Defiance County, OH

Home values #

Typical home $188,051 (Aug 2026), +4.3% over one year, +27.1% over five

• 31st pct · 2,091st of 3,063 US counties · median $234,566
• 26th pct · 65th of 88 Ohio counties · median $219,740

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 $1,029 a month on $188,051 at 7.28%, against an average weekly wage worth $4,862 a month: 21.2% of one job’s pay.

• payment = P·r / (1 − (1+r)^−n), P = $188,051 × 80% = $150,441, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,029/mo principal and interest
• wage share = payment / (avg weekly wage $1,122 × 52 / 12 = $4,862) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
• years of wages = $188,051 / ($1,122 × 52) = 3.2

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 #

15,456 jobs at 939 employers (2026 Q1); +0.8% jobs and +2.1% average weekly wage over the year

• 65th pct · 1,117th of 3,221 US counties · median 8,232
• 34th pct · 58th of 88 Ohio counties · median 20,657

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 #

89 gauges · 0 flooding · 13 with quality panels averaging 97 % · 20 stale

Sites found: 89, 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 #

51 wells in 2 named aquifers: Sand and gravel aquifers (glaciated regions), Silurian-Devonian aquifers

Sites found: 51, 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 (0.01)

Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.03 / 0.55

Banks & federal dollars #

$1.3 bn in deposits at 16 offices of 10 banks (SOD June 2026); HHI 1,886, highly concentrated. $272.6 m federal obligations in FY2026 (direct payments $251.9 m, grants $20.7 m), $17,634 per covered job

Deposit concentration is 1,886 across 10 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.

HHI = Σ (share %)² over 10 banks with deposits in the county = 27.8² + 27.7² + 12.0² + … (7 more) = 1,886

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.

That is $17,634 per covered job, against 15,456 jobs in the 2026 Q1 QCEW quarter.

per job = FY2026 obligations $272.6 m / 15,456 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,634

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.

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 #

Defiance County, OH: 4 findings, 1 at a watch level and 3 noted

1. watchDefiance County, OH's covered employment of 15,456 scores 65 on the 0-to-100 scale across US counties but 34 across Ohio counties, a gap of 31 points.

   Period 2026 Q1.
   Show the arithmetic

   • 31 = |65 across US counties - 34 across Ohio counties|

   position among the entities that published this metric this period; not an official level

2. noteDefiance County, OH's average weekly wage was 2.1% 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

   • +2.1 % = 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

3. noteDefiance County, OH's covered employment was 0.8% 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

   • +0.8 % = 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

4. noteThe next Zillow ZHVI typical home value (monthly) covering Defiance 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 the full brief

Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.