Coshocton County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.30, -81.93.
Assembled 2026-10-06. Read the brief.
- 34th pct · 2,001st of 3,063 US counties · median $234,566
- 35th pct · 57th of 88 Ohio counties · median $219,740
- 85th pct · 453rd of 3,063 US counties · median +2.9%
- 86th pct · 13th of 88 Ohio counties · median +4.2%
- US counties: not published this period
- Ohio counties: not published this period
- 54th pct · 1,478th of 3,221 US counties · median 8,232
- 16th pct · 74th of 88 Ohio counties · median 20,657
- 60th pct · 1,259th of 3,221 US counties · median $1,039
- 55th pct · 40th of 88 Ohio counties · median $1,081
- 29th pct · 2,146th of 3,063 US counties · median 4.3
- 31st pct · 61st 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 $194,297 (Aug 2026), +6.8% over one year, +33.7% over five
- 34th pct · 2,001st of 3,063 US counties · median $234,566
- 35th pct · 57th of 88 Ohio counties · median $219,740
| Item | Value | Distance |
|---|---|---|
| Coshocton County, OH | $194,297 · +6.8% 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 #
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 $1,064 a month on $194,297 at 7.28%, against an average weekly wage worth $4,736 a month: 22.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $194,297 × 80% = $155,437, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,064/mo principal and interest
- wage share = payment / (avg weekly wage $1,093 × 52 / 12 = $4,736) = 22% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $194,297 / ($1,093 × 52) = 3.4
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 #
9,602 jobs at 759 employers (2026 Q1); -0.6% jobs and +4.8% average weekly wage over the year
- 54th pct · 1,478th of 3,221 US counties · median 8,232
- 16th pct · 74th of 88 Ohio counties · median 20,657
| Item | Value | Distance |
|---|---|---|
| Coshocton County, OH | 9,602 jobs · $1,093/wk · -0.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,736 | $1,771 | 3.54 | -1.9% |
| Retail trade | 1,377 | $583 | 1.47 | +2.5% |
| Accommodation and food services | 670 | $308 | 0.78 | -2.9% |
| Construction | 323 | $1,246 | 0.64 | +5.2% |
| Other services | 251 | $557 | 0.87 | +4.1% |
| Administrative and waste services | 197 | $654 | 0.36 | -20.9% |
| Wholesale trade | 195 | $899 | 0.53 | +7.1% |
| Finance and insurance | 185 | $1,322 | 0.47 | +0.0% |
| Transportation and warehousing | 180 | $1,110 | 0.44 | +1.7% |
| Arts, entertainment and recreation | 109 | $335 | 0.69 | +0.0% |
| Mining, oil and gas | 80 | $1,296 | 2.34 | +14.3% |
| Agriculture, forestry, fishing | 58 | $937 | 0.84 | -4.9% |
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 #
101 gauges · 0 flooding · 15 with quality panels averaging 88 % · 14 stale
Sites found: 101, 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 |
|---|---|---|
| Stillwater Creek above Piedmont Lake OH | stage 1.45 ft · quality 50 % (2) | 72 km |
| Standingstone Fork above Tappan Lake OH | stage 4.66 ft · quality 50 % (2) | 69 km |
| Brushy Fork above Clendening Lake OH | stage 1.71 ft · quality 50 % (2) | 67 km |
| Walhonding River below Randle OH | stage 0.98 ft | 2 km |
| Muskingum River near Coshocton OH | flow 1,570 ft³/s · no flooding | 7 km |
| Mill Creek near Coshocton OH | flow 3.05 ft³/s | 9 km |
| Walhonding River below Mohawk Dam at Nellie OH | flow 204.0 ft³/s | 13 km |
| Walhonding River at Mohawk Dam Pool | no readings | 15 km |
| Wills Creek bl Wills Creek Dam at Wills Creek OH | flow 41.0 ft³/s | 17 km |
| Wills Creek at Wills Creek Dam Pool | no readings | 17 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 #
63 wells in 3 named aquifers: Sand and gravel aquifers (glaciated regions), Mississippian aquifers, Pennsylvanian aquifers
Sites found: 63, 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-401735081523800 | depth 17.2 ft · 2002-12-04 | 5 km |
| Sand and gravel aquifers (glaciated regions) | depth 13.6 ft · 2026-07-21 | 5 km |
| Sand and gravel aquifers (glaciated regions) | depth 31.0 ft · 2026-09-01 | 10 km |
| USGS-402210081481600 | depth 9.95 ft · 1978-11-16 | 13 km |
| USGS-402210081481601 | depth 32.0 ft · 1978-11-16 | 13 km |
| USGS-400951081450200 | depth 90.2 ft · 1976-10-13 | 21 km |
| USGS-400951081450202 | depth 55.4 ft · 1981-01-05 | 21 km |
| USGS-400951081450201 | depth 186.2 ft · 1976-10-13 | 21 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 (0.04)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.12 / 0.55
Banks & federal dollars #
$801.5 m in deposits at 10 offices of 7 banks (SOD June 2026); HHI 2,312, highly concentrated. $245.3 m federal obligations in FY2026 (direct payments $218.5 m, grants $24.3 m), $25,548 per covered job
| Item | Value | Distance |
|---|---|---|
| THE HOME LOAN SAVINGS BANK | $291.0 m · 36.3% share · 3 offices | |
| Peoples Bank | $150.6 m · 18.8% share · 1 office | |
| The Park National Bank | $150.5 m · 18.8% share · 1 office | |
| Coshocton, OH | $245.3 m FY2026 · $25,548/job | |
| MULTIPLE RECIPIENTS | $211.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| THE HOME LOAN SAVINGS BANK | $291,012,000 | 36.3% | 3 |
| Peoples Bank | $150,601,000 | 18.8% | 1 |
| The Park National Bank | $150,469,000 | 18.8% | 1 |
| JPMorgan Chase Bank, National Association | $117,377,000 | 14.6% | 1 |
| PNC Bank, National Association | $64,166,000 | 8.0% | 1 |
| The Baltic State Bank | $24,713,000 | 3.1% | 2 |
| Woodforest National Bank | $3,202,000 | 0.4% | 1 |
Deposit concentration is 2,312 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 36.3² + 18.8² + 18.8² + … (4 more) = 2,312
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 | $190,569,744 |
| Department of Veterans Affairs | $19,671,164 |
| Department of Transportation | $14,414,836 |
| Department of Health and Human Services | $7,077,558 |
| Department of Housing and Urban Development | $5,012,683 |
| Department of Agriculture | $2,500,493 |
| Federal Communications Commission | $1,594,816 |
| Department of Justice | $1,466,800 |
| Railroad Retirement Board | $1,071,270 |
| Environmental Protection Agency | $1,000,000 |
| Department of Defense | $927,741 |
| Small Business Administration | $0 |
That is $25,548 per covered job, against 9,602 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $245.3 m / 9,602 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $25,548
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 #
Coshocton County, OH: 6 findings, 2 at a watch level and 4 noted
watchCoshocton County, OH's covered employment is -0.6% 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 = -0.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchCoshocton County, OH's covered employment of 9,602 scores 54 on the 0-to-100 scale across US counties but 16 across Ohio counties, a gap of 38 points.
Period 2026 Q1.Show the arithmetic
- 38 = |54 across US counties - 16 across Ohio counties|
position among the entities that published this metric this period; not an official level
noteCoshocton County, OH's average weekly wage was 4.8% 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
- +4.8 % = 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
noteCoshocton County, OH's typical home value rose 0.6% from $193,113 in July 2026 to $194,297 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.6% = (194296.5967565415 - 193113.10806333608) / 193113.10806333608 × 100
- 194296.5967565415 = Zillow ZHVI, 2026-08
- 193113.10806333608 = Zillow ZHVI, 2026-07
noteCoshocton County, OH's covered employment was 0.6% 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
- -0.6 % = 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
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.