Fayette County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.56, -83.46.
Assembled 2026-10-07. Read the brief.
- 53rd pct · 1,417th of 3,063 US counties · median $234,566
- 62nd pct · 34th of 88 Ohio counties · median $219,740
- 49th pct · 1,562nd of 3,063 US counties · median +2.9%
- 22nd pct · 68th of 88 Ohio counties · median +4.2%
- 15th pct · 1,188th of 1,399 US counties · median $1,496
- 28th pct · 37th of 51 Ohio counties · median $1,327
- 59th pct · 1,297th of 3,221 US counties · median 8,232
- 28th pct · 63rd of 88 Ohio counties · median 20,657
- 44th pct · 1,784th of 3,221 US counties · median $1,039
- 24th pct · 67th of 88 Ohio counties · median $1,081
- 57th pct · 1,304th of 3,063 US counties · median 4.3
- 78th pct · 20th 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 $245,047 (Aug 2026), +2.8% over one year, +28.8% over five
- 53rd pct · 1,417th of 3,063 US counties · median $234,566
- 62nd pct · 34th of 88 Ohio counties · median $219,740
| Item | Value | Distance |
|---|---|---|
| Fayette County, OH | $245,047 · +2.8% 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 #
Typical rent $1,100/mo (Aug 2026), n/a over one year; price-to-rent 18.6
- 15th pct · 1,188th of 1,399 US counties · median $1,496
- 28th pct · 37th of 51 Ohio counties · median $1,327
| Item | Value | Distance |
|---|---|---|
| Fayette County, OH | $1,100/mo · n/a 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 $1,341 a month on $245,047 at 7.28%, against an average weekly wage worth $4,403 a month: 30.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $245,047 × 80% = $196,038, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,341/mo principal and interest
- wage share = payment / (avg weekly wage $1,016 × 52 / 12 = $4,403) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $245,047 / ($1,016 × 52) = 4.6
- price-to-rent = $245,047 / ($1,100 × 12) = 18.6
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 #
12,311 jobs at 719 employers (2026 Q1); +4.7% jobs and -0.8% average weekly wage over the year
- 59th pct · 1,297th of 3,221 US counties · median 8,232
- 28th pct · 63rd of 88 Ohio counties · median 20,657
| Item | Value | Distance |
|---|---|---|
| Fayette County, OH | 12,311 jobs · $1,016/wk · +4.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,539 | $1,300 | 2.56 | +22.4% |
| Retail trade | 1,810 | $671 | 1.51 | -5.6% |
| Transportation and warehousing | 1,315 | $1,258 | 2.53 | -2.4% |
| Accommodation and food services | 1,175 | $397 | 1.06 | +1.4% |
| Construction | 614 | $1,552 | 0.95 | +53.5% |
| Administrative and waste services | 325 | $790 | 0.46 | -11.0% |
| Other services | 302 | $954 | 0.82 | +5.2% |
| Professional and technical services | 227 | $1,048 | 0.27 | +0.0% |
| Management of companies | 169 | $1,034 | 0.82 | +0.0% |
| Agriculture, forestry, fishing | 165 | $970 | 1.86 | -5.2% |
| Finance and insurance | 160 | $1,743 | 0.32 | -1.8% |
| Arts, entertainment and recreation | 101 | $249 | 0.50 | +17.4% |
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 #
56 gauges · 0 flooding · 8 with quality panels averaging 99 % · 8 stale
Sites found: 56, 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 |
|---|---|---|
| Paint Creek near Greenfield OH | flow 57.7 ft³/s | 21 km |
| Deer Creek near Pancoastburg OH | flow 15.0 ft³/s | 23 km |
| Deer Creek at Mount Sterling OH | flow 48.3 ft³/s | 25 km |
| Rattlesnake Creek at Centerfield OH | stage 2.10 ft | 25 km |
| Deer Creek at Williamsport OH | flow 16.0 ft³/s | 29 km |
| Big Darby Creek at Darbyville OH | flow 244.0 ft³/s | 34 km |
| Paint Creek near Bainbridge OH | flow 11.0 ft³/s · quality 100 % (1) | 35 km |
| Rocky Fork near Barretts Mills OH | flow 45.1 ft³/s | 38 km |
| Massies Creek at Wilberforce OH | flow 34.0 ft³/s | 41 km |
| Paint Creek near Bourneville OH | flow 244.0 ft³/s | 41 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 #
94 wells in 3 named aquifers: Sand and gravel aquifers (glaciated regions), Silurian-Devonian aquifers, Mississippian aquifers
Sites found: 94, 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 |
|---|---|---|
| Silurian-Devonian aquifers | depth 8.68 ft · 2026-10-06 | 7 km |
| Silurian-Devonian aquifers | depth 25.1 ft · 2026-07-06 | 17 km |
| Silurian-Devonian aquifers | depth 98.8 ft · 2026-07-06 | 37 km |
| Sand and gravel aquifers (glaciated regions) | depth 8.86 ft · 2026-08-19 | 37 km |
| Sand and gravel aquifers (glaciated regions) | depth 51.2 ft · 2026-07-07 | 38 km |
| USGS-395352083292100 | depth 42.5 ft · 2003-01-22 | 38 km |
| Sand and gravel aquifers (glaciated regions) | depth 6.24 ft · 2026-07-06 | 38 km |
| Sand and gravel aquifers (glaciated regions) | depth 32.1 ft · 2026-07-27 | 39 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.01 / 0.55
Banks & federal dollars #
$654.0 m in deposits at 9 offices of 8 banks (SOD June 2026); HHI 1,957, highly concentrated. $17.0 m federal obligations in FY2026 (grants $16.8 m, contracts $159,440), $1,383 per covered job
| Item | Value | Distance |
|---|---|---|
| The Merchants National Bank | $193.6 m · 29.6% share · 1 office | |
| The Huntington National Bank | $156.0 m · 23.9% share · 2 offices | |
| Union Savings Bank | $85.3 m · 13.0% share · 1 office | |
| Fayette, OH | $17.0 m FY2026 · $1,383/job | |
| MULTIPLE RECIPIENTS | $157.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Merchants National Bank | $193,565,000 | 29.6% | 1 |
| The Huntington National Bank | $156,008,000 | 23.9% | 2 |
| Union Savings Bank | $85,319,000 | 13.0% | 1 |
| First State Bank | $80,678,000 | 12.3% | 1 |
| Fifth Third Bank, National Association | $79,300,000 | 12.1% | 1 |
| U.S. Bank National Association | $39,014,000 | 6.0% | 1 |
| LCNB National Bank | $17,697,000 | 2.7% | 1 |
| Woodforest National Bank | $2,433,000 | 0.4% | 1 |
Deposit concentration is 1,957 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 29.6² + 23.9² + 13.0² + … (5 more) = 1,957
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 | $140,339,025 |
| Department of Veterans Affairs | $16,842,286 |
| Department of Transportation | $12,841,187 |
| Department of Agriculture | $9,653,788 |
| Department of Housing and Urban Development | $6,329,711 |
| Department of Health and Human Services | $3,646,047 |
| Federal Communications Commission | $1,201,583 |
| Railroad Retirement Board | $681,597 |
| Department of Defense | $62,555 |
| Small Business Administration | $0 |
That is $1,383 per covered job, against 12,311 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $17.0 m / 12,311 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $1,383
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 #
Fayette County, OH: 11 findings, 2 at a watch level and 9 noted
watchFayette County, OH's average weekly wage is -0.8% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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.avgWeeklyWage = -0.8 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchFayette County, OH's covered employment of 12,311 scores 60 on the 0-to-100 scale across US counties but 29 across Ohio counties, a gap of 31 points.
Period 2026 Q1.Show the arithmetic
- 31 = |60 across US counties - 29 across Ohio counties|
position among the entities that published this metric this period; not an official level
noteFayette County, OH's covered employment was 4.7% 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
- +4.7 % = 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
noteFayette County, OH's average weekly wage was 0.8% 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
- -0.8 % = 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
noteFayette County, OH's typical home value rose 0.5% from $243,766 in July 2026 to $245,047 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.5% = (245047.43373157553 - 243765.82025950056) / 243765.82025950056 × 100
- 245047.43373157553 = Zillow ZHVI, 2026-08
- 243765.82025950056 = Zillow ZHVI, 2026-07
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.