Holmes County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.57, -81.93.
Assembled 2026-10-07. Read the brief.
- 82nd pct · 527th of 3,063 US counties · median $234,566
- 95th pct · 5th of 88 Ohio counties · median $219,740
- 85th pct · 430th of 3,063 US counties · median +2.9%
- 89th pct · 10th of 88 Ohio counties · median +4.2%
- US counties: not published this period
- Ohio counties: not published this period
- 72nd pct · 873rd of 3,221 US counties · median 8,232
- 51st pct · 43rd of 88 Ohio counties · median 20,657
- 50th pct · 1,587th of 3,221 US counties · median $1,039
- 32nd pct · 59th of 88 Ohio counties · median $1,081
- 87th pct · 383rd of 3,063 US counties · median 4.3
- 100th pct · 1st 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 $373,939 (Aug 2026), +7.0% over one year, +28.6% over five
- 82nd pct · 527th of 3,063 US counties · median $234,566
- 95th pct · 5th of 88 Ohio counties · median $219,740
| Item | Value | Distance |
|---|---|---|
| Holmes County, OH | $373,939 · +7.0% 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 $2,047 a month on $373,939 at 7.28%, against an average weekly wage worth $4,511 a month: 45.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $373,939 × 80% = $299,151, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,047/mo principal and interest
- wage share = payment / (avg weekly wage $1,041 × 52 / 12 = $4,511) = 45% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $373,939 / ($1,041 × 52) = 6.9
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 #
21,933 jobs at 1,541 employers (2026 Q1); +1.9% jobs and +3.4% average weekly wage over the year
- 72nd pct · 873rd of 3,221 US counties · median 8,232
- 51st pct · 43rd of 88 Ohio counties · median 20,657
| Item | Value | Distance |
|---|---|---|
| Holmes County, OH | 21,933 jobs · $1,041/wk · +1.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 8,287 | $1,132 | 4.70 | +1.9% |
| Retail trade | 2,916 | $900 | 1.36 | +2.2% |
| Construction | 2,401 | $1,100 | 2.09 | +0.0% |
| Accommodation and food services | 1,438 | $369 | 0.73 | +3.0% |
| Wholesale trade | 1,185 | $1,213 | 1.41 | +8.6% |
| Transportation and warehousing | 854 | $1,209 | 0.92 | +0.8% |
| Administrative and waste services | 411 | $1,145 | 0.33 | +0.0% |
| Finance and insurance | 371 | $1,797 | 0.42 | +4.2% |
| Other services | 362 | $1,033 | 0.55 | +3.4% |
| Agriculture, forestry, fishing | 215 | $920 | 1.36 | -2.7% |
| Utilities | 124 | $1,675 | 1.43 | +5.1% |
| Information | 96 | $986 | 0.24 | +0.0% |
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 #
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 #
$1.5 bn in deposits at 19 offices of 7 banks (SOD June 2026); HHI 3,041, highly concentrated. $135.5 m federal obligations in FY2026 (direct payments $121.6 m, grants $12.8 m), $6,178 per covered job
| Item | Value | Distance |
|---|---|---|
| The Commercial and Savings Bank of Millersburg, Ohio | $558.4 m · 38.5% share · 7 offices | |
| The Killbuck Savings Bank Company | $537.7 m · 37.1% share · 6 offices | |
| First Federal Community Bank, National Association | $174.8 m · 12.1% share · 2 offices | |
| Holmes, OH | $135.5 m FY2026 · $6,178/job | |
| MULTIPLE RECIPIENTS | $119.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Commercial and Savings Bank of Millersburg, Ohio | $558,371,000 | 38.5% | 7 |
| The Killbuck Savings Bank Company | $537,674,000 | 37.1% | 6 |
| First Federal Community Bank, National Association | $174,834,000 | 12.1% | 2 |
| The Park National Bank | $55,791,000 | 3.8% | 1 |
| PNC Bank, National Association | $44,518,000 | 3.1% | 1 |
| Main Street Bank Corp. | $43,512,000 | 3.0% | 1 |
| SSB Community Bank | $35,562,000 | 2.5% | 1 |
Deposit concentration is 3,041 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 = 38.5² + 37.1² + 12.1² + … (4 more) = 3,041
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 | $111,404,078 |
| Department of Transportation | $12,623,552 |
| Department of Veterans Affairs | $8,262,468 |
| Department of Agriculture | $1,559,826 |
| Department of Defense | $1,097,040 |
| Railroad Retirement Board | $214,406 |
| Department of Health and Human Services | $187,569 |
| Department of Housing and Urban Development | $151,165 |
| Federal Communications Commission | $7,106 |
| Small Business Administration | $0 |
That is $6,178 per covered job, against 21,933 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $135.5 m / 21,933 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $6,178
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 #
Holmes County, OH: 9 findings, 9 noted
noteHolmes County, OH's average weekly wage was 3.4% 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
- +3.4 % = 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
noteHolmes County, OH's covered employment was 1.9% 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
- +1.9 % = 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
noteHolmes County, OH's typical home value rose 0.7% from $371,467 in July 2026 to $373,939 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.7% = (373939.15858687833 - 371466.94966930244) / 371466.94966930244 × 100
- 373939.15858687833 = Zillow ZHVI, 2026-08
- 371466.94966930244 = Zillow ZHVI, 2026-07
noteHolmes County, OH's years of wages of 6.9 ranks 1st of 88 Ohio counties, against a median of 3.7.
Period 2026-08.Show the arithmetic
- 100 on the 0-to-100 scale across 88 Ohio counties that published yearsOfWages
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
noteHolmes County, OH's typical home value of $373,939 ranks 5th of 88 Ohio counties, against a median of $219,740.
Period 2026-08.Show the arithmetic
- 95 on the 0-to-100 scale across 88 Ohio counties that published home.latest
position among the entities that published this metric this period; not an official level
Read all 9 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.