1,030
- 96th pct · 119th of 3,063 US counties · median 4.2
- 98th pct · 2nd 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 $406,731 (Sep 2026), -0.0% over one year, +8.0% over five
- 87th pct · 399th of 3,063 US counties · median $230,451
- 93rd pct · 7th of 95 Tennessee counties · median $252,394
| Item | Value | Distance |
|---|---|---|
| Sevier County, TN | $406,731 · -0.0% 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 $1,730/mo (Sep 2026), +7.9% over one year; price-to-rent 19.6
- 67th pct · 447th of 1,358 US counties · median $1,506
- 82nd pct · 9th of 46 Tennessee counties · median $1,477
| Item | Value | Distance |
|---|---|---|
| Sevier County, TN | $1,730/mo · +7.9% 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 $2,253 a month on $406,731 at 7.40%, against an average weekly wage worth $3,714 a month: 60.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $406,731 × 80% = $325,384, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,253/mo principal and interest
- wage share = payment / (avg weekly wage $857 × 52 / 12 = $3,714) = 61% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $406,731 / ($857 × 52) = 9.1
- price-to-rent = $406,731 / ($1,730 × 12) = 19.6
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 #
52,490 jobs at 3,516 employers (2026 Q1); 0.0% jobs and +3.3% average weekly wage over the year
- 84th pct · 490th of 3,221 US counties · median 8,232
- 86th pct · 14th of 95 Tennessee counties · median 8,576
| Item | Value | Distance |
|---|---|---|
| Sevier County, TN | 52,490 jobs · $857/wk · 0.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 15,627 | $643 | 3.31 | -1.2% |
| Retail trade | 9,212 | $662 | 1.80 | +0.4% |
| Arts, entertainment and recreation | 6,700 | $671 | 7.75 | -1.4% |
| Construction | 2,822 | $1,186 | 1.03 | +1.3% |
| Health care and social assistance | 2,367 | $1,142 | 0.30 | +3.7% |
| Administrative and waste services | 1,550 | $1,027 | 0.52 | -3.8% |
| Professional and technical services | 1,144 | $1,210 | 0.32 | -5.2% |
| Real estate and rental | 1,026 | $1,001 | 1.27 | +10.6% |
| Other services | 868 | $730 | 0.55 | +2.5% |
| Wholesale trade | 770 | $1,499 | 0.38 | +3.2% |
| Finance and insurance | 680 | $1,450 | 0.32 | -1.4% |
| Management of companies | 293 | $1,925 | 0.33 | +7.3% |
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 #
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 #
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 #
low (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$4.2 bn in deposits at 44 offices of 8 banks (SOD June 2026); HHI 2,529, highly concentrated. $667.1 m federal obligations in FY2026 (direct payments $638.8 m, grants $16.4 m), $12,709 per covered job
| Item | Value | Distance |
|---|---|---|
| Citizens National Bank | $1.5 bn · 35.0% share · 15 offices | |
| SmartBank | $1.3 bn · 30.5% share · 6 offices | |
| Tennessee State Bank | $722.4 m · 17.0% share · 11 offices | |
| Sevier, TN | $667.1 m FY2026 · $12,709/job | |
| MULTIPLE RECIPIENTS | $637.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Citizens National Bank | $1,483,223,000 | 35.0% | 15 |
| SmartBank | $1,294,307,000 | 30.5% | 6 |
| Tennessee State Bank | $722,387,000 | 17.0% | 11 |
| First Horizon Bank | $266,977,000 | 6.3% | 3 |
| Truist Bank | $197,429,000 | 4.7% | 2 |
| Home Federal Bank of Tennessee | $166,710,000 | 3.9% | 4 |
| U.S. Bank National Association | $93,682,000 | 2.2% | 2 |
| JPMorgan Chase Bank, National Association | $14,286,000 | 0.3% | 1 |
Deposit concentration is 2,529 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 35.0² + 30.5² + 17.0² + … (5 more) = 2,529
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 | $541,168,246 |
| Department of Veterans Affairs | $92,044,416 |
| Department of Transportation | $18,784,741 |
| Department of the Interior | $6,906,025 |
| Railroad Retirement Board | $4,293,491 |
| Department of Housing and Urban Development | $1,609,066 |
| Department of Agriculture | $1,183,543 |
| Federal Communications Commission | $569,311 |
| National Aeronautics and Space Administration | $371,000 |
| Department of Defense | $60,434 |
| Small Business Administration | $44,831 |
| Department of Justice | $37,389 |
That is $12,709 per covered job, against 52,490 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $667.1 m / 52,490 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $12,709
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 #
Sevier County, TN: 9 findings, 2 at a watch level and 7 noted
watchSevier County, TN's years of wages of 9.1 ranks 119th 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 = 96.14630960156761 >= 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
watchSevier County, TN's typical home value is -0.0% 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 = -0.011490478387256324 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
noteSevier County, TN's average weekly wage was 3.3% 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
- +3.3 % = 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
noteSevier County, TN's typical asking rent rose 0.5% from $1,721 in August 2026 to $1,730 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +0.5% = (1730.0559640522877 - 1721.4430042166528) / 1721.4430042166528 × 100
- 1730.0559640522877 = Zillow ZORI, 2026-09
- 1721.4430042166528 = Zillow ZORI, 2026-08
noteSevier County, TN's typical home value of $406,731 ranks 7th of 95 Tennessee counties, against a median of $252,394.
Period 2026-09.Show the arithmetic
- 94 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 9 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.