Monroe County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.73, -81.09.
Assembled 2026-10-06. Read the brief.
- 17th pct · 2,518th of 3,063 US counties · median $234,566
- 8th pct · 81st of 88 Ohio counties · median $219,740
- 89th pct · 321st of 3,063 US counties · median +2.9%
- 95th pct · 5th of 88 Ohio counties · median +4.2%
- US counties: not published this period
- Ohio counties: not published this period
- 22nd pct · 2,500th of 3,221 US counties · median 8,232
- 1st pct · 87th 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
- 25th pct · 2,269th of 3,063 US counties · median 4.3
- 28th pct · 63rd 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 $155,436 (Aug 2026), +7.6% over one year, +15.1% over five
- 17th pct · 2,518th of 3,063 US counties · median $234,566
- 8th pct · 81st of 88 Ohio counties · median $219,740
| Item | Value | Distance |
|---|---|---|
| Monroe County, OH | $155,436 · +7.6% 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 $851 a month on $155,436 at 7.28%, against an average weekly wage worth $4,004 a month: 21.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $155,436 × 80% = $124,349, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $851/mo principal and interest
- wage share = payment / (avg weekly wage $924 × 52 / 12 = $4,004) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $155,436 / ($924 × 52) = 3.2
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 #
2,742 jobs at 338 employers (2026 Q1); +0.5% jobs and +0.7% average weekly wage over the year
- 22nd pct · 2,500th of 3,221 US counties · median 8,232
- 1st pct · 87th of 88 Ohio counties · median 20,657
| Item | Value | Distance |
|---|---|---|
| Monroe County, OH | 2,742 jobs · $924/wk · +0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 305 | $471 | 1.14 | +4.8% |
| Transportation and warehousing | 189 | $1,466 | 1.64 | +6.2% |
| Administrative and waste services | 113 | $642 | 0.73 | +52.7% |
| Finance and insurance | 101 | $944 | 0.90 | -3.8% |
| Wholesale trade | 48 | $1,732 | 0.46 | +2.1% |
| Utilities | 40 | $2,960 | 3.69 | +2.6% |
| Real estate and rental | 15 | $1,282 | 0.36 | -16.7% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Construction | withheld | |||
| Manufacturing | withheld | |||
| Information | withheld |
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 #
55 gauges · 0 flooding · 10 with quality panels averaging 83 % · 11 stale
Sites found: 55, 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 |
|---|---|---|
| Brushy Fork above Clendening Lake OH | stage 1.71 ft · quality 50 % (2) | 58 km |
| Standingstone Fork above Tappan Lake OH | stage 4.66 ft · quality 50 % (2) | 65 km |
| Stillwater Creek above Piedmont Lake OH | stage 1.45 ft · quality 50 % (2) | 40 km |
| Sunfish Creek at Cameron OH | flow 6.21 ft³/s · STALE | 14 km |
| OHIO RIVER AT HANNIBAL LOCK AND DAM (UPPER), OH | stage 13.2 ft | 20 km |
| OHIO RIVER AT HANNIBAL LOCK AND DAM (LOWER), OH | stage 12.9 ft | 20 km |
| Little Muskingum River at Bloomfield OH | flow 40.1 ft³/s | 21 km |
| OHIO RIVER ABOVE SARDIS, OH | flow 13,100 ft³/s | 21 km |
| Captina Creek at S.R. 148 at Armstrongs Mills OH | flow 50.1 ft³/s | 24 km |
| South Fork above Senecaville Lake OH | stage 3.69 ft · quality 100 % (2) | 25 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 #
58 wells in 2 named aquifers: Sand and gravel aquifers (glaciated regions), Pennsylvanian aquifers
Sites found: 58, 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-393211081021201 | depth 18.9 ft · 1995-10-01 | 22 km |
| Pennsylvanian aquifers | depth 28.5 ft · 2026-07-21 | 33 km |
| USGS-395505081282900 | depth 35.7 ft · 1978-07-19 | 39 km |
| USGS-395418081300300 | depth 23.4 ft · 1978-08-16 | 40 km |
| USGS-395502081300300 | depth 20.9 ft · 1978-12-15 | 41 km |
| USGS-395521081301700 | depth 23.2 ft · 1978-11-03 | 42 km |
| USGS-395637081291500 | depth 13.0 ft · 1978-08-19 | 42 km |
| USGS-395508081312800 | depth 6.45 ft · 1978-05-25 | 43 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 (0.06)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.18 / 0.55
Banks & federal dollars #
$377.3 m in deposits at 5 offices of 4 banks (SOD June 2026); HHI 2,706, highly concentrated. $98.3 m federal obligations in FY2026 (direct payments $91.5 m, grants $6.8 m), $35,864 per covered job
| Item | Value | Distance |
|---|---|---|
| WesBanco Bank, Inc. | $132.7 m · 35.2% share · 1 office | |
| The Citizens National Bank of Woodsfield | $106.1 m · 28.1% share · 2 offices | |
| Woodsfield Savings Bank | $75.0 m · 19.9% share · 1 office | |
| Monroe, OH | $98.3 m FY2026 · $35,864/job | |
| MULTIPLE RECIPIENTS | $89.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| WesBanco Bank, Inc. | $132,654,000 | 35.2% | 1 |
| The Citizens National Bank of Woodsfield | $106,123,000 | 28.1% | 2 |
| Woodsfield Savings Bank | $75,049,000 | 19.9% | 1 |
| The Peoples Savings Bank | $63,468,000 | 16.8% | 1 |
Deposit concentration is 2,706 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 35.2² + 28.1² + 19.9² + … (1 more) = 2,706
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 | $81,828,443 |
| Department of Veterans Affairs | $7,496,456 |
| Department of Transportation | $3,928,714 |
| Department of Health and Human Services | $2,806,252 |
| Department of Agriculture | $911,760 |
| Federal Communications Commission | $725,934 |
| Railroad Retirement Board | $315,114 |
| Department of Housing and Urban Development | $300,075 |
| Department of Education | $27,499 |
| Department of Defense | $0 |
That is $35,864 per covered job, against 2,742 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $98.3 m / 2,742 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $35,864
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 #
Monroe County, OH: 8 findings, 8 noted
noteMonroe County, OH's average weekly wage was 0.7% 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
- +0.7 % = 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
noteMonroe County, OH's covered employment was 0.5% 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
- +0.5 % = 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
noteMonroe County, OH's typical home value rose 0.3% from $154,973 in July 2026 to $155,436 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (155435.70597903695 - 154972.87299305885) / 154972.87299305885 × 100
- 155435.70597903695 = Zillow ZHVI, 2026-08
- 154972.87299305885 = Zillow ZHVI, 2026-07
noteMonroe County, OH's covered employment of 2,742 ranks 87th of 88 Ohio counties, against a median of 20,657.
Period 2026 Q1.Show the arithmetic
- 1 on the 0-to-100 scale across 88 Ohio counties that published jobs.emp
position among the entities that published this metric this period; not an official level
noteMonroe County, OH's typical home value of +7.6% ranks 5th of 88 Ohio counties, against a median of +4.2%.
Period 2026-08.Show the arithmetic
- 95 on the 0-to-100 scale across 88 Ohio counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
Read all 8 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.