Ashland County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.84, -82.27.
Assembled 2026-10-06. Read the brief.
- 54th pct · 1,388th of 3,063 US counties · median $234,566
- 63rd pct · 33rd of 88 Ohio counties · median $219,740
- 70th pct · 910th of 3,063 US counties · median +2.9%
- 60th pct · 35th of 88 Ohio counties · median +4.2%
- 4th pct · 1,331st of 1,399 US counties · median $1,496
- 8th pct · 47th of 51 Ohio counties · median $1,327
- 69th pct · 991st of 3,221 US counties · median 8,232
- 40th pct · 53rd of 88 Ohio counties · median 20,657
- 31st pct · 2,190th of 3,221 US counties · median $1,039
- 11th pct · 78th of 88 Ohio counties · median $1,081
- 63rd pct · 1,107th of 3,063 US counties · median 4.3
- 81st pct · 17th of 88 Ohio counties · median 3.7
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 $247,092 (Aug 2026), +4.8% over one year, +36.4% over five
- 54th pct · 1,388th of 3,063 US counties · median $234,566
- 63rd pct · 33rd of 88 Ohio counties · median $219,740
| Item | Value | Distance |
|---|---|---|
| Ashland County, OH | $247,092 · +4.8% 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 $928/mo (Aug 2026), +6.0% over one year; price-to-rent 22.2
- 4th pct · 1,331st of 1,399 US counties · median $1,496
- 8th pct · 47th of 51 Ohio counties · median $1,327
| Item | Value | Distance |
|---|---|---|
| Ashland County, OH | $928/mo · +6.0% 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 $1,353 a month on $247,092 at 7.28%, against an average weekly wage worth $4,160 a month: 32.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $247,092 × 80% = $197,673, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,353/mo principal and interest
- wage share = payment / (avg weekly wage $960 × 52 / 12 = $4,160) = 33% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $247,092 / ($960 × 52) = 4.9
- price-to-rent = $247,092 / ($928 × 12) = 22.2
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 #
18,308 jobs at 1,197 employers (2026 Q1); -0.4% jobs and +1.8% average weekly wage over the year
- 69th pct · 991st of 3,221 US counties · median 8,232
- 40th pct · 53rd of 88 Ohio counties · median 20,657
| Item | Value | Distance |
|---|---|---|
| Ashland County, OH | 18,308 jobs · $960/wk · -0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 3,054 | $1,159 | 2.07 | -2.8% |
| Retail trade | 2,296 | $670 | 1.29 | +0.6% |
| Accommodation and food services | 1,705 | $396 | 1.04 | +7.7% |
| Professional and technical services | 1,218 | $1,554 | 0.96 | -5.2% |
| Construction | 907 | $1,388 | 0.95 | +25.3% |
| Transportation and warehousing | 685 | $970 | 0.89 | +14.7% |
| Wholesale trade | 606 | $1,176 | 0.86 | -0.3% |
| Other services | 537 | $522 | 0.98 | -5.1% |
| Finance and insurance | 231 | $1,495 | 0.31 | -3.3% |
| Information | 169 | $1,219 | 0.50 | -15.5% |
| Real estate and rental | 157 | $847 | 0.56 | +24.6% |
| Arts, entertainment and recreation | 89 | $415 | 0.30 | -9.2% |
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 #
90 gauges · 0 flooding · 4 with quality panels averaging 100 % · 31 stale
Sites found: 90, 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 |
|---|---|---|
| Black Fork Mohican River above Charles Mills Dam | no flooding | 14 km |
| Black Fork below Charles Mill Dam near Mifflin OH | flow 10.0 ft³/s · no flooding | 14 km |
| Lake Fork bl Mohicanville Dam near Mohicanville OH | flow 25.0 ft³/s · no flooding · STALE | 16 km |
| Lake Fork Mohican River above Mohicanville Dam | no readings | 17 km |
| Black Fork at Melco OH | stage 6.32 ft · no flooding | 18 km |
| Rocky Fork at Lucas OH | flow 102.0 ft³/s | 20 km |
| Touby Run at W 6th St at Mansfield OH | flow 2.31 ft³/s | 23 km |
| Black Fork at Loudonville OH | flow 73.0 ft³/s · no flooding | 23 km |
| Clear Fork Mohican River above Pleasant Hill Dam | no readings | 25 km |
| Clear Fork bl Pleasant Hill Dam nr Perrysville OH | flow 37.0 ft³/s | 25 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 #
40 wells in 3 named aquifers: Sand and gravel aquifers (glaciated regions), Mississippian aquifers, Pennsylvanian aquifers
Sites found: 40, 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 |
|---|---|---|
| Sand and gravel aquifers (glaciated regions) | depth 23.4 ft · 2026-07-13 | 5 km |
| Sand and gravel aquifers (glaciated regions) | depth 12.7 ft · 2026-08-12 | 7 km |
| Sand and gravel aquifers (glaciated regions) | depth 2.75 ft · 2026-07-13 | 22 km |
| USGS-404802081583103 | depth 32.2 ft · 1985-07-29 | 25 km |
| Sand and gravel aquifers (glaciated regions) | depth 17.8 ft · 2026-07-08 | 25 km |
| USGS-404802081583102 | depth 32.8 ft · 1986-11-03 | 25 km |
| USGS-403635082152300 | depth 5.06 ft · 1995-10-10 | 26 km |
| USGS-410142082005900 | depth 26.9 ft · 2002-12-03 | 30 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.00 / 0.55
Banks & federal dollars #
$1.1 bn in deposits at 15 offices of 10 banks (SOD June 2026); HHI 1,634, moderately concentrated. $351.0 m federal obligations in FY2026 (direct payments $329.5 m, grants $21.4 m), $19,173 per covered job
| Item | Value | Distance |
|---|---|---|
| The Huntington National Bank | $302.2 m · 28.0% share · 2 offices | |
| The Park National Bank | $171.7 m · 15.9% share · 2 offices | |
| PNC Bank, National Association | $169.3 m · 15.7% share · 1 office | |
| Ashland, OH | $351.0 m FY2026 · $19,173/job | |
| MULTIPLE RECIPIENTS | $306.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Huntington National Bank | $302,176,000 | 28.0% | 2 |
| The Park National Bank | $171,720,000 | 15.9% | 2 |
| PNC Bank, National Association | $169,343,000 | 15.7% | 1 |
| Main Street Bank Corp. | $118,522,000 | 11.0% | 2 |
| JPMorgan Chase Bank, National Association | $106,448,000 | 9.9% | 1 |
| Sutton Bank | $97,739,000 | 9.1% | 2 |
| Farmers State Bank | $65,424,000 | 6.1% | 2 |
| WesBanco Bank, Inc. | $38,291,000 | 3.5% | 1 |
| Woodforest National Bank | $4,776,000 | 0.4% | 1 |
| Mechanics Bank | $4,284,000 | 0.4% | 1 |
Deposit concentration is 1,634 across 10 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 28.0² + 15.9² + 15.7² + … (7 more) = 1,634
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 | $274,275,773 |
| Department of Veterans Affairs | $30,498,831 |
| Department of Education | $17,668,604 |
| Department of Agriculture | $12,325,726 |
| Department of Transportation | $12,275,437 |
| Railroad Retirement Board | $1,665,563 |
| Department of Housing and Urban Development | $1,341,324 |
| Federal Communications Commission | $771,297 |
| Department of Health and Human Services | $159,216 |
| Department of Defense | $30,912 |
| Small Business Administration | $0 |
That is $19,173 per covered job, against 18,308 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $351.0 m / 18,308 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,173
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 | -88,576.00 | 2026-07-01 | -24.4% |
| 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 #
Ashland County, OH: 8 findings, 1 at a watch level and 7 noted
watchAshland County, OH's covered employment is -0.4% 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 = -0.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteAshland County, OH's average weekly wage was 1.8% 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
- +1.8 % = 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
noteAshland County, OH's covered employment was 0.4% 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
- -0.4 % = 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
noteAshland County, OH's price-to-rent ratio of 22.2 ranks 3rd of 51 Ohio counties, against a median of 15.4.
Period 2026-08.Show the arithmetic
- 96 on the 0-to-100 scale across 51 Ohio counties that published priceToRent
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
noteAshland County, OH's typical asking rent of $928 ranks 1,331st of 1,399 US counties, against a median of $1,496.
Period 2026-08.Show the arithmetic
- 5 on the 0-to-100 scale across 1399 US counties that published rent.latest
position among the entities that published this metric this period; not an official level
Read all 8 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.