Clark County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.92, -83.78.
Assembled 2026-10-06. Read the brief.
- 37th pct · 1,910th of 3,063 US counties · median $234,566
- 41st pct · 52nd of 88 Ohio counties · median $219,740
- counties in the Springfield metro: Rank context is unavailable: the manifest lists 1 counties in the Springfield metro; fewer than 5 is too few to rank.
- 58th pct · 1,276th of 3,063 US counties · median +2.9%
- 36th pct · 56th of 88 Ohio counties · median +4.2%
- counties in the Springfield metro: Rank context is unavailable: the manifest lists 1 counties in the Springfield metro; fewer than 5 is too few to rank.
- 22nd pct · 1,091st of 1,399 US counties · median $1,496
- 38th pct · 32nd of 51 Ohio counties · median $1,327
- counties in the Springfield metro: Rank context is unavailable: the manifest lists 1 counties in the Springfield metro; fewer than 5 is too few to rank.
- 82nd pct · 572nd of 3,221 US counties · median 8,232
- 72nd pct · 25th of 88 Ohio counties · median 20,657
- counties in the Springfield metro: Rank context is unavailable: the manifest lists 1 counties in the Springfield metro; fewer than 5 is too few to rank.
- 50th pct · 1,587th of 3,221 US counties · median $1,039
- 32nd pct · 59th of 88 Ohio counties · median $1,081
- counties in the Springfield metro: Rank context is unavailable: the manifest lists 1 counties in the Springfield metro; fewer than 5 is too few to rank.
- 37th pct · 1,909th of 3,063 US counties · median 4.3
- 49th pct · 45th of 88 Ohio counties · median 3.7
- counties in the Springfield metro: Rank context is unavailable: the manifest lists 1 counties in the Springfield 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 $202,118 (Aug 2026), +3.7% over one year, +37.7% over five
- 37th pct · 1,910th of 3,063 US counties · median $234,566
- 41st pct · 52nd of 88 Ohio counties · median $219,740
- counties in the Springfield metro: Rank context is unavailable: the manifest lists 1 counties in the Springfield metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Clark County, OH | $202,118 · +3.7% 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 $1,197/mo (Aug 2026), +8.7% over one year; price-to-rent 14.1
- 22nd pct · 1,091st of 1,399 US counties · median $1,496
- 38th pct · 32nd of 51 Ohio counties · median $1,327
- counties in the Springfield metro: Rank context is unavailable: the manifest lists 1 counties in the Springfield metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Clark County, OH | $1,197/mo · +8.7% 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 $1,106 a month on $202,118 at 7.28%, against an average weekly wage worth $4,511 a month: 24.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $202,118 × 80% = $161,694, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,106/mo principal and interest
- wage share = payment / (avg weekly wage $1,041 × 52 / 12 = $4,511) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $202,118 / ($1,041 × 52) = 3.7
- price-to-rent = $202,118 / ($1,197 × 12) = 14.1
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 #
43,714 jobs at 2,488 employers (2026 Q1); -4.0% jobs and +1.7% average weekly wage over the year
- 82nd pct · 572nd of 3,221 US counties · median 8,232
- 72nd pct · 25th of 88 Ohio counties · median 20,657
- counties in the Springfield metro: Rank context is unavailable: the manifest lists 1 counties in the Springfield metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Clark County, OH | 43,714 jobs · $1,041/wk · -4.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 6,724 | $1,186 | 1.02 | +0.3% |
| Manufacturing | 6,270 | $1,203 | 1.78 | -0.8% |
| Retail trade | 4,598 | $672 | 1.08 | -0.4% |
| Accommodation and food services | 4,246 | $397 | 1.08 | -5.4% |
| Administrative and waste services | 2,713 | $817 | 1.09 | -23.9% |
| Transportation and warehousing | 2,594 | $1,198 | 1.41 | -10.9% |
| Finance and insurance | 1,678 | $1,358 | 0.94 | -2.4% |
| Other services | 1,469 | $1,044 | 1.12 | +0.0% |
| Management of companies | 1,134 | $1,941 | 1.55 | -8.9% |
| Professional and technical services | 1,026 | $1,240 | 0.34 | +4.6% |
| Educational services | 607 | $969 | 0.65 | +3.2% |
| Real estate and rental | 378 | $896 | 0.56 | -3.1% |
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 #
64 gauges · 0 flooding · 10 with quality panels averaging 98 % · 12 stale
Sites found: 64, 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 |
|---|---|---|
| Buck Creek bl CJ Brown Reservoir nr Springfield OH | stage 0.69 ft · quality 100 % (1) | 5 km |
| Mad River at St Paris Pike at Eagle City OH | flow 252.0 ft³/s | 7 km |
| Mad River near Springfield OH | flow 316.0 ft³/s | 8 km |
| Mad River near Urbana OH | flow 169.0 ft³/s | 21 km |
| Little Miami River near Oldtown OH | flow 74.7 ft³/s · quality 100 % (1) | 23 km |
| Massies Creek at Wilberforce OH | flow 34.0 ft³/s | 23 km |
| Mad River at State Route 235 near Fairborn OH | flow 937.0 ft³/s · STALE | 24 km |
| Mad River near Dayton OH | flow 411.0 ft³/s | 29 km |
| Great Miami River at Taylorsville OH | flow 1,080 ft³/s | 33 km |
| Great Miami River at Troy OH | flow 452.0 ft³/s · quality 100 % (1) | 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 #
86 wells in 2 named aquifers: Silurian-Devonian aquifers, Sand and gravel aquifers (glaciated regions)
Sites found: 86, 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 11.7 ft · 2026-09-02 | 8 km |
| USGS-395859083440700 | depth 20.9 ft · 1999-10-18 | 8 km |
| USGS-395316083593100 | depth 0.56 ft · 2026-10-05 | 18 km |
| Sand and gravel aquifers (glaciated regions) | depth 27.7 ft · 2026-09-02 | 21 km |
| USGS-395244084011901 | depth 15.2 ft · 2006-09-29 | 21 km |
| Sand and gravel aquifers (glaciated regions) | depth 5.09 ft · 2026-08-12 | 21 km |
| Sand and gravel aquifers (glaciated regions) | depth 14.4 ft · 2026-07-26 | 22 km |
| USGS-395008084011500 | depth 10.8 ft · 1995-05-22 | 22 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 (0.01)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.02 / 0.55
Banks & federal dollars #
$2.2 bn in deposits at 28 offices of 11 banks (SOD June 2026); HHI 1,551, moderately concentrated. $874.1 m federal obligations in FY2026 (direct payments $832.5 m, grants $27.3 m), $19,995 per covered job
| Item | Value | Distance |
|---|---|---|
| The Park National Bank | $590.7 m · 26.6% share · 7 offices | |
| The Huntington National Bank | $400.9 m · 18.1% share · 3 offices | |
| PNC Bank, National Association | $308.2 m · 13.9% share · 4 offices | |
| Clark, OH | $874.1 m FY2026 · $19,995/job | |
| MULTIPLE RECIPIENTS | $796.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Park National Bank | $590,731,000 | 26.6% | 7 |
| The Huntington National Bank | $400,895,000 | 18.1% | 3 |
| PNC Bank, National Association | $308,172,000 | 13.9% | 4 |
| New Carlisle Federal Savings Bank | $259,691,000 | 11.7% | 3 |
| Fifth Third Bank, National Association | $184,545,000 | 8.3% | 2 |
| WesBanco Bank, Inc. | $165,853,000 | 7.5% | 3 |
| KeyBank National Association | $123,208,000 | 5.6% | 1 |
| The Richwood Banking Company | $89,445,000 | 4.0% | 2 |
| The Citizens National Bank of Bluffton | $76,246,000 | 3.4% | 1 |
| The Merchants National Bank | $16,381,000 | 0.7% | 1 |
Deposit concentration is 1,551 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 = 26.6² + 18.1² + 13.9² + … (8 more) = 1,551
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 | $700,645,218 |
| Department of Veterans Affairs | $93,483,769 |
| Department of Housing and Urban Development | $19,471,855 |
| Department of Education | $15,255,210 |
| Department of Transportation | $13,439,591 |
| Department of Defense | $11,630,449 |
| Department of Agriculture | $7,927,908 |
| Department of Health and Human Services | $3,643,953 |
| Railroad Retirement Board | $2,446,038 |
| Federal Communications Commission | $1,960,032 |
| Department of Commerce | $1,500,000 |
| Department of State | $1,038,302 |
That is $19,995 per covered job, against 43,714 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $874.1 m / 43,714 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,995
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 #
Clark County, OH: 11 findings, 1 at an alert level, 2 at a watch level and 8 noted
alertClark County, OH's covered employment is -4.0% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -4 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchClark County, OH's covered employment is -4.0% 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 = -4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchClark County, OH's typical asking rent is +8.7% against a year earlier, a watch level here: typical asking rent at least 8 percent above a year ago (arithmetic on Zillow ZORI; 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.yoyPct = 8.68577723342955 >= 8
arithmetic on Zillow ZORI; convention chosen for this dashboard, not an official level
noteClark County, OH's covered employment was 4.0% 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
- -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
noteClark County, OH's average weekly wage was 1.7% 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
- +1.7 % = 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 11 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.