Highland County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.18, -83.60.
Assembled 2026-10-06. Read the brief.
- 39th pct · 1,865th of 3,063 US counties · median $234,566
- 44th pct · 49th of 88 Ohio counties · median $219,740
- 71st pct · 882nd of 3,063 US counties · median +2.9%
- 65th pct · 31st of 88 Ohio counties · median +4.2%
- 18th pct · 1,141st of 1,399 US counties · median $1,496
- 34th pct · 34th of 51 Ohio counties · median $1,327
- 56th pct · 1,387th of 3,221 US counties · median 8,232
- 21st pct · 69th of 88 Ohio counties · median 20,657
- 24th pct · 2,443rd of 3,221 US counties · median $1,039
- 6th pct · 81st of 88 Ohio counties · median $1,081
- 49th pct · 1,538th of 3,063 US counties · median 4.3
- 67th pct · 29th 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 $205,791 (Aug 2026), +4.9% over one year, +37.1% over five
- 39th pct · 1,865th of 3,063 US counties · median $234,566
- 44th pct · 49th of 88 Ohio counties · median $219,740
| Item | Value | Distance |
|---|---|---|
| Highland County, OH | $205,791 · +4.9% 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 $1,150/mo (Aug 2026), n/a over one year; price-to-rent 14.9
- 18th pct · 1,141st of 1,399 US counties · median $1,496
- 34th pct · 34th of 51 Ohio counties · median $1,327
| Item | Value | Distance |
|---|---|---|
| Highland County, OH | $1,150/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 $1,126 a month on $205,791 at 7.28%, against an average weekly wage worth $4,004 a month: 28.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $205,791 × 80% = $164,633, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,126/mo principal and interest
- wage share = payment / (avg weekly wage $924 × 52 / 12 = $4,004) = 28% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $205,791 / ($924 × 52) = 4.3
- price-to-rent = $205,791 / ($1,150 × 12) = 14.9
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 #
10,997 jobs at 858 employers (2026 Q1); +2.7% jobs and +4.3% average weekly wage over the year
- 56th pct · 1,387th of 3,221 US counties · median 8,232
- 21st pct · 69th of 88 Ohio counties · median 20,657
| Item | Value | Distance |
|---|---|---|
| Highland County, OH | 10,997 jobs · $924/wk · +2.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,759 | $1,133 | 1.99 | -9.9% |
| Retail trade | 1,644 | $613 | 1.53 | -1.3% |
| Health care and social assistance | 1,231 | $943 | 0.74 | -5.1% |
| Construction | 874 | $1,212 | 1.52 | +85.2% |
| Finance and insurance | 383 | $1,863 | 0.85 | +4.1% |
| Other services | 363 | $704 | 1.10 | +27.8% |
| Wholesale trade | 318 | $966 | 0.75 | +0.3% |
| Transportation and warehousing | 236 | $788 | 0.51 | +11.8% |
| Administrative and waste services | 193 | $662 | 0.31 | -17.2% |
| Educational services | 92 | $453 | 0.39 | -6.1% |
| Real estate and rental | 83 | $766 | 0.49 | +5.1% |
| Utilities | 72 | $2,302 | 1.66 | +4.3% |
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 #
$4.5 bn in deposits at 16 offices of 9 banks (SOD June 2026); HHI 6,391, highly concentrated. $255.0 m federal obligations in FY2026 (direct payments $248.4 m, grants $6.5 m), $23,186 per covered job
| Item | Value | Distance |
|---|---|---|
| NATIONAL COOPERATIVE BANK, N.A. | $3.6 bn · 79.2% share · 1 office | |
| The Merchants National Bank | $445.6 m · 9.9% share · 5 offices | |
| Fifth Third Bank, National Association | $194.3 m · 4.3% share · 1 office | |
| Highland, OH | $255.0 m FY2026 · $23,186/job | |
| MULTIPLE RECIPIENTS | $242.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| NATIONAL COOPERATIVE BANK, N.A. | $3,567,294,000 | 79.2% | 1 |
| The Merchants National Bank | $445,623,000 | 9.9% | 5 |
| Fifth Third Bank, National Association | $194,342,000 | 4.3% | 1 |
| Southern Hills Community Bank | $107,184,000 | 2.4% | 4 |
| First State Bank | $69,053,000 | 1.5% | 1 |
| Peoples Bank | $36,189,000 | 0.8% | 1 |
| U.S. Bank National Association | $32,485,000 | 0.7% | 1 |
| Community Savings Bank | $29,544,000 | 0.7% | 1 |
| The Wilmington Savings Bank | $25,114,000 | 0.6% | 1 |
Deposit concentration is 6,391 across 9 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 9 banks with deposits in the county = 79.2² + 9.9² + 4.3² + … (6 more) = 6,391
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 | $212,330,908 |
| Department of Veterans Affairs | $29,270,607 |
| Department of Transportation | $3,459,921 |
| Department of Agriculture | $3,199,675 |
| Department of Health and Human Services | $3,073,000 |
| Department of Education | $1,519,191 |
| Department of Housing and Urban Development | $1,089,749 |
| Railroad Retirement Board | $783,806 |
| Federal Communications Commission | $244,409 |
| Small Business Administration | $0 |
| Department of Defense | $0 |
That is $23,186 per covered job, against 10,997 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $255.0 m / 10,997 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,186
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 #
Highland County, OH: 10 findings, 1 at a watch level and 9 noted
watchHighland County, OH's covered employment of 10,997 scores 57 on the 0-to-100 scale across US counties but 22 across Ohio counties, a gap of 35 points.
Period 2026 Q1.Show the arithmetic
- 35 = |57 across US counties - 22 across Ohio counties|
position among the entities that published this metric this period; not an official level
noteHighland County, OH's average weekly wage was 4.3% 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
- +4.3 % = 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
noteHighland County, OH's covered employment was 2.7% 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
- +2.7 % = 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
noteHighland County, OH's typical home value rose 0.4% from $204,975 in July 2026 to $205,791 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.4% = (205791.43337274168 - 204974.74959137963) / 204974.74959137963 × 100
- 205791.43337274168 = Zillow ZHVI, 2026-08
- 204974.74959137963 = Zillow ZHVI, 2026-07
noteHighland County, OH's typical asking rent rose 0.4% from $1,146 in July 2026 to $1,150 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.4% = (1150 - 1145.7691748479176) / 1145.7691748479176 × 100
- 1150 = Zillow ZORI, 2026-08
- 1145.7691748479176 = Zillow ZORI, 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.