Clermont County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.05, -84.15.
Assembled 2026-10-07. Read the brief.
- 75th pct · 748th of 3,063 US counties · median $234,566
- 89th pct · 10th of 88 Ohio counties · median $219,740
- 78th pct · 4th of 15 counties in the Cincinnati metro · median $287,730
- 45th pct · 1,681st of 3,063 US counties · median +2.9%
- 18th pct · 72nd of 88 Ohio counties · median +4.2%
- 28th pct · 11th of 15 counties in the Cincinnati metro · median +3.2%
- 49th pct · 706th of 1,399 US counties · median $1,496
- 68th pct · 17th of 51 Ohio counties · median $1,327
- 28th pct · 6th of 8 counties in the Cincinnati metro · median $1,514
- 86th pct · 431st of 3,221 US counties · median 8,232
- 81st pct · 17th of 88 Ohio counties · median 20,657
- 64th pct · 6th of 15 counties in the Cincinnati metro · median 14,828
- 77th pct · 734th of 3,221 US counties · median $1,039
- 77th pct · 21st of 88 Ohio counties · median $1,081
- 64th pct · 6th of 15 counties in the Cincinnati metro · median $1,184
- 68th pct · 977th of 3,063 US counties · median 4.3
- 85th pct · 14th of 88 Ohio counties · median 3.7
- 50th pct · 8th of 15 counties in the Cincinnati metro · median 5.2
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 $328,898 (Aug 2026), +2.5% over one year, +25.7% over five
- 75th pct · 748th of 3,063 US counties · median $234,566
- 89th pct · 10th of 88 Ohio counties · median $219,740
- 78th pct · 4th of 15 counties in the Cincinnati metro · median $287,730
| Item | Value | Distance |
|---|---|---|
| Clermont County, OH | $328,898 · +2.5% 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 $1,492/mo (Aug 2026), +1.9% over one year; price-to-rent 18.4
- 49th pct · 706th of 1,399 US counties · median $1,496
- 68th pct · 17th of 51 Ohio counties · median $1,327
- 28th pct · 6th of 8 counties in the Cincinnati metro · median $1,514
| Item | Value | Distance |
|---|---|---|
| Clermont County, OH | $1,492/mo · +1.9% 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 $1,800 a month on $328,898 at 7.28%, against an average weekly wage worth $5,239 a month: 34.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $328,898 × 80% = $263,118, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,800/mo principal and interest
- wage share = payment / (avg weekly wage $1,209 × 52 / 12 = $5,239) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $328,898 / ($1,209 × 52) = 5.2
- price-to-rent = $328,898 / ($1,492 × 12) = 18.4
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 #
62,793 jobs at 5,041 employers (2026 Q1); +1.2% jobs and +2.6% average weekly wage over the year
- 86th pct · 431st of 3,221 US counties · median 8,232
- 81st pct · 17th of 88 Ohio counties · median 20,657
- 64th pct · 6th of 15 counties in the Cincinnati metro · median 14,828
| Item | Value | Distance |
|---|---|---|
| Clermont County, OH | 62,793 jobs · $1,209/wk · +1.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 9,054 | $723 | 1.48 | +1.4% |
| Accommodation and food services | 7,263 | $451 | 1.29 | -0.9% |
| Health care and social assistance | 7,130 | $1,095 | 0.75 | +3.0% |
| Manufacturing | 6,612 | $1,440 | 1.31 | +0.4% |
| Administrative and waste services | 3,650 | $1,247 | 1.02 | -0.2% |
| Transportation and warehousing | 3,555 | $1,455 | 1.34 | -1.0% |
| Professional and technical services | 3,160 | $1,761 | 0.73 | +7.6% |
| Finance and insurance | 2,290 | $2,700 | 0.90 | +0.2% |
| Other services | 1,987 | $864 | 1.06 | -1.4% |
| Wholesale trade | 1,710 | $2,306 | 0.71 | -5.6% |
| Real estate and rental | 1,133 | $1,166 | 1.18 | +12.5% |
| Arts, entertainment and recreation | 951 | $575 | 0.92 | +3.0% |
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 #
76 gauges · 0 flooding · 10 with quality panels averaging 93 % · 24 stale
Sites found: 76, 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 |
|---|---|---|
| W Fk Mill Creek at Hille Park at Cincinnati OH | flow 0.71 ft³/s · quality 70 % (5) · STALE | 36 km |
| East Fork Little Miami River near Batavia OH | flow 29.0 ft³/s · STALE | 2 km |
| E Fk Little Miami River bl Harsha Dam nr Bantam OH | stage 15.5 ft · quality 100 % (1) | 3 km |
| East Fork Little Miami River at Williamsburg OH | flow 18.6 ft³/s | 9 km |
| East Fork Little Miami River at Perintown OH | flow 88.3 ft³/s | 12 km |
| Little Miami River at Milford OH | flow 516.0 ft³/s | 18 km |
| TWELVEMILE CREEK AT HIGHWAY 1997 NR ALEXANDRIA, KY | flow 3.68 ft³/s | 20 km |
| FOURMILE CR @ HWY 547 NR ALEXANDRIA, KY | flow 1.80 ft³/s · STALE | 20 km |
| FOURMILE CREEK AT POPLAR RIDGE RD NR ALEXANDRIA,KY | flow 0.24 ft³/s | 20 km |
| FOURMILE CK AT GRAYS CROSSING AT SILVER GROVE, KY | flow 0.05 ft³/s | 20 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 #
52 wells in 2 named aquifers: Sand and gravel aquifers (glaciated regions), Silurian-Devonian aquifers
Sites found: 52, 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 28.7 ft · 2026-10-05 | 19 km |
| USGS-385144084133900 | depth 42.4 ft · 1982-10-27 | 22 km |
| USGS-390612084290601 | depth 72.6 ft · 2019-04-18 | 30 km |
| USGS-390507084302101 | depth 47.6 ft · 2016-10-16 | 31 km |
| USGS-390438084310701 | depth 34.2 ft · 2018-08-02 | 32 km |
| USGS-391201084281600 | depth 35.9 ft · 2010-09-13 | 32 km |
| Sand and gravel aquifers (glaciated regions) | depth 34.1 ft · 2026-08-19 | 32 km |
| USGS-391408084264100 | depth 21.3 ft · 2002-09-29 | 33 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 (0.03)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.07 / 0.55
Banks & federal dollars #
$4.7 bn in deposits at 43 offices of 18 banks (SOD June 2026); HHI 1,138, moderately concentrated. $1.4 bn federal obligations in FY2026 (direct payments $1.3 bn, contracts $166.2 m), $23,048 per covered job
| Item | Value | Distance |
|---|---|---|
| Fifth Third Bank, National Association | $1.1 bn · 23.6% share · 6 offices | |
| Bank of America, National Association | $550.4 m · 11.7% share · 1 office | |
| JPMorgan Chase Bank, National Association | $523.2 m · 11.1% share · 5 offices | |
| Clermont, OH | $1.4 bn FY2026 · $23,048/job | |
| MULTIPLE RECIPIENTS | $1.2 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Fifth Third Bank, National Association | $1,112,599,000 | 23.6% | 6 |
| Bank of America, National Association | $550,401,000 | 11.7% | 1 |
| JPMorgan Chase Bank, National Association | $523,215,000 | 11.1% | 5 |
| PNC Bank, National Association | $518,882,000 | 11.0% | 3 |
| U.S. Bank National Association | $342,700,000 | 7.3% | 3 |
| The Huntington National Bank | $303,544,000 | 6.4% | 3 |
| RiverHills Bank | $294,380,000 | 6.2% | 5 |
| The Park National Bank | $197,547,000 | 4.2% | 2 |
| First Commonwealth Bank | $183,048,000 | 3.9% | 1 |
| Peoples Bank | $169,253,000 | 3.6% | 3 |
Deposit concentration is 1,138 across 18 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 18 banks with deposits in the county = 23.6² + 11.7² + 11.1² + … (15 more) = 1,138
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 | $1,124,600,970 |
| Department of Defense | $151,195,808 |
| Department of Veterans Affairs | $118,270,164 |
| Department of Housing and Urban Development | $18,539,102 |
| General Services Administration | $12,779,639 |
| Department of Transportation | $10,730,037 |
| Railroad Retirement Board | $4,117,799 |
| Department of Agriculture | $2,802,321 |
| Federal Communications Commission | $2,242,050 |
| Department of Health and Human Services | $1,237,307 |
| Environmental Protection Agency | $465,190 |
| Department of Education | $185,077 |
That is $23,048 per covered job, against 62,793 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.4 bn / 62,793 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,048
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 | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| 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 #
Clermont County, OH: 6 findings, 6 noted
noteClermont County, OH's average weekly wage was 2.6% 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
- +2.6 % = 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
noteClermont County, OH's covered employment was 1.2% 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
- +1.2 % = 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
noteClermont County, OH's typical asking rent rose 0.3% from $1,489 in July 2026 to $1,492 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.3% = (1492.4673469387756 - 1488.5787432977013) / 1488.5787432977013 × 100
- 1492.4673469387756 = Zillow ZORI, 2026-08
- 1488.5787432977013 = Zillow ZORI, 2026-07
noteThe next Zillow ZHVI typical home value (monthly) covering Clermont 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
noteThe next Zillow ZORI typical rent (monthly) covering Clermont 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.