Madison County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.90, -83.40.
Assembled 2026-10-06. Read the brief.
- 74th pct · 796th of 3,063 US counties · median $234,566
- 88th pct · 11th of 88 Ohio counties · median $219,740
- 44th pct · 6th of 10 counties in the Columbus metro · median $325,620
- 37th pct · 1,906th of 3,063 US counties · median +2.9%
- 9th pct · 80th of 88 Ohio counties · median +4.2%
- 33rd pct · 7th of 10 counties in the Columbus metro · median +1.9%
- 79th pct · 286th of 1,399 US counties · median $1,496
- 96th pct · 3rd of 51 Ohio counties · median $1,327
- 100th pct · 1st of 7 counties in the Columbus metro · median $1,648
- 74th pct · 829th of 3,221 US counties · median 8,232
- 56th pct · 39th of 88 Ohio counties · median 20,657
- 44th pct · 6th of 10 counties in the Columbus metro · median 29,630
- 65th pct · 1,118th of 3,221 US counties · median $1,039
- 59th pct · 36th of 88 Ohio counties · median $1,081
- 55th pct · 5th of 10 counties in the Columbus metro · median $1,115
- 72nd pct · 837th of 3,063 US counties · median 4.3
- 89th pct · 10th of 88 Ohio counties · median 3.7
- 44th pct · 6th of 10 counties in the Columbus metro · median 5.6
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 $321,099 (Aug 2026), +1.8% over one year, +21.3% over five
- 74th pct · 796th of 3,063 US counties · median $234,566
- 88th pct · 11th of 88 Ohio counties · median $219,740
- 44th pct · 6th of 10 counties in the Columbus metro · median $325,620
| Item | Value | Distance |
|---|---|---|
| Madison County, OH | $321,099 · +1.8% 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 #
Typical rent $1,916/mo (Aug 2026), +6.9% over one year; price-to-rent 14.0
- 79th pct · 286th of 1,399 US counties · median $1,496
- 96th pct · 3rd of 51 Ohio counties · median $1,327
- 100th pct · 1st of 7 counties in the Columbus metro · median $1,648
| Item | Value | Distance |
|---|---|---|
| Madison County, OH | $1,916/mo · +6.9% 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 $1,758 a month on $321,099 at 7.28%, against an average weekly wage worth $4,836 a month: 36.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $321,099 × 80% = $256,880, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,758/mo principal and interest
- wage share = payment / (avg weekly wage $1,116 × 52 / 12 = $4,836) = 36% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $321,099 / ($1,116 × 52) = 5.5
- price-to-rent = $321,099 / ($1,916 × 12) = 14.0
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 #
23,819 jobs at 1,077 employers (2026 Q1); +2.3% jobs and +1.6% average weekly wage over the year
- 74th pct · 829th of 3,221 US counties · median 8,232
- 56th pct · 39th of 88 Ohio counties · median 20,657
- 44th pct · 6th of 10 counties in the Columbus metro · median 29,630
| Item | Value | Distance |
|---|---|---|
| Madison County, OH | 23,819 jobs · $1,116/wk · +2.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Transportation and warehousing | 9,334 | $1,030 | 9.30 | +18.9% |
| Manufacturing | 3,349 | $1,223 | 1.75 | +1.5% |
| Retail trade | 2,017 | $849 | 0.87 | +1.4% |
| Accommodation and food services | 1,245 | $430 | 0.58 | +1.2% |
| Health care and social assistance | 1,095 | $1,091 | 0.31 | +2.3% |
| Construction | 808 | $1,228 | 0.65 | +0.0% |
| Professional and technical services | 608 | $1,518 | 0.37 | -26.3% |
| Other services | 451 | $1,012 | 0.63 | +2.5% |
| Finance and insurance | 173 | $1,725 | 0.18 | -2.8% |
| Real estate and rental | 82 | $1,657 | 0.22 | +5.1% |
| Educational services | 77 | $304 | 0.15 | -22.2% |
| Arts, entertainment and recreation | 70 | $446 | 0.18 | -19.5% |
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 #
73 gauges · 0 flooding · 12 with quality panels averaging 98 % · 10 stale
Sites found: 73, 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 |
|---|---|---|
| Little Darby Creek at West Jefferson OH | flow 78.8 ft³/s | 13 km |
| USGS-395339083130100 | DO 8.90 mg/l · quality 100 % (4) | 16 km |
| Clover Groff Ditch below Alton OH | flow 3.69 ft³/s · quality 100 % (5) | 20 km |
| Hellbranch Run near Harrisburg OH | flow 12.9 ft³/s | 21 km |
| Deer Creek at Mount Sterling OH | flow 52.7 ft³/s | 24 km |
| Buck Creek at C J Brown | no readings | 30 km |
| USGS-400150083053401 | flow 0.22 ft³/s · STALE | 30 km |
| USGS-400150083053402 | flow 0.00 ft³/s · STALE | 30 km |
| USGS-400153083053600 | flow 0.00 ft³/s · STALE | 30 km |
| Scioto River at 5th Ave at Columbus OH | flow 234.0 ft³/s | 30 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 #
79 wells in 3 named aquifers: Silurian-Devonian aquifers, Sand and gravel aquifers (glaciated regions), Mississippian aquifers
Sites found: 79, 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 |
|---|---|---|
| Silurian-Devonian aquifers | depth 98.8 ft · 2026-07-06 | 5 km |
| Sand and gravel aquifers (glaciated regions) | depth 51.2 ft · 2026-07-07 | 8 km |
| USGS-395352083292100 | depth 42.5 ft · 2003-01-22 | 8 km |
| Silurian-Devonian aquifers | depth 7.99 ft · 2026-07-06 | 8 km |
| Sand and gravel aquifers (glaciated regions) | depth 6.24 ft · 2026-07-06 | 9 km |
| Sand and gravel aquifers (glaciated regions) | depth 8.86 ft · 2026-08-19 | 23 km |
| Silurian-Devonian aquifers | depth 25.1 ft · 2026-07-06 | 26 km |
| USGS-395859083440700 | depth 20.9 ft · 1999-10-18 | 30 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 (0.01)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.02 / 0.55
Banks & federal dollars #
$650.4 m in deposits at 10 offices of 9 banks (SOD June 2026); HHI 3,098, highly concentrated. $256.1 m federal obligations in FY2026 (direct payments $235.4 m, grants $20.5 m), $10,752 per covered job
| Item | Value | Distance |
|---|---|---|
| The Huntington National Bank | $328.5 m · 50.5% share · 2 offices | |
| The Merchants National Bank | $99.8 m · 15.4% share · 1 office | |
| PNC Bank, National Association | $80.4 m · 12.4% share · 1 office | |
| Madison, OH | $256.1 m FY2026 · $10,752/job | |
| MULTIPLE RECIPIENTS | $229.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Huntington National Bank | $328,518,000 | 50.5% | 2 |
| The Merchants National Bank | $99,843,000 | 15.4% | 1 |
| PNC Bank, National Association | $80,382,000 | 12.4% | 1 |
| JPMorgan Chase Bank, National Association | $73,740,000 | 11.3% | 1 |
| Civista Bank | $26,432,000 | 4.1% | 1 |
| The Farmers National Bank of Canfield | $19,791,000 | 3.0% | 1 |
| North Valley Bank | $9,830,000 | 1.5% | 1 |
| The Savings Bank | $9,716,000 | 1.5% | 1 |
| Woodforest National Bank | $2,160,000 | 0.3% | 1 |
Deposit concentration is 3,098 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 = 50.5² + 15.4² + 12.4² + … (6 more) = 3,098
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 | $200,169,928 |
| Department of Veterans Affairs | $27,747,737 |
| Department of Transportation | $20,453,551 |
| Department of Agriculture | $5,685,144 |
| Railroad Retirement Board | $1,674,576 |
| Department of Education | $167,453 |
| Department of Defense | $131,368 |
| Federal Communications Commission | $37,899 |
| Department of Housing and Urban Development | $25,543 |
| Small Business Administration | $0 |
| Environmental Protection Agency | $0 |
That is $10,752 per covered job, against 23,819 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $256.1 m / 23,819 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $10,752
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 #
Madison County, OH: 10 findings, 10 noted
noteMadison County, OH's covered employment 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
noteMadison County, OH's average weekly wage was 1.6% 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
- +1.6 % = 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
noteMadison County, OH's typical asking rent fell 0.4% from $1,924 in July 2026 to $1,916 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -0.4% = (1915.7361111111113 - 1923.5310861491778) / 1923.5310861491778 × 100
- 1915.7361111111113 = Zillow ZORI, 2026-08
- 1923.5310861491778 = Zillow ZORI, 2026-07
noteMadison County, OH's typical home value rose 0.3% from $320,099 in July 2026 to $321,099 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (321099.48498512496 - 320098.8202888171) / 320098.8202888171 × 100
- 321099.48498512496 = Zillow ZHVI, 2026-08
- 320098.8202888171 = Zillow ZHVI, 2026-07
noteMadison County, OH's price-to-rent ratio of 14.0 ranks 7th of 7 counties in the Columbus metro, against a median of 18.5.
Period 2026-08.Show the arithmetic
- 0 on the 0-to-100 scale across 7 counties in the Columbus metro that published priceToRent
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
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.