Henry County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.33, -84.07.
Assembled 2026-10-07. Read the brief.
- 42nd pct · 1,747th of 3,063 US counties · median $234,566
- 48th pct · 46th of 88 Ohio counties · median $219,740
- 78th pct · 668th of 3,063 US counties · median +2.9%
- 74th pct · 23rd of 88 Ohio counties · median +4.2%
- US counties: not published this period
- Ohio counties: not published this period
- 55th pct · 1,418th of 3,221 US counties · median 8,232
- 19th pct · 71st of 88 Ohio counties · median 20,657
- 60th pct · 1,266th of 3,221 US counties · median $1,039
- 54th pct · 41st of 88 Ohio counties · median $1,081
- 39th pct · 1,846th of 3,063 US counties · median 4.3
- 56th pct · 39th 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 $216,561 (Aug 2026), +5.8% over one year, +28.1% over five
- 42nd pct · 1,747th of 3,063 US counties · median $234,566
- 48th pct · 46th of 88 Ohio counties · median $219,740
| Item | Value | Distance |
|---|---|---|
| Henry County, OH | $216,561 · +5.8% 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 $1,185 a month on $216,561 at 7.28%, against an average weekly wage worth $4,732 a month: 25.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $216,561 × 80% = $173,249, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,185/mo principal and interest
- wage share = payment / (avg weekly wage $1,092 × 52 / 12 = $4,732) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $216,561 / ($1,092 × 52) = 3.8
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 #
10,522 jobs at 674 employers (2026 Q1); +0.2% jobs and +2.3% average weekly wage over the year
- 55th pct · 1,418th of 3,221 US counties · median 8,232
- 19th pct · 71st of 88 Ohio counties · median 20,657
| Item | Value | Distance |
|---|---|---|
| Henry County, OH | 10,522 jobs · $1,092/wk · +0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,769 | $1,497 | 3.27 | -5.9% |
| Health care and social assistance | 1,371 | $854 | 0.87 | +1.1% |
| Retail trade | 965 | $664 | 0.94 | +0.3% |
| Construction | 829 | $1,494 | 1.50 | +6.0% |
| Accommodation and food services | 612 | $313 | 0.65 | +12.5% |
| Transportation and warehousing | 421 | $1,093 | 0.95 | -1.9% |
| Other services | 338 | $791 | 1.07 | -2.3% |
| Wholesale trade | 292 | $1,155 | 0.72 | +3.5% |
| Finance and insurance | 216 | $1,472 | 0.50 | -1.4% |
| Professional and technical services | 185 | $1,332 | 0.25 | +2.8% |
| Educational services | 56 | $280 | 0.25 | +75.0% |
| Real estate and rental | 50 | $1,216 | 0.31 | +6.4% |
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 #
Surface water layer not loaded
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 #
Surface water layer not loaded
Sites found: 0, 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 #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$837.1 m in deposits at 11 offices of 7 banks (SOD June 2026); HHI 1,855, highly concentrated. $214.9 m federal obligations in FY2026 (direct payments $172.9 m, grants $41.9 m), $20,423 per covered job
| Item | Value | Distance |
|---|---|---|
| WesBanco Bank, Inc. | $228.5 m · 27.3% share · 1 office | |
| Civista Bank | $188.2 m · 22.5% share · 5 offices | |
| The Farmers & Merchants State Bank | $113.6 m · 13.6% share · 1 office | |
| Henry, OH | $214.9 m FY2026 · $20,423/job | |
| MULTIPLE RECIPIENTS | $163.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| WesBanco Bank, Inc. | $228,538,000 | 27.3% | 1 |
| Civista Bank | $188,246,000 | 22.5% | 5 |
| The Farmers & Merchants State Bank | $113,630,000 | 13.6% | 1 |
| The Hamler State Bank | $107,352,000 | 12.8% | 1 |
| The Huntington National Bank | $97,533,000 | 11.7% | 1 |
| The Corn City State Bank | $90,703,000 | 10.8% | 1 |
| The State Bank and Trust Company | $11,057,000 | 1.3% | 1 |
Deposit concentration is 1,855 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 = 27.3² + 22.5² + 13.6² + … (4 more) = 1,855
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 | $151,819,942 |
| Department of Transportation | $39,596,259 |
| Department of Veterans Affairs | $10,619,357 |
| Department of Agriculture | $4,571,880 |
| Department of Education | $3,122,819 |
| Department of Housing and Urban Development | $2,025,986 |
| Department of Health and Human Services | $1,950,000 |
| Railroad Retirement Board | $934,431 |
| Federal Communications Commission | $244,498 |
| Department of Defense | $4,871 |
| Environmental Protection Agency | $0 |
That is $20,423 per covered job, against 10,522 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $214.9 m / 10,522 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,423
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 #
Henry County, OH: 6 findings, 1 at a watch level and 5 noted
watchHenry County, OH's covered employment of 10,522 scores 56 on the 0-to-100 scale across US counties but 20 across Ohio counties, a gap of 36 points.
Period 2026 Q1.Show the arithmetic
- 36 = |56 across US counties - 20 across Ohio counties|
position among the entities that published this metric this period; not an official level
noteHenry County, OH's average weekly wage was 2.3% 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
- +2.3 % = 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
noteHenry County, OH's typical home value rose 0.6% from $215,364 in July 2026 to $216,561 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.6% = (216561.05893824823 - 215363.60869666617) / 215363.60869666617 × 100
- 216561.05893824823 = Zillow ZHVI, 2026-08
- 215363.60869666617 = Zillow ZHVI, 2026-07
noteHenry County, OH's covered employment was 0.2% 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
- +0.2 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Henry 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.