Ohio County, KY
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 37.48, -86.84.
Assembled 2026-10-06. Read the brief.
- 13th pct · 2,636th of 3,063 US counties · median $234,566
- 29th pct · 85th of 120 Kentucky counties · median $181,373
- 5th pct · 2,906th of 3,063 US counties · median +2.9%
- 39th pct · 73rd of 120 Kentucky counties · median -2.1%
- US counties: not published this period
- Kentucky counties: not published this period
- 47th pct · 1,706th of 3,221 US counties · median 8,232
- 62nd pct · 46th of 120 Kentucky counties · median 5,237
- 24th pct · 2,443rd of 3,221 US counties · median $1,039
- 40th pct · 72nd of 120 Kentucky counties · median $953
- 19th pct · 2,456th of 3,063 US counties · median 4.3
- 27th pct · 87th of 120 Kentucky counties · median 3.6
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 $144,369 (Aug 2026), -4.3% over one year, +33.1% over five
- 13th pct · 2,636th of 3,063 US counties · median $234,566
- 29th pct · 85th of 120 Kentucky counties · median $181,373
| Item | Value | Distance |
|---|---|---|
| Ohio County, KY | $144,369 · -4.3% 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
- Kentucky 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 $790 a month on $144,369 at 7.28%, against an average weekly wage worth $4,004 a month: 19.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $144,369 × 80% = $115,495, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $790/mo principal and interest
- wage share = payment / (avg weekly wage $924 × 52 / 12 = $4,004) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $144,369 / ($924 × 52) = 3.0
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 #
7,321 jobs at 544 employers (2026 Q1); -0.6% jobs and +3.6% average weekly wage over the year
- 47th pct · 1,706th of 3,221 US counties · median 8,232
- 62nd pct · 46th of 120 Kentucky counties · median 5,237
| Item | Value | Distance |
|---|---|---|
| Ohio County, KY | 7,321 jobs · $924/wk · -0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,249 | $1,056 | 3.82 | -1.6% |
| Retail trade | 787 | $600 | 1.10 | -1.6% |
| Health care and social assistance | 698 | $699 | 0.63 | +0.0% |
| Administrative and waste services | 447 | $946 | 1.07 | +12.9% |
| Construction | 195 | $921 | 0.51 | +11.4% |
| Other services | 98 | $830 | 0.45 | -3.0% |
| Agriculture, forestry, fishing | 92 | $959 | 1.74 | +16.5% |
| Finance and insurance | 80 | $1,052 | 0.27 | +1.3% |
| Educational services | 79 | $411 | 0.50 | +0.0% |
| Transportation and warehousing | 63 | $1,207 | 0.20 | -6.0% |
| Real estate and rental | 14 | $698 | 0.12 | +7.7% |
| Information | 13 | $1,964 | 0.10 | -31.6% |
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 #
D1 moderate 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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
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 #
30 gauges · 0 flooding · 3 with quality panels averaging 97 % · 7 stale
Sites found: 30, 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.
| Site | Reading | Distance |
|---|---|---|
| ROUGH RIVER AT HARTFORD, KY | flow 254.0 ft³/s | 6 km |
| ROUGH RIVER NEAR DUNDEE, KY | flow 111.0 ft³/s · no flooding | 13 km |
| SOUTH FORK PANTHER CREEK NEAR WHITESVILLE, KY | stage 6.48 ft | 16 km |
| CANEY CREEK NEAR HORSE BRANCH, KY | flow 0.00 ft³/s | 17 km |
| GREEN RIVER AT ROCKPORT, KY | stage 0.58 ft | 21 km |
| GREEN RIVER AT LIVERMORE, KY | stage 3.51 ft | 26 km |
| GREEN RIVER AT PARADISE, KY | flow 543.0 ft³/s · no flooding | 27 km |
| GREEN RIVER AT ROCHESTER, KY | stage 28.6 ft · no flooding | 29 km |
| ROUGH RIVER NEAR FALLS OF ROUGH AT DAM, KY | stage 33.2 ft · quality 100 % (1) | 34 km |
| GREEN RIVER AT LOCK 2 AT CALHOUN, KY | flow 710.0 ft³/s · no flooding | 37 km |
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 #
3 wells in 0 named aquifers:
Sites found: 3, 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.
| Site | Reading | Distance |
|---|---|---|
| USGS-375406087105401 | depth 2.35 ft · 2025-02-23 | 56 km |
| USGS-370733087291201 | depth 7.02 ft · 1983-09-08 | 69 km |
| USGS-365538086281001 | depth 61.1 ft · 1984-10-24 | 70 km |
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 (0.17)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 + 0.2×0.03 / 0.55
Banks & federal dollars #
$456.3 m in deposits at 7 offices of 6 banks (SOD June 2026); HHI 2,098, highly concentrated. $145.3 m federal obligations in FY2026 (direct payments $145.8 m, loans $10,620), $19,850 per covered job
| Item | Value | Distance |
|---|---|---|
| First United Bank and Trust Company | $138.6 m · 30.4% share · 1 office | |
| Commonwealth Community Bank, Inc. | $112.2 m · 24.6% share · 2 offices | |
| Peoples Bank | $74.5 m · 16.3% share · 1 office | |
| Ohio, KY | $145.3 m FY2026 · $19,850/job | |
| MULTIPLE RECIPIENTS | $143.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First United Bank and Trust Company | $138,572,000 | 30.4% | 1 |
| Commonwealth Community Bank, Inc. | $112,206,000 | 24.6% | 2 |
| Peoples Bank | $74,486,000 | 16.3% | 1 |
| First Kentucky Bank, Inc. | $57,692,000 | 12.6% | 1 |
| The Cecilian Bank | $49,440,000 | 10.8% | 1 |
| Morgantown Bank & Trust Company, Incorporated | $23,866,000 | 5.2% | 1 |
Deposit concentration is 2,098 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 30.4² + 24.6² + 16.3² + … (3 more) = 2,098
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 | $127,171,026 |
| Department of Veterans Affairs | $15,178,876 |
| Department of Agriculture | $2,089,619 |
| Railroad Retirement Board | $705,404 |
| Federal Communications Commission | $608,376 |
| Department of Housing and Urban Development | $40,652 |
| Department of Defense | $9,238 |
| Small Business Administration | $0 |
| Department of Transportation | -$477,890 |
That is $19,850 per covered job, against 7,321 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $145.3 m / 7,321 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,850
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 | 12.69 | 2026-10-05 | +3.3% |
| 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 · % | 72.60 | 2026-10-06 | +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 | 6.00 | 2026-09-22 | -14.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 6,830.00 | 2026-08-01 | +7.4% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| 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 | 646,347.00 | 2026-08-01 | +1.1% |
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, KY: 7 findings, 3 at a watch level and 4 noted
watchOhio County, KY's typical home value is -4.3% 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 2026-08.Show the arithmetic
- test: home.yoyPct = -4.289276750817672 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchOhio County, KY's covered employment is -0.6% 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 = -0.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchOhio County, KY's typical home value of -4.3% scores 5 on the 0-to-100 scale across US counties but 39 across Kentucky counties, a gap of 34 points.
Period 2026-08.Show the arithmetic
- 34 = |5 across US counties - 39 across Kentucky counties|
position among the entities that published this metric this period; not an official level
noteOhio County, KY's average weekly wage was 3.6% 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
- +3.6 % = 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
noteOhio County, KY's covered employment was 0.6% 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
- -0.6 % = 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
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.