Morgan County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.62, -81.86.
Assembled 2026-10-06. Read the brief.
- 19th pct · 2,464th of 3,063 US counties · median $234,566
- 9th pct · 80th of 88 Ohio counties · median $219,740
- 78th pct · 649th of 3,063 US counties · median +2.9%
- 78th pct · 20th of 88 Ohio counties · median +4.2%
- US counties: not published this period
- Ohio counties: not published this period
- 22nd pct · 2,483rd of 3,221 US counties · median 8,232
- 2nd pct · 86th of 88 Ohio counties · median 20,657
- 37th pct · 2,010th of 3,221 US counties · median $1,039
- 16th pct · 74th of 88 Ohio counties · median $1,081
- 23rd pct · 2,355th of 3,063 US counties · median 4.3
- 18th pct · 72nd 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 $160,271 (Aug 2026), +5.8% over one year, +19.3% over five
- 19th pct · 2,464th of 3,063 US counties · median $234,566
- 9th pct · 80th of 88 Ohio counties · median $219,740
| Item | Value | Distance |
|---|---|---|
| Morgan County, OH | $160,271 · +5.8% 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 #
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 $877 a month on $160,271 at 7.28%, against an average weekly wage worth $4,260 a month: 20.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $160,271 × 80% = $128,216, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $877/mo principal and interest
- wage share = payment / (avg weekly wage $983 × 52 / 12 = $4,260) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $160,271 / ($983 × 52) = 3.1
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 #
2,811 jobs at 236 employers (2026 Q1); +2.2% jobs and -1.4% average weekly wage over the year
- 22nd pct · 2,483rd of 3,221 US counties · median 8,232
- 2nd pct · 86th of 88 Ohio counties · median 20,657
| Item | Value | Distance |
|---|---|---|
| Morgan County, OH | 2,811 jobs · $983/wk · +2.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 546 | $1,446 | 2.41 | -1.1% |
| Wholesale trade | 310 | $1,352 | 2.88 | +4.0% |
| Retail trade | 244 | $500 | 0.89 | -0.4% |
| Finance and insurance | 93 | $996 | 0.81 | +2.2% |
| Real estate and rental | 7 | $702 | 0.16 | +16.7% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Construction | withheld | |||
| Transportation and warehousing | withheld | |||
| Information | withheld | |||
| Professional and technical services | 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 #
60 gauges · 0 flooding · 5 with quality panels averaging 100 % · 8 stale
Sites found: 60, 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 |
|---|---|---|
| Muskingum River at McConnelsville OH | flow 2,830 ft³/s | 2 km |
| Muskingum River at McConnelsville | no flooding | 3 km |
| Muskingum River near Beverly OH | flow 1,230 ft³/s · STALE | 17 km |
| Sunday Creek at Tom Jenkins Dam (Burr Oak Lake) | no readings | 19 km |
| Sunday Creek at Tom Jenkins Dam | no readings | 19 km |
| Muskingum River at Beverly OH | flow 3,260 ft³/s · no flooding | 21 km |
| Sunday Creek near Burr Oak OH | stage 7.24 ft | 21 km |
| Sunday Creek at Glouster OH | stage 3.02 ft · no flooding | 24 km |
| Sunday Creek below Millfield OH | flow 11.6 ft³/s · STALE | 30 km |
| Salt Creek near Chandlersville OH | flow 3.56 ft³/s | 32 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), Mississippian 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-394845081462600 | depth 15.8 ft · 1981-09-17 | 22 km |
| USGS-394852081462002 | depth 2,859 ft · 1989-02-12 | 22 km |
| USGS-394852081462003 | depth 54.8 ft · 1980-04-16 | 22 km |
| USGS-394855081462702 | depth 17.5 ft · 1981-09-16 | 22 km |
| USGS-394859081462800 | depth 87.0 ft · 1976-12-07 | 23 km |
| USGS-394859081462801 | depth 103.8 ft · 1976-12-18 | 23 km |
| USGS-393241081353500 | depth 13.5 ft · 1998-04-24 | 25 km |
| USGS-394933081441701 | depth 28.2 ft · 2026-10-05 | 25 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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.00 / 0.55
Banks & federal dollars #
$243.1 m in deposits at 5 offices of 4 banks (SOD June 2026); HHI 2,890, highly concentrated. $89.8 m federal obligations in FY2026 (direct payments $86.9 m, grants $2.8 m), $31,962 per covered job
| Item | Value | Distance |
|---|---|---|
| The First National Bank of McConnelsville | $99.4 m · 40.9% share · 2 offices | |
| The Citizens National Bank of McConnelsville | $56.4 m · 23.2% share · 1 office | |
| Peoples Bank | $53.8 m · 22.1% share · 1 office | |
| Morgan, OH | $89.8 m FY2026 · $31,962/job | |
| MULTIPLE RECIPIENTS | $84.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The First National Bank of McConnelsville | $99,404,000 | 40.9% | 2 |
| The Citizens National Bank of McConnelsville | $56,386,000 | 23.2% | 1 |
| Peoples Bank | $53,817,000 | 22.1% | 1 |
| North Valley Bank | $33,474,000 | 13.8% | 1 |
Deposit concentration is 2,890 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 = 40.9² + 23.2² + 22.1² + … (1 more) = 2,890
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 | $72,508,307 |
| Department of Veterans Affairs | $11,473,639 |
| Department of Transportation | $2,061,146 |
| Department of Housing and Urban Development | $1,368,712 |
| Department of Agriculture | $1,124,097 |
| Federal Communications Commission | $892,327 |
| Railroad Retirement Board | $298,677 |
| Department of Defense | $118,519 |
That is $31,962 per covered job, against 2,811 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $89.8 m / 2,811 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $31,962
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 #
Morgan County, OH: 7 findings, 1 at a watch level and 6 noted
watchMorgan County, OH's average weekly wage is -1.4% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026 Q1.Show the arithmetic
- test: jobs.yoy.avgWeeklyWage = -1.4 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteMorgan County, OH's covered employment was 2.2% 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
- +2.2 % = 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
noteMorgan County, OH's average weekly wage was 1.4% lower 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
- -1.4 % = 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
noteMorgan County, OH's typical home value fell 0.4% from $160,953 in July 2026 to $160,271 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.4% = (160270.58497061126 - 160953.33006992107) / 160953.33006992107 × 100
- 160270.58497061126 = Zillow ZHVI, 2026-08
- 160953.33006992107 = Zillow ZHVI, 2026-07
noteMorgan County, OH's covered employment of 2,811 ranks 86th of 88 Ohio counties, against a median of 20,657.
Period 2026 Q1.Show the arithmetic
- 2 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
Read all 7 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.