Putnam County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.02, -84.13.
Assembled 2026-10-06. Read the brief.
- 59th pct · 1,244th of 3,063 US counties · median $234,566
- 71st pct · 26th of 88 Ohio counties · median $219,740
- 93rd pct · 199th of 3,063 US counties · median +2.9%
- 100th pct · 1st of 88 Ohio counties · median +4.2%
- US counties: not published this period
- Ohio counties: not published this period
- 59th pct · 1,294th of 3,221 US counties · median 8,232
- 29th pct · 62nd of 88 Ohio counties · median 20,657
- 52nd pct · 1,540th of 3,221 US counties · median $1,039
- 35th pct · 57th of 88 Ohio counties · median $1,081
- 60th pct · 1,203rd of 3,063 US counties · median 4.3
- 80th pct · 18th 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 $261,694 (Aug 2026), +9.0% over one year, +38.8% over five
- 59th pct · 1,244th of 3,063 US counties · median $234,566
- 71st pct · 26th of 88 Ohio counties · median $219,740
| Item | Value | Distance |
|---|---|---|
| Putnam County, OH | $261,694 · +9.0% 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 $1,432 a month on $261,694 at 7.28%, against an average weekly wage worth $4,541 a month: 31.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $261,694 × 80% = $209,355, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,432/mo principal and interest
- wage share = payment / (avg weekly wage $1,048 × 52 / 12 = $4,541) = 32% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $261,694 / ($1,048 × 52) = 4.8
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 #
12,367 jobs at 856 employers (2026 Q1); +1.7% jobs and +1.1% average weekly wage over the year
- 59th pct · 1,294th of 3,221 US counties · median 8,232
- 29th pct · 62nd of 88 Ohio counties · median 20,657
| Item | Value | Distance |
|---|---|---|
| Putnam County, OH | 12,367 jobs · $1,048/wk · +1.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 4,040 | $1,461 | 4.06 | +1.7% |
| Retail trade | 1,093 | $652 | 0.91 | -8.6% |
| Construction | 1,068 | $1,260 | 1.65 | +4.8% |
| Accommodation and food services | 959 | $223 | 0.86 | +2.7% |
| Other services | 479 | $371 | 1.30 | +7.2% |
| Wholesale trade | 415 | $1,413 | 0.88 | -1.2% |
| Finance and insurance | 304 | $1,490 | 0.60 | +7.4% |
| Professional and technical services | 239 | $918 | 0.28 | -4.4% |
| Agriculture, forestry, fishing | 141 | $840 | 1.58 | -2.1% |
| Arts, entertainment and recreation | 103 | $208 | 0.51 | +33.8% |
| Information | 50 | $1,705 | 0.22 | +13.6% |
| Real estate and rental | 27 | $873 | 0.14 | -6.9% |
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 #
$1.3 bn in deposits at 17 offices of 6 banks (SOD June 2026); HHI 2,200, highly concentrated. $207.1 m federal obligations in FY2026 (direct payments $193.9 m, grants $13.1 m), $16,742 per covered job
| Item | Value | Distance |
|---|---|---|
| The Union Bank Company | $445.8 m · 35.1% share · 4 offices | |
| The Fort Jennings State Bank | $247.2 m · 19.5% share · 7 offices | |
| The Huntington National Bank | $224.1 m · 17.6% share · 2 offices | |
| Putnam, OH | $207.1 m FY2026 · $16,742/job | |
| MULTIPLE RECIPIENTS | $190.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Union Bank Company | $445,771,000 | 35.1% | 4 |
| The Fort Jennings State Bank | $247,227,000 | 19.5% | 7 |
| The Huntington National Bank | $224,117,000 | 17.6% | 2 |
| WesBanco Bank, Inc. | $150,400,000 | 11.8% | 1 |
| The First National Bank of Pandora | $129,539,000 | 10.2% | 2 |
| The Ottoville Bank Company | $72,936,000 | 5.7% | 1 |
Deposit concentration is 2,200 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 35.1² + 19.5² + 17.6² + … (3 more) = 2,200
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 | $177,411,292 |
| Department of Transportation | $12,718,332 |
| Department of Veterans Affairs | $11,853,876 |
| Department of Agriculture | $2,835,500 |
| Railroad Retirement Board | $1,499,504 |
| Department of Education | $320,779 |
| Department of Housing and Urban Development | $248,020 |
| Federal Communications Commission | $134,133 |
| Department of Defense | $29,300 |
| Department of Energy | $0 |
That is $16,742 per covered job, against 12,367 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $207.1 m / 12,367 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,742
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 #
Putnam County, OH: 6 findings, 6 noted
notePutnam County, OH's covered employment was 1.7% 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
- +1.7 % = 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
notePutnam County, OH's average weekly wage was 1.1% 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
- +1.1 % = 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
notePutnam County, OH's typical home value rose 0.5% from $260,510 in July 2026 to $261,694 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.5% = (261694.37079057307 - 260510.31453217028) / 260510.31453217028 × 100
- 261694.37079057307 = Zillow ZHVI, 2026-08
- 260510.31453217028 = Zillow ZHVI, 2026-07
notePutnam County, OH's typical home value of +9.0% ranks 1st of 88 Ohio counties, against a median of +4.2%.
Period 2026-08.Show the arithmetic
- 100 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
notePutnam County, OH's typical home value of +9.0% ranks 199th of 3,063 US counties, against a median of +2.9%.
Period 2026-08.Show the arithmetic
- 94 on the 0-to-100 scale across 3063 US counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
Read all 6 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.