Ohio County, IN

Home values #

Typical home $280,692 (Aug 2026), +3.9% over one year, +31.7% over five

• 64th pct · 1,081st of 3,063 US counties · median $234,566
• 78th pct · 21st of 92 Indiana counties · median $234,055
• 42nd pct · 9th of 15 counties in the Cincinnati metro · median $287,730

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
• Indiana counties: not published this period
• counties in the Cincinnati metro: 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 $1,536 a month on $280,692 at 7.28%, against an average weekly wage worth $3,380 a month: 45.5% of one job’s pay.

• payment = P·r / (1 − (1+r)^−n), P = $280,692 × 80% = $224,553, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,536/mo principal and interest
• wage share = payment / (avg weekly wage $780 × 52 / 12 = $3,380) = 45% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
• years of wages = $280,692 / ($780 × 52) = 6.9

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 #

1,036 jobs at 93 employers (2026 Q1); -2.0% jobs and +2.9% average weekly wage over the year

• 7th pct · 2,995th of 3,221 US counties · median 8,232
• 0th pct · 92nd of 92 Indiana counties · median 12,958
• 0th pct · 15th of 15 counties in the Cincinnati metro · median 14,828

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 #

1 USGS reservoir gauges, no capacity figures to weight

Sites found: 1, 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 #

72 gauges · 0 flooding · 10 with quality panels averaging 91 % · 24 stale

Sites found: 72, 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 #

38 wells in 1 named aquifer: Sand and gravel aquifers (glaciated regions)

Sites found: 38, 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 (0.03)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.09 / 0.55

Banks & federal dollars #

$128.7 m in deposits at 2 offices of 2 banks (SOD June 2026); HHI 5,358, highly concentrated. $43.3 m federal obligations in FY2026 (direct payments $42.9 m, grants $343,260), $41,796 per covered job

Deposit concentration is 5,358 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.

HHI = Σ (share %)² over 2 banks with deposits in the county = 63.4² + 36.6² = 5,358

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.

That is $41,796 per covered job, against 1,036 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $43.3 m / 1,036 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $41,796

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.

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 #

Ohio County, IN: 14 findings, 1 at a watch level and 13 noted

1. watchOhio County, IN's covered employment is -2.0% 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 = -2 < 0

   BLS QCEW over-the-year percent change, as published; not an official level

2. noteOhio County, IN's average weekly wage was 2.9% 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

   • +2.9 % = 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

3. noteOhio County, IN's covered employment was 2.0% 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

   • -2 % = 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

4. noteOhio County, IN's average weekly wage of $780 ranks 15th of 15 counties in the Cincinnati metro, against a median of $1,184.

   Period 2026 Q1.
   Show the arithmetic

   • 0 on the 0-to-100 scale across 15 counties in the Cincinnati metro that published jobs.avgWeeklyWage

   position among the entities that published this metric this period; not an official level

5. noteOhio County, IN's average weekly wage of $780 ranks 92nd of 92 Indiana counties, against a median of $1,045.

   Period 2026 Q1.
   Show the arithmetic

   • 0 on the 0-to-100 scale across 92 Indiana counties that published jobs.avgWeeklyWage

   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.