Clinton County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.42, -83.80.
Assembled 2026-10-06. Read the brief.
- 58th pct · 1,286th of 3,063 US counties · median $234,566
- 68th pct · 28th of 88 Ohio counties · median $219,740
- 64th pct · 1,075th of 3,063 US counties · median +2.9%
- 52nd pct · 42nd of 88 Ohio counties · median +4.2%
- US counties: not published this period
- Ohio counties: not published this period
- 71st pct · 926th of 3,221 US counties · median 8,232
- 47th pct · 47th of 88 Ohio counties · median 20,657
- 85th pct · 459th of 3,221 US counties · median $1,039
- 89th pct · 10th of 88 Ohio counties · median $1,081
- 38th pct · 1,887th of 3,063 US counties · median 4.3
- 51st pct · 43rd 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 $256,782 (Aug 2026), +4.3% over one year, +29.2% over five
- 58th pct · 1,286th of 3,063 US counties · median $234,566
- 68th pct · 28th of 88 Ohio counties · median $219,740
| Item | Value | Distance |
|---|---|---|
| Clinton County, OH | $256,782 · +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
- Ohio 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 $1,406 a month on $256,782 at 7.28%, against an average weekly wage worth $5,690 a month: 24.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $256,782 × 80% = $205,426, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,406/mo principal and interest
- wage share = payment / (avg weekly wage $1,313 × 52 / 12 = $5,690) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $256,782 / ($1,313 × 52) = 3.8
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 #
19,994 jobs at 966 employers (2026 Q1); +5.7% jobs and +4.3% average weekly wage over the year
- 71st pct · 926th of 3,221 US counties · median 8,232
- 47th pct · 47th of 88 Ohio counties · median 20,657
| Item | Value | Distance |
|---|---|---|
| Clinton County, OH | 19,994 jobs · $1,313/wk · +5.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Transportation and warehousing | 5,943 | $1,448 | 7.05 | +29.3% |
| Manufacturing | 3,185 | $1,870 | 1.98 | -1.7% |
| Retail trade | 1,521 | $678 | 0.78 | -0.6% |
| Accommodation and food services | 1,394 | $396 | 0.78 | +0.4% |
| Construction | 422 | $1,080 | 0.40 | +0.0% |
| Information | 385 | $2,046 | 1.04 | +0.0% |
| Administrative and waste services | 364 | $702 | 0.32 | -2.2% |
| Other services | 269 | $892 | 0.45 | +1.5% |
| Finance and insurance | 257 | $1,387 | 0.32 | +1.2% |
| Arts, entertainment and recreation | 239 | $559 | 0.73 | +4.4% |
| Professional and technical services | 237 | $1,746 | 0.17 | -4.0% |
| Management of companies | 229 | $5,108 | 0.68 | -5.0% |
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 #
Surface water layer not loaded
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 #
Surface water layer not loaded
Sites found: 0, 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.
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 #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, 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.
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 / 0.35
Banks & federal dollars #
$939.4 m in deposits at 16 offices of 11 banks (SOD June 2026); HHI 1,658, moderately concentrated. $300.4 m federal obligations in FY2026 (direct payments $271.5 m, grants $20.5 m), $15,026 per covered job
| Item | Value | Distance |
|---|---|---|
| Peoples Bank | $257.1 m · 27.4% share · 5 offices | |
| The Wilmington Savings Bank | $203.0 m · 21.6% share · 1 office | |
| Fifth Third Bank, National Association | $147.7 m · 15.7% share · 1 office | |
| Clinton, OH | $300.4 m FY2026 · $15,026/job | |
| MULTIPLE RECIPIENTS | $253.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Peoples Bank | $257,122,000 | 27.4% | 5 |
| The Wilmington Savings Bank | $203,030,000 | 21.6% | 1 |
| Fifth Third Bank, National Association | $147,746,000 | 15.7% | 1 |
| The First National Bank of Blanchester | $68,864,000 | 7.3% | 1 |
| PNC Bank, National Association | $58,319,000 | 6.2% | 1 |
| Liberty Savings Bank, F.S.B. | $52,340,000 | 5.6% | 1 |
| First Financial Bank | $47,243,000 | 5.0% | 1 |
| The Merchants National Bank | $47,076,000 | 5.0% | 2 |
| LCNB National Bank | $40,450,000 | 4.3% | 1 |
| First State Bank | $14,460,000 | 1.5% | 1 |
Deposit concentration is 1,658 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 = 27.4² + 21.6² + 15.7² + … (8 more) = 1,658
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 | $219,634,975 |
| Department of Veterans Affairs | $33,063,291 |
| Department of Transportation | $18,795,580 |
| Department of Agriculture | $8,477,613 |
| Department of Defense | $8,197,254 |
| Department of Housing and Urban Development | $5,627,784 |
| Department of Education | $2,973,923 |
| Department of Health and Human Services | $1,533,079 |
| Federal Communications Commission | $1,283,754 |
| Railroad Retirement Board | $755,754 |
| Department of Commerce | $81,018 |
| Small Business Administration | $0 |
That is $15,026 per covered job, against 19,994 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $300.4 m / 19,994 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,026
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 #
Clinton County, OH: 8 findings, 8 noted
noteClinton County, OH's covered employment was 5.7% 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
- +5.7 % = 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
noteClinton County, OH's average weekly wage was 4.3% 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
- +4.3 % = 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
noteClinton County, OH's typical home value rose 0.3% from $256,031 in July 2026 to $256,782 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (256782.30065444208 - 256030.93033121957) / 256030.93033121957 × 100
- 256782.30065444208 = Zillow ZHVI, 2026-08
- 256030.93033121957 = Zillow ZHVI, 2026-07
noteClinton County, OH's covered employment of +5.7% ranks 1st of 88 Ohio counties, against a median of -0.2%.
Period 2026 Q1.Show the arithmetic
- 100 on the 0-to-100 scale across 88 Ohio counties that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
noteClinton County, OH's momentum index of 0.72 ranks 3rd of 88 Ohio counties, against a median of 0.33.
Period 2026-08.Show the arithmetic
- 98 on the 0-to-100 scale across 88 Ohio counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
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.