Morrow County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.53, -82.80.
Assembled 2026-10-06. Read the brief.
- 66th pct · 1,042nd of 3,063 US counties · median $234,566
- 81st pct · 17th of 88 Ohio counties · median $219,740
- 11th pct · 9th of 10 counties in the Columbus metro · median $325,620
- 66th pct · 1,019th of 3,063 US counties · median +2.9%
- 56th pct · 39th of 88 Ohio counties · median +4.2%
- 100th pct · 1st of 10 counties in the Columbus metro · median +1.9%
- US counties: not published this period
- Ohio counties: not published this period
- counties in the Columbus metro: not published this period
- 38th pct · 1,981st of 3,221 US counties · median 8,232
- 8th pct · 81st of 88 Ohio counties · median 20,657
- 0th pct · 10th of 10 counties in the Columbus metro · median 29,630
- 23rd pct · 2,471st of 3,221 US counties · median $1,039
- 4th pct · 84th of 88 Ohio counties · median $1,081
- 11th pct · 9th of 10 counties in the Columbus metro · median $1,115
- 78th pct · 655th of 3,063 US counties · median 4.3
- 95th pct · 5th of 88 Ohio counties · median 3.7
- 77th pct · 3rd 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 $286,075 (Aug 2026), +4.5% over one year, +16.4% over five
- 66th pct · 1,042nd of 3,063 US counties · median $234,566
- 81st pct · 17th of 88 Ohio counties · median $219,740
- 11th pct · 9th of 10 counties in the Columbus metro · median $325,620
| Item | Value | Distance |
|---|---|---|
| Morrow County, OH | $286,075 · +4.5% 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
- counties in the Columbus metro: 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 $1,566 a month on $286,075 at 7.28%, against an average weekly wage worth $3,991 a month: 39.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $286,075 × 80% = $228,860, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,566/mo principal and interest
- wage share = payment / (avg weekly wage $921 × 52 / 12 = $3,991) = 39% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $286,075 / ($921 × 52) = 6.0
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 #
5,289 jobs at 564 employers (2026 Q1); +0.9% jobs and +4.8% average weekly wage over the year
- 38th pct · 1,981st of 3,221 US counties · median 8,232
- 8th pct · 81st of 88 Ohio counties · median 20,657
- 0th pct · 10th of 10 counties in the Columbus metro · median 29,630
| Item | Value | Distance |
|---|---|---|
| Morrow County, OH | 5,289 jobs · $921/wk · +0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 716 | $878 | 0.90 | +0.0% |
| Manufacturing | 686 | $1,267 | 1.61 | -4.1% |
| Retail trade | 629 | $574 | 1.22 | +2.3% |
| Accommodation and food services | 400 | $365 | 0.84 | -4.3% |
| Construction | 392 | $1,058 | 1.41 | -4.4% |
| Administrative and waste services | 168 | $733 | 0.56 | -14.7% |
| Other services | 126 | $787 | 0.80 | +6.8% |
| Agriculture, forestry, fishing | 118 | $763 | 3.09 | +4.4% |
| Wholesale trade | 105 | $1,362 | 0.52 | -5.4% |
| Arts, entertainment and recreation | 97 | $667 | 1.11 | +10.2% |
| Finance and insurance | 83 | $1,350 | 0.39 | +9.2% |
| Mining, oil and gas | 10 | $1,512 | 0.53 | -50.0% |
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 #
$343.5 m in deposits at 6 offices of 5 banks (SOD June 2026); HHI 2,129, highly concentrated. $205.9 m federal obligations in FY2026 (direct payments $201.7 m, grants $4.2 m), $38,926 per covered job
| Item | Value | Distance |
|---|---|---|
| The Park National Bank | $94.2 m · 27.4% share · 1 office | |
| JPMorgan Chase Bank, National Association | $85.1 m · 24.8% share · 1 office | |
| U.S. Bank National Association | $57.7 m · 16.8% share · 1 office | |
| Morrow, OH | $205.9 m FY2026 · $38,926/job | |
| MULTIPLE RECIPIENTS | $197.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Park National Bank | $94,169,000 | 27.4% | 1 |
| JPMorgan Chase Bank, National Association | $85,145,000 | 24.8% | 1 |
| U.S. Bank National Association | $57,716,000 | 16.8% | 1 |
| CNB Bank | $55,447,000 | 16.1% | 1 |
| First Federal Bank of Ohio | $51,029,000 | 14.9% | 2 |
Deposit concentration is 2,129 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 27.4² + 24.8² + 16.8² + … (2 more) = 2,129
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 | $179,528,774 |
| Department of Veterans Affairs | $17,051,867 |
| Department of Transportation | $4,196,572 |
| Department of Agriculture | $3,128,110 |
| Department of Housing and Urban Development | $921,698 |
| Railroad Retirement Board | $885,226 |
| Federal Communications Commission | $220,889 |
| Small Business Administration | $0 |
| Department of Defense | -$52,544 |
That is $38,926 per covered job, against 5,289 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $205.9 m / 5,289 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $38,926
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 #
Morrow County, OH: 10 findings, 1 at a watch level and 9 noted
watchMorrow County, OH's covered employment of 5,289 scores 39 on the 0-to-100 scale across US counties but 8 across Ohio counties, a gap of 30 points.
Period 2026 Q1.Show the arithmetic
- 30 = |39 across US counties - 8 across Ohio counties|
position among the entities that published this metric this period; not an official level
noteMorrow County, OH's average weekly wage was 4.8% 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
- +4.8 % = 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
noteMorrow County, OH's covered employment was 0.9% 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
- +0.9 % = 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
noteMorrow County, OH's typical home value rose 0.6% from $284,318 in July 2026 to $286,075 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.6% = (286075.29204799316 - 284317.621109624) / 284317.621109624 × 100
- 286075.29204799316 = Zillow ZHVI, 2026-08
- 284317.621109624 = Zillow ZHVI, 2026-07
noteMorrow County, OH's typical home value of +4.5% ranks 1st of 10 counties in the Columbus metro, against a median of +1.9%.
Period 2026-08.Show the arithmetic
- 100 on the 0-to-100 scale across 10 counties in the Columbus metro that published home.yoyPct
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.