Washington County, TN
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.30, -82.50.
Assembled 2026-10-19. Read the brief.
- 71st pct · 882nd of 3,063 US counties · median $230,451
- 69th pct · 30th of 95 Tennessee counties · median $252,394
- counties in the Johnson City metro: Rank context is unavailable: the manifest lists 3 counties in the Johnson City metro; fewer than 5 is too few to rank.
- 39th pct · 1,868th of 3,062 US counties · median +2.9%
- 30th pct · 66th of 95 Tennessee counties · median +2.9%
- counties in the Johnson City metro: Rank context is unavailable: the manifest lists 3 counties in the Johnson City metro; fewer than 5 is too few to rank.
- 52nd pct · 641st of 1,358 US counties · median $1,506
- 60th pct · 19th of 46 Tennessee counties · median $1,477
- counties in the Johnson City metro: Rank context is unavailable: the manifest lists 3 counties in the Johnson City metro; fewer than 5 is too few to rank.
- 86th pct · 433rd of 3,221 US counties · median 8,232
- 89th pct · 11th of 95 Tennessee counties · median 8,576
- counties in the Johnson City metro: Rank context is unavailable: the manifest lists 3 counties in the Johnson City metro; fewer than 5 is too few to rank.
- 70th pct · 963rd of 3,221 US counties · median $1,039
- 76th pct · 23rd of 95 Tennessee counties · median $1,030
- counties in the Johnson City metro: Rank context is unavailable: the manifest lists 3 counties in the Johnson City metro; fewer than 5 is too few to rank.
- 67th pct · 1,011th of 3,063 US counties · median 4.2
- 58th pct · 40th of 95 Tennessee counties · median 5.0
- counties in the Johnson City metro: Rank context is unavailable: the manifest lists 3 counties in the Johnson City metro; fewer than 5 is too few to rank.
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 $305,353 (Sep 2026), +1.9% over one year, +30.8% over five
- 71st pct · 882nd of 3,063 US counties · median $230,451
- 69th pct · 30th of 95 Tennessee counties · median $252,394
- counties in the Johnson City metro: Rank context is unavailable: the manifest lists 3 counties in the Johnson City metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Washington County, TN | $305,353 · +1.9% 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 #
Typical rent $1,536/mo (Sep 2026), +2.7% over one year; price-to-rent 16.6
- 52nd pct · 641st of 1,358 US counties · median $1,506
- 60th pct · 19th of 46 Tennessee counties · median $1,477
- counties in the Johnson City metro: Rank context is unavailable: the manifest lists 3 counties in the Johnson City metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Washington County, TN | $1,536/mo · +2.7% 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 $1,691 a month on $305,353 at 7.40%, against an average weekly wage worth $4,979 a month: 34.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $305,353 × 80% = $244,282, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,691/mo principal and interest
- wage share = payment / (avg weekly wage $1,149 × 52 / 12 = $4,979) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $305,353 / ($1,149 × 52) = 5.1
- price-to-rent = $305,353 / ($1,536 × 12) = 16.6
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 #
62,325 jobs at 3,671 employers (2026 Q1); -1.9% jobs and +2.4% average weekly wage over the year
- 86th pct · 433rd of 3,221 US counties · median 8,232
- 89th pct · 11th of 95 Tennessee counties · median 8,576
- counties in the Johnson City metro: Rank context is unavailable: the manifest lists 3 counties in the Johnson City metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Washington County, TN | 62,325 jobs · $1,149/wk · -1.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 11,524 | $1,304 | 1.23 | -1.5% |
| Retail trade | 8,278 | $740 | 1.36 | -0.9% |
| Accommodation and food services | 7,487 | $439 | 1.34 | -2.0% |
| Manufacturing | 4,700 | $1,404 | 0.94 | +4.0% |
| Administrative and waste services | 3,812 | $784 | 1.08 | -8.5% |
| Wholesale trade | 2,463 | $1,463 | 1.03 | +2.4% |
| Professional and technical services | 1,700 | $1,550 | 0.40 | -23.5% |
| Finance and insurance | 1,642 | $2,315 | 0.65 | +4.9% |
| Management of companies | 1,352 | $1,800 | 1.30 | -5.5% |
| Other services | 1,329 | $769 | 0.71 | +0.7% |
| Real estate and rental | 883 | $958 | 0.92 | +1.3% |
| Transportation and warehousing | 736 | $1,109 | 0.28 | -4.8% |
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 #
D0 abnormally dry
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 #
$3.2 bn in deposits at 36 offices of 18 banks (SOD June 2026); HHI 1,384, moderately concentrated. $1.3 bn federal obligations in FY2026 (direct payments $990.0 m, contracts $245.9 m), $20,186 per covered job
| Item | Value | Distance |
|---|---|---|
| First Horizon Bank | $865.8 m · 26.9% share · 4 offices | |
| Truist Bank | $452.8 m · 14.1% share · 2 offices | |
| Bank of Tennessee | $435.1 m · 13.5% share · 5 offices | |
| Washington, TN | $1.3 bn FY2026 · $20,186/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Horizon Bank | $865,806,000 | 26.9% | 4 |
| Truist Bank | $452,819,000 | 14.1% | 2 |
| Bank of Tennessee | $435,096,000 | 13.5% | 5 |
| Centennial Bank | $302,048,000 | 9.4% | 3 |
| Regions Bank | $249,588,000 | 7.8% | 3 |
| The First Bank and Trust Company | $224,844,000 | 7.0% | 2 |
| HomeTrust Bank | $189,416,000 | 5.9% | 2 |
| Citizens Bank | $167,464,000 | 5.2% | 1 |
| Renasant Bank | $77,535,000 | 2.4% | 2 |
| Andrew Johnson Bank | $63,736,000 | 2.0% | 2 |
Deposit concentration is 1,384 across 18 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 18 banks with deposits in the county = 26.9² + 14.1² + 13.5² + … (15 more) = 1,384
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 #
That is $20,186 per covered job, against 62,325 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.3 bn / 62,325 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,186
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 #
Washington County, TN: 7 findings, 1 at a watch level and 6 noted
watchWashington County, TN's covered employment is -1.9% 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 = -1.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteWashington County, TN's average weekly wage was 2.4% 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
- +2.4 % = 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
noteWashington County, TN's covered employment was 1.9% 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
- -1.9 % = 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
noteWashington County, TN's typical asking rent rose 0.9% from $1,522 in August 2026 to $1,536 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +0.9% = (1535.6393678160919 - 1522.2574479283471) / 1522.2574479283471 × 100
- 1535.6393678160919 = Zillow ZORI, 2026-09
- 1522.2574479283471 = Zillow ZORI, 2026-08
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Washington 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 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.