Allen County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.77, -84.11.
Assembled 2026-10-06. Read the brief.
- 33rd pct · 2,029th of 3,063 US counties · median $234,566
- 34th pct · 58th of 88 Ohio counties · median $219,740
- counties in the Lima metro: Rank context is unavailable: the manifest lists 1 counties in the Lima metro; fewer than 5 is too few to rank.
- 78th pct · 666th of 3,063 US counties · median +2.9%
- 75th pct · 22nd of 88 Ohio counties · median +4.2%
- counties in the Lima metro: Rank context is unavailable: the manifest lists 1 counties in the Lima metro; fewer than 5 is too few to rank.
- 23rd pct · 1,074th of 1,399 US counties · median $1,496
- 40th pct · 31st of 51 Ohio counties · median $1,327
- counties in the Lima metro: Rank context is unavailable: the manifest lists 1 counties in the Lima metro; fewer than 5 is too few to rank.
- 84th pct · 510th of 3,221 US counties · median 8,232
- 77th pct · 21st of 88 Ohio counties · median 20,657
- counties in the Lima metro: Rank context is unavailable: the manifest lists 1 counties in the Lima metro; fewer than 5 is too few to rank.
- 78th pct · 702nd of 3,221 US counties · median $1,039
- 79th pct · 19th of 88 Ohio counties · median $1,081
- counties in the Lima metro: Rank context is unavailable: the manifest lists 1 counties in the Lima metro; fewer than 5 is too few to rank.
- 20th pct · 2,435th of 3,063 US counties · median 4.3
- 12th pct · 77th of 88 Ohio counties · median 3.7
- counties in the Lima metro: Rank context is unavailable: the manifest lists 1 counties in the Lima 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 $192,619 (Aug 2026), +5.8% over one year, +32.3% over five
- 33rd pct · 2,029th of 3,063 US counties · median $234,566
- 34th pct · 58th of 88 Ohio counties · median $219,740
- counties in the Lima metro: Rank context is unavailable: the manifest lists 1 counties in the Lima metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Allen County, OH | $192,619 · +5.8% 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 $1,211/mo (Aug 2026), +2.7% over one year; price-to-rent 13.3
- 23rd pct · 1,074th of 1,399 US counties · median $1,496
- 40th pct · 31st of 51 Ohio counties · median $1,327
- counties in the Lima metro: Rank context is unavailable: the manifest lists 1 counties in the Lima metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Allen County, OH | $1,211/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 $1,054 a month on $192,619 at 7.28%, against an average weekly wage worth $5,287 a month: 19.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $192,619 × 80% = $154,095, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,054/mo principal and interest
- wage share = payment / (avg weekly wage $1,220 × 52 / 12 = $5,287) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $192,619 / ($1,220 × 52) = 3.0
- price-to-rent = $192,619 / ($1,211 × 12) = 13.3
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 #
49,665 jobs at 2,558 employers (2026 Q1); +0.2% jobs and +4.4% average weekly wage over the year
- 84th pct · 510th of 3,221 US counties · median 8,232
- 77th pct · 21st of 88 Ohio counties · median 20,657
- counties in the Lima metro: Rank context is unavailable: the manifest lists 1 counties in the Lima metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Allen County, OH | 49,665 jobs · $1,220/wk · +0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 9,874 | $1,265 | 1.32 | +1.9% |
| Manufacturing | 8,803 | $2,075 | 2.20 | -2.2% |
| Retail trade | 5,079 | $681 | 1.05 | -0.5% |
| Accommodation and food services | 4,697 | $405 | 1.05 | -2.1% |
| Administrative and waste services | 3,167 | $821 | 1.12 | +5.8% |
| Wholesale trade | 2,298 | $1,329 | 1.21 | -3.2% |
| Professional and technical services | 1,697 | $1,491 | 0.50 | +9.1% |
| Other services | 1,653 | $727 | 1.11 | +1.9% |
| Transportation and warehousing | 1,055 | $1,304 | 0.50 | -4.9% |
| Educational services | 1,009 | $672 | 0.94 | +7.9% |
| Finance and insurance | 908 | $1,607 | 0.45 | +1.1% |
| Arts, entertainment and recreation | 475 | $417 | 0.58 | +0.6% |
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 #
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 #
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 #
57 gauges · 0 flooding · 3 with quality panels averaging 87 % · 11 stale
Sites found: 57, 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-04188496 | flow 7.76 ft³/s · quality 60 % (5) · no flooding | 45 km |
| USGS-04187100 | flow 12.5 ft³/s | 5 km |
| USGS-04186500 | flow 76.4 ft³/s · no flooding | 24 km |
| USGS-04189174 | flow 7.91 ft³/s | 25 km |
| USGS-04188100 | flow 85.0 ft³/s · no flooding | 26 km |
| USGS-04189260 | flow 80.9 ft³/s · no flooding | 28 km |
| USGS-04189131 | flow 62.2 ft³/s | 31 km |
| USGS-04190000 | flow 82.8 ft³/s | 32 km |
| USGS-04189950 | flow 28.0 ft³/s · STALE | 32 km |
| USGS-405051083391201 | flow 0.00 ft³/s · STALE | 39 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 #
29 wells in 2 named aquifers: Silurian-Devonian aquifers, Sand and gravel aquifers (glaciated regions)
Sites found: 29, 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 |
|---|---|---|
| Silurian-Devonian aquifers | depth 34.6 ft · 2026-07-15 | 8 km |
| Silurian-Devonian aquifers | depth 16.3 ft · 2026-09-15 | 17 km |
| USGS-404458084192500 | depth 18.0 ft · 1998-12-20 | 18 km |
| USGS-404604084195100 | depth 27.0 ft · 1998-12-20 | 19 km |
| USGS-404522084195800 | depth 21.6 ft · 1998-12-13 | 19 km |
| USGS-404507084200300 | depth 19.3 ft · 1998-12-20 | 19 km |
| USGS-404548084205600 | depth 24.2 ft · 1998-12-20 | 20 km |
| Silurian-Devonian aquifers | depth 11.0 ft · 2026-07-15 | 23 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 (0.05)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.13 / 0.55
Banks & federal dollars #
$2.5 bn in deposits at 29 offices of 11 banks (SOD June 2026); HHI 1,467, moderately concentrated. $650.8 m federal obligations in FY2026 (direct payments $606.0 m, grants $33.3 m), $13,104 per covered job
| Item | Value | Distance |
|---|---|---|
| JPMorgan Chase Bank, National Association | $593.9 m · 24.1% share · 4 offices | |
| The Citizens National Bank of Bluffton | $427.2 m · 17.3% share · 6 offices | |
| The Huntington National Bank | $338.8 m · 13.7% share · 3 offices | |
| Allen, OH | $650.8 m FY2026 · $13,104/job | |
| MULTIPLE RECIPIENTS | $573.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | $593,906,000 | 24.1% | 4 |
| The Citizens National Bank of Bluffton | $427,235,000 | 17.3% | 6 |
| The Huntington National Bank | $338,766,000 | 13.7% | 3 |
| WesBanco Bank, Inc. | $327,736,000 | 13.3% | 4 |
| The Union Bank Company | $259,539,000 | 10.5% | 3 |
| Fifth Third Bank, National Association | $205,940,000 | 8.3% | 2 |
| The First National Bank of Pandora | $96,349,000 | 3.9% | 3 |
| First Financial Bank | $93,193,000 | 3.8% | 1 |
| The State Bank and Trust Company | $63,059,000 | 2.6% | 1 |
| U.S. Bank National Association | $57,703,000 | 2.3% | 1 |
Deposit concentration is 1,467 across 11 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 24.1² + 17.3² + 13.7² + … (8 more) = 1,467
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 | $516,632,601 |
| Department of Veterans Affairs | $53,611,570 |
| Department of Transportation | $24,927,887 |
| Department of Housing and Urban Development | $14,363,539 |
| Department of Education | $11,733,800 |
| Department of Defense | $9,249,669 |
| Department of Health and Human Services | $7,258,982 |
| Department of Agriculture | $6,434,507 |
| Railroad Retirement Board | $4,870,578 |
| Federal Communications Commission | $1,252,685 |
| Department of Justice | $418,500 |
| National Aeronautics and Space Administration | $138,011 |
That is $13,104 per covered job, against 49,665 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $650.8 m / 49,665 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $13,104
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 #
Allen County, OH: 6 findings, 2 at a watch level and 4 noted
watchAllen County, OH's typical asking rent is -5.2% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, 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: rent.momPct = -5.204761165509116 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
watchAllen County, OH's typical asking rent fell 5.2% from $1,278 in July 2026 to $1,211 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -5.2% = (1211.2539682539682 - 1277.7582325297735) / 1277.7582325297735 × 100
- 1211.2539682539682 = Zillow ZORI, 2026-08
- 1277.7582325297735 = Zillow ZORI, 2026-07
noteAllen County, OH's average weekly wage was 4.4% 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
- +4.4 % = 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
noteAllen County, OH's covered employment was 0.2% 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
- +0.2 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Allen County, OH is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Read all 6 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.