Fulton County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.60, -84.12.
Assembled 2026-10-07. Read the brief.
- 49th pct · 1,551st of 3,063 US counties · median $234,566
- 56th pct · 39th of 88 Ohio counties · median $219,740
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
- 46th pct · 1,636th of 3,063 US counties · median +2.9%
- 19th pct · 71st of 88 Ohio counties · median +4.2%
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
- US counties: not published this period
- Ohio counties: not published this period
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
- 67th pct · 1,037th of 3,221 US counties · median 8,232
- 37th pct · 55th of 88 Ohio counties · median 20,657
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
- 69th pct · 997th of 3,221 US counties · median $1,039
- 64th pct · 32nd of 88 Ohio counties · median $1,081
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
- 42nd pct · 1,755th of 3,063 US counties · median 4.3
- 59th pct · 36th of 88 Ohio counties · median 3.7
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
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 $233,132 (Aug 2026), +2.6% over one year, +26.7% over five
- 49th pct · 1,551st of 3,063 US counties · median $234,566
- 56th pct · 39th of 88 Ohio counties · median $219,740
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Fulton County, OH | $233,132 · +2.6% 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
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
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 $1,276 a month on $233,132 at 7.28%, against an average weekly wage worth $4,944 a month: 25.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $233,132 × 80% = $186,505, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,276/mo principal and interest
- wage share = payment / (avg weekly wage $1,141 × 52 / 12 = $4,944) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $233,132 / ($1,141 × 52) = 3.9
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 #
17,113 jobs at 1,105 employers (2026 Q1); -2.3% jobs and +4.7% average weekly wage over the year
- 67th pct · 1,037th of 3,221 US counties · median 8,232
- 37th pct · 55th of 88 Ohio counties · median 20,657
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Fulton County, OH | 17,113 jobs · $1,141/wk · -2.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 4,780 | $1,404 | 3.47 | -12.9% |
| Retail trade | 1,575 | $685 | 0.94 | +1.1% |
| Wholesale trade | 1,284 | $1,334 | 1.96 | +6.6% |
| Accommodation and food services | 977 | $354 | 0.64 | +3.1% |
| Construction | 854 | $2,139 | 0.95 | +10.3% |
| Administrative and waste services | 658 | $811 | 0.68 | +12.7% |
| Other services | 376 | $655 | 0.74 | -2.1% |
| Finance and insurance | 275 | $1,664 | 0.39 | -4.8% |
| Arts, entertainment and recreation | 233 | $361 | 0.83 | -19.1% |
| Real estate and rental | 96 | $1,154 | 0.37 | -5.9% |
| Information | 43 | $1,149 | 0.14 | -31.7% |
| Unclassified | 2 | $446 | 0.05 | +100.0% |
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 #
81 gauges · 0 flooding · 14 with quality panels averaging 99 % · 24 stale
Sites found: 81, 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-04192695 | flow 44.6 ft³/s · STALE | 8 km |
| USGS-04184500 | flow 141.0 ft³/s · no flooding | 12 km |
| USGS-041843678 | flow 13.0 ft³/s | 20 km |
| USGS-04176063 | flow 1.04 ft³/s | 21 km |
| USGS-04193994 | flow 63.3 ft³/s · STALE | 22 km |
| Maumee River at Napoleon | observation not current | 24 km |
| USGS-04184846 | flow 0.00 ft³/s · STALE | 25 km |
| USGS-413217083492900 | stage 5.80 ft | 26 km |
| USGS-04185000 | flow 287.0 ft³/s · no flooding | 27 km |
| USGS-04192599 | flow 0.58 ft³/s | 27 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 #
59 wells in 2 named aquifers: Sand and gravel aquifers (glaciated regions), Silurian-Devonian aquifers
Sites found: 59, 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 67.0 ft · 2026-06-29 | 9 km |
| Sand and gravel aquifers (glaciated regions) | depth 17.4 ft · 2026-06-29 | 15 km |
| Sand and gravel aquifers (glaciated regions) | depth 6.95 ft · 2026-06-29 | 18 km |
| USGS-413431083523500 | depth 15.3 ft · 2026-10-06 | 21 km |
| Sand and gravel aquifers (glaciated regions) | depth 38.9 ft · 2026-06-29 | 21 km |
| USGS-413547083481500 | depth 5.99 ft · 2000-04-30 | 27 km |
| USGS-413952084261201 | depth 31.5 ft · 2026-10-06 | 27 km |
| USGS-413952084261202 | depth 32.3 ft · 2026-10-06 | 27 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 (0.01)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.01 / 0.55
Banks & federal dollars #
$1.4 bn in deposits at 18 offices of 10 banks (SOD June 2026); HHI 3,017, highly concentrated. $280.0 m federal obligations in FY2026 (direct payments $264.8 m, grants $14.3 m), $16,365 per covered job
| Item | Value | Distance |
|---|---|---|
| The Farmers & Merchants State Bank | $745.4 m · 51.5% share · 4 offices | |
| The State Bank and Trust Company | $171.6 m · 11.9% share · 3 offices | |
| The Huntington National Bank | $140.7 m · 9.7% share · 2 offices | |
| Fulton, OH | $280.0 m FY2026 · $16,365/job | |
| MULTIPLE RECIPIENTS | $253.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Farmers & Merchants State Bank | $745,370,000 | 51.5% | 4 |
| The State Bank and Trust Company | $171,555,000 | 11.9% | 3 |
| The Huntington National Bank | $140,658,000 | 9.7% | 2 |
| WesBanco Bank, Inc. | $84,933,000 | 5.9% | 1 |
| First Federal Savings and Loan Association | $84,795,000 | 5.9% | 2 |
| PNC Bank, National Association | $81,599,000 | 5.6% | 1 |
| KeyBank National Association | $52,226,000 | 3.6% | 1 |
| Bank419 | $47,585,000 | 3.3% | 1 |
| The Sherwood State Bank | $35,834,000 | 2.5% | 2 |
| Woodforest National Bank | $3,052,000 | 0.2% | 1 |
Deposit concentration is 3,017 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 = 51.5² + 11.9² + 9.7² + … (7 more) = 3,017
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 | $229,129,914 |
| Department of Veterans Affairs | $21,691,651 |
| Department of Transportation | $14,580,151 |
| Department of Agriculture | $9,390,761 |
| Railroad Retirement Board | $2,661,467 |
| Federal Communications Commission | $2,077,067 |
| Department of Defense | $422,077 |
| Department of Education | $93,292 |
| Small Business Administration | $0 |
| Department of Justice | $0 |
That is $16,365 per covered job, against 17,113 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $280.0 m / 17,113 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,365
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 #
Fulton County, OH: 6 findings, 1 at a watch level and 5 noted
watchFulton County, OH's covered employment is -2.3% 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 = -2.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteFulton County, OH's average weekly wage 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
noteFulton County, OH's covered employment was 2.3% 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
- -2.3 % = 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
noteFulton County, OH's typical home value rose 0.6% from $231,647 in July 2026 to $233,132 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.6% = (233131.56693789328 - 231646.89701813707) / 231646.89701813707 × 100
- 233131.56693789328 = Zillow ZHVI, 2026-08
- 231646.89701813707 = Zillow ZHVI, 2026-07
noteThe next Zillow ZHVI typical home value (monthly) covering Fulton 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.