Lawrence County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.60, -82.52.
Assembled 2026-10-06. Read the brief.
- 16th pct · 2,572nd of 3,063 US counties · median $234,566
- 6th pct · 82nd of 88 Ohio counties · median $219,740
- 28th pct · 6th of 8 counties in the Huntington-Ashland metro · median $153,214
- 51st pct · 1,478th of 3,063 US counties · median +2.9%
- 24th pct · 67th of 88 Ohio counties · median +4.2%
- 57th pct · 4th of 8 counties in the Huntington-Ashland metro · median +1.5%
- 5th pct · 1,326th of 1,399 US counties · median $1,496
- 12th pct · 45th of 51 Ohio counties · median $1,327
- counties in the Huntington-Ashland metro: only 3 of counties in the Huntington-Ashland metro published this metric; fewer than 5 is too few to rank
- 63rd pct · 1,192nd of 3,221 US counties · median 8,232
- 32nd pct · 60th of 88 Ohio counties · median 20,657
- 57th pct · 4th of 8 counties in the Huntington-Ashland metro · median 11,177
- 31st pct · 2,208th of 3,221 US counties · median $1,039
- 10th pct · 79th of 88 Ohio counties · median $1,081
- 42nd pct · 5th of 8 counties in the Huntington-Ashland metro · median $1,051
- 20th pct · 2,448th of 3,063 US counties · median 4.3
- 11th pct · 78th of 88 Ohio counties · median 3.7
- 42nd pct · 5th of 8 counties in the Huntington-Ashland metro · median 3.2
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 $150,416 (Aug 2026), +3.1% over one year, +18.5% over five
- 16th pct · 2,572nd of 3,063 US counties · median $234,566
- 6th pct · 82nd of 88 Ohio counties · median $219,740
- 28th pct · 6th of 8 counties in the Huntington-Ashland metro · median $153,214
| Item | Value | Distance |
|---|---|---|
| Lawrence County, OH | $150,416 · +3.1% 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 $938/mo (Aug 2026), n/a over one year; price-to-rent 13.4
- 5th pct · 1,326th of 1,399 US counties · median $1,496
- 12th pct · 45th of 51 Ohio counties · median $1,327
- counties in the Huntington-Ashland metro: only 3 of counties in the Huntington-Ashland metro published this metric; fewer than 5 is too few to rank
| Item | Value | Distance |
|---|---|---|
| Lawrence County, OH | $938/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 $823 a month on $150,416 at 7.28%, against an average weekly wage worth $4,151 a month: 19.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $150,416 × 80% = $120,333, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $823/mo principal and interest
- wage share = payment / (avg weekly wage $958 × 52 / 12 = $4,151) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $150,416 / ($958 × 52) = 3.0
- price-to-rent = $150,416 / ($938 × 12) = 13.4
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 #
13,999 jobs at 1,040 employers (2026 Q1); +1.8% jobs and +4.2% average weekly wage over the year
- 63rd pct · 1,192nd of 3,221 US counties · median 8,232
- 32nd pct · 60th of 88 Ohio counties · median 20,657
- 57th pct · 4th of 8 counties in the Huntington-Ashland metro · median 11,177
| Item | Value | Distance |
|---|---|---|
| Lawrence County, OH | 13,999 jobs · $958/wk · +1.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 3,655 | $935 | 1.74 | +0.9% |
| Retail trade | 1,653 | $590 | 1.21 | -0.9% |
| Accommodation and food services | 1,240 | $382 | 0.99 | +2.0% |
| Manufacturing | 1,203 | $1,370 | 1.07 | +8.4% |
| Transportation and warehousing | 793 | $1,097 | 1.34 | -6.7% |
| Other services | 398 | $951 | 0.95 | +8.7% |
| Professional and technical services | 274 | $967 | 0.28 | +31.1% |
| Administrative and waste services | 189 | $886 | 0.24 | -14.9% |
| Finance and insurance | 161 | $989 | 0.28 | -8.0% |
| Real estate and rental | 147 | $1,066 | 0.68 | +0.0% |
| Wholesale trade | 144 | $1,248 | 0.27 | -8.3% |
| Utilities | 140 | $3,286 | 2.53 | -2.1% |
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 #
49 gauges · 0 flooding · 3 with quality panels averaging 92 % · 11 stale
Sites found: 49, 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 |
|---|---|---|
| Symmes Creek at Aid OH | flow 25.1 ft³/s · no flooding | 2 km |
| OHIO RIVER AT IRONTON, OH | flow 13,200 ft³/s · quality 100 % (5) · no flooding | 17 km |
| Ohio River at Ashland | no flooding | 17 km |
| OHIO RIVER AT ASHLAND, KY | stage 34.4 ft | 17 km |
| OHIO RIVER AT HUNTINGTON, WV | stage 25.9 ft · no flooding | 21 km |
| Ohio River at R C Byrd Lock | no flooding | 30 km |
| OHIO RIVER AT GREENUP DAM NEAR GREENUP, KY | flow 25,200 ft³/s · no flooding | 30 km |
| TWELVEPOLE CREEK AT LAVALETTE, WV | stage 2.54 ft · no flooding | 32 km |
| Raccoon Creek at Adamsville OH | flow 211.0 ft³/s · no flooding | 33 km |
| Twelvepole Creek at Beech Fork Dam | no readings | 35 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 #
23 wells in 3 named aquifers: Mississippian aquifers, Sand and gravel aquifers (glaciated regions), Alluvial aquifers
Sites found: 23, 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-382205082304501 | depth 35.9 ft · 2026-10-05 | 26 km |
| Alluvial aquifers | depth 32.1 ft · 2026-10-05 | 30 km |
| USGS-384451082561900 | depth 48.0 ft · 1980-09-25 | 40 km |
| USGS-385451082062001 | depth 26.0 ft · 1988-02-29 | 50 km |
| Sand and gravel aquifers (glaciated regions) | depth 33.2 ft · 2026-07-05 | 59 km |
| USGS-390156083014320 | depth 17.3 ft · 1992-12-21 | 65 km |
| USGS-390227083013330 | depth 14.7 ft · 1992-12-21 | 66 km |
| USGS-390227083013320 | depth 14.6 ft · 1992-12-21 | 66 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 (0.03)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.08 / 0.55
Banks & federal dollars #
$737.6 m in deposits at 14 offices of 7 banks (SOD June 2026); HHI 1,747, moderately concentrated. $421.0 m federal obligations in FY2026 (direct payments $384.5 m, grants $34.6 m), $30,075 per covered job
| Item | Value | Distance |
|---|---|---|
| U.S. Bank National Association | $202.0 m · 27.4% share · 3 offices | |
| City National Bank of West Virginia | $142.1 m · 19.3% share · 3 offices | |
| PNC Bank, National Association | $108.5 m · 14.7% share · 1 office | |
| Lawrence, OH | $421.0 m FY2026 · $30,075/job | |
| MULTIPLE RECIPIENTS | $377.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| U.S. Bank National Association | $201,994,000 | 27.4% | 3 |
| City National Bank of West Virginia | $142,127,000 | 19.3% | 3 |
| PNC Bank, National Association | $108,524,000 | 14.7% | 1 |
| WesBanco Bank, Inc. | $98,973,000 | 13.4% | 2 |
| Peoples Bank | $86,833,000 | 11.8% | 2 |
| The Ohio Valley Bank Company | $52,874,000 | 7.2% | 1 |
| Liberty Bank | $46,230,000 | 6.3% | 2 |
Deposit concentration is 1,747 across 7 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 27.4² + 19.3² + 14.7² + … (4 more) = 1,747
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 | $310,840,120 |
| Department of Veterans Affairs | $51,882,065 |
| Department of Transportation | $20,048,476 |
| Department of Health and Human Services | $13,803,370 |
| Railroad Retirement Board | $13,567,015 |
| Department of Housing and Urban Development | $3,928,478 |
| Department of Education | $2,591,808 |
| Department of Agriculture | $2,292,482 |
| Federal Communications Commission | $1,604,334 |
| Department of Defense | $455,676 |
| Small Business Administration | $0 |
That is $30,075 per covered job, against 13,999 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $421.0 m / 13,999 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $30,075
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 | -88,576.00 | 2026-07-01 | -24.4% |
| 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 #
Lawrence County, OH: 10 findings, 1 at a watch level and 9 noted
watchLawrence County, OH's covered employment of 13,999 scores 63 on the 0-to-100 scale across US counties but 32 across Ohio counties, a gap of 31 points.
Period 2026 Q1.Show the arithmetic
- 31 = |63 across US counties - 32 across Ohio counties|
position among the entities that published this metric this period; not an official level
noteLawrence County, OH's average weekly wage was 4.2% 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
- +4.2 % = 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
noteLawrence County, OH's covered employment was 1.8% 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
- +1.8 % = 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
noteLawrence County, OH's typical home value rose 0.3% from $149,909 in July 2026 to $150,416 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (150415.94442789457 - 149909.45842326357) / 149909.45842326357 × 100
- 150415.94442789457 = Zillow ZHVI, 2026-08
- 149909.45842326357 = Zillow ZHVI, 2026-07
notetypical asking rent (rent.latest) and typical asking rent (rent.momPct) for Lawrence County, OH could not be lined up against the previous published period this run, so no change is printed for them.
Show the arithmetic
- not comparable this run: rent.latest, rent.momPct
the two newest month columns in the published file are not the two this table carries
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.