Greene County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.69, -83.89.
Assembled 2026-10-06. Read the brief.
- 70th pct · 916th of 3,063 US counties · median $234,566
- 86th pct · 13th of 88 Ohio counties · median $219,740
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek metro; fewer than 5 is too few to rank.
- 54th pct · 1,401st of 3,063 US counties · median +2.9%
- 27th pct · 64th of 88 Ohio counties · median +4.2%
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek metro; fewer than 5 is too few to rank.
- 63rd pct · 506th of 1,399 US counties · median $1,496
- 86th pct · 8th of 51 Ohio counties · median $1,327
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek metro; fewer than 5 is too few to rank.
- 88th pct · 364th of 3,221 US counties · median 8,232
- 85th pct · 14th of 88 Ohio counties · median 20,657
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek metro; fewer than 5 is too few to rank.
- 93rd pct · 195th of 3,221 US counties · median $1,039
- 95th pct · 5th of 88 Ohio counties · median $1,081
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek metro; fewer than 5 is too few to rank.
- 37th pct · 1,903rd of 3,063 US counties · median 4.3
- 50th pct · 44th of 88 Ohio counties · median 3.7
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek 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 $302,422 (Aug 2026), +3.3% over one year, +26.4% over five
- 70th pct · 916th of 3,063 US counties · median $234,566
- 86th pct · 13th of 88 Ohio counties · median $219,740
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Greene County, OH | $302,422 · +3.3% 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 #
Typical rent $1,665/mo (Aug 2026), +4.2% over one year; price-to-rent 15.1
- 63rd pct · 506th of 1,399 US counties · median $1,496
- 86th pct · 8th of 51 Ohio counties · median $1,327
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Greene County, OH | $1,665/mo · +4.2% 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 $1,655 a month on $302,422 at 7.28%, against an average weekly wage worth $6,730 a month: 24.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $302,422 × 80% = $241,938, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,655/mo principal and interest
- wage share = payment / (avg weekly wage $1,553 × 52 / 12 = $6,730) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $302,422 / ($1,553 × 52) = 3.7
- price-to-rent = $302,422 / ($1,665 × 12) = 15.1
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 #
78,585 jobs at 4,175 employers (2026 Q1); -2.6% jobs and +5.9% average weekly wage over the year
- 88th pct · 364th of 3,221 US counties · median 8,232
- 85th pct · 14th of 88 Ohio counties · median 20,657
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Greene County, OH | 78,585 jobs · $1,553/wk · -2.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Professional and technical services | 11,681 | $2,453 | 2.15 | -0.2% |
| Retail trade | 9,881 | $691 | 1.29 | +0.9% |
| Health care and social assistance | 8,554 | $1,098 | 0.72 | -5.0% |
| Accommodation and food services | 8,451 | $447 | 1.20 | -0.9% |
| Manufacturing | 3,931 | $1,685 | 0.62 | +1.5% |
| Educational services | 2,315 | $847 | 1.37 | +2.9% |
| Other services | 1,905 | $645 | 0.81 | +2.6% |
| Administrative and waste services | 1,529 | $948 | 0.34 | +0.2% |
| Wholesale trade | 1,193 | $1,697 | 0.40 | +6.8% |
| Management of companies | 1,170 | $1,799 | 0.89 | +8.3% |
| Finance and insurance | 1,004 | $2,190 | 0.31 | -3.3% |
| Transportation and warehousing | 945 | $1,591 | 0.29 | -3.4% |
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 #
60 gauges · 0 flooding · 11 with quality panels averaging 99 % · 8 stale
Sites found: 60, 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 |
|---|---|---|
| Massies Creek at Wilberforce OH | flow 32.3 ft³/s | 4 km |
| Little Miami River near Oldtown OH | flow 74.7 ft³/s · quality 100 % (1) | 7 km |
| Little Miami River near Spring Valley OH | stage 3.03 ft | 16 km |
| Mad River near Dayton OH | flow 407.0 ft³/s | 21 km |
| Mad River at State Route 235 near Fairborn OH | flow 937.0 ft³/s · STALE | 22 km |
| Mad River near Springfield OH | flow 316.0 ft³/s | 26 km |
| Holes Creek near Kettering OH | flow 6.71 ft³/s | 26 km |
| Caesar Creek near Wellman OH | stage 6.36 ft · quality 100 % (1) | 27 km |
| Great Miami River at Dayton OH | flow 1,420 ft³/s | 27 km |
| G Miami River at Sellars Rd at West Carrollton OH | stage 8.15 ft | 29 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 #
80 wells in 2 named aquifers: Sand and gravel aquifers (glaciated regions), Silurian-Devonian aquifers
Sites found: 80, 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-394330083531400 | depth 55.0 ft · 1994-09-28 | 4 km |
| Sand and gravel aquifers (glaciated regions) | depth 6.20 ft · 2026-07-06 | 6 km |
| Sand and gravel aquifers (glaciated regions) | depth 8.21 ft · 2026-07-06 | 7 km |
| Sand and gravel aquifers (glaciated regions) | depth 40.8 ft · 2026-07-06 | 9 km |
| USGS-394256084040701 | depth 10.9 ft · 2006-09-29 | 15 km |
| Sand and gravel aquifers (glaciated regions) | depth 8.51 ft · 2026-07-06 | 16 km |
| USGS-394815084020701 | depth 31.2 ft · 1994-09-29 | 18 km |
| USGS-394815084020703 | depth 29.1 ft · 1994-09-29 | 18 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 #
$2.7 bn in deposits at 28 offices of 11 banks (SOD June 2026); HHI 1,340, moderately concentrated. $3.0 bn federal obligations in FY2026 (contracts $1.9 bn, direct payments $1.1 bn), $38,229 per covered job
| Item | Value | Distance |
|---|---|---|
| JPMorgan Chase Bank, National Association | $591.0 m · 21.5% share · 4 offices | |
| Fifth Third Bank, National Association | $498.2 m · 18.2% share · 3 offices | |
| U.S. Bank National Association | $354.5 m · 12.9% share · 4 offices | |
| Greene, OH | $3.0 bn FY2026 · $38,229/job | |
| MULTIPLE RECIPIENTS | $1.0 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | $591,003,000 | 21.5% | 4 |
| Fifth Third Bank, National Association | $498,197,000 | 18.2% | 3 |
| U.S. Bank National Association | $354,536,000 | 12.9% | 4 |
| The Huntington National Bank | $332,881,000 | 12.1% | 3 |
| PNC Bank, National Association | $239,249,000 | 8.7% | 2 |
| KeyBank National Association | $206,015,000 | 7.5% | 3 |
| The Park National Bank | $185,163,000 | 6.7% | 2 |
| The Old Fort Banking Company | $157,545,000 | 5.7% | 2 |
| WesBanco Bank, Inc. | $111,581,000 | 4.1% | 2 |
| Union Savings Bank | $65,590,000 | 2.4% | 2 |
Deposit concentration is 1,340 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 = 21.5² + 18.2² + 12.9² + … (8 more) = 1,340
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 |
|---|---|
| Department of Defense | $1,361,302,670 |
| Social Security Administration | $803,289,758 |
| General Services Administration | $430,873,889 |
| Department of Veterans Affairs | $213,161,617 |
| Department of Education | $62,092,717 |
| Department of the Interior | $36,002,923 |
| Department of Commerce | $24,843,080 |
| Department of Agriculture | $17,529,279 |
| Department of Housing and Urban Development | $15,911,776 |
| National Aeronautics and Space Administration | $14,794,111 |
| Department of Transportation | $13,091,467 |
| Department of Health and Human Services | $6,703,944 |
That is $38,229 per covered job, against 78,585 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $3.0 bn / 78,585 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $38,229
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 | -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 #
Greene County, OH: 10 findings, 1 at a watch level and 9 noted
watchGreene County, OH's covered employment is -2.6% 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 = -2.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteGreene County, OH's average weekly wage was 5.9% 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
- +5.9 % = 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
noteGreene County, OH's covered employment was 2.6% 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
- -2.6 % = 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
noteGreene County, OH's typical asking rent rose 0.7% from $1,653 in July 2026 to $1,665 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.7% = (1665.2470288624788 - 1653.2760429151172) / 1653.2760429151172 × 100
- 1665.2470288624788 = Zillow ZORI, 2026-08
- 1653.2760429151172 = Zillow ZORI, 2026-07
noteGreene County, OH's typical home value rose 0.3% from $301,490 in July 2026 to $302,422 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (302421.95889433153 - 301489.77938060515) / 301489.77938060515 × 100
- 302421.95889433153 = Zillow ZHVI, 2026-08
- 301489.77938060515 = Zillow ZHVI, 2026-07
Read all 10 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.