Sandusky County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.36, -83.14.
Assembled 2026-10-06. Read the brief.
- 32nd pct · 2,061st of 3,063 US counties · median $234,566
- 29th pct · 62nd of 88 Ohio counties · median $219,740
- 69th pct · 937th of 3,063 US counties · median +2.9%
- 59th pct · 36th of 88 Ohio counties · median +4.2%
- US counties: not published this period
- Ohio counties: not published this period
- 74th pct · 830th of 3,221 US counties · median 8,232
- 55th pct · 40th of 88 Ohio counties · median 20,657
- 54th pct · 1,464th of 3,221 US counties · median $1,039
- 40th pct · 52nd of 88 Ohio counties · median $1,081
- 30th pct · 2,127th of 3,063 US counties · median 4.3
- 32nd pct · 60th 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 $189,877 (Aug 2026), +4.7% over one year, +31.7% over five
- 32nd pct · 2,061st of 3,063 US counties · median $234,566
- 29th pct · 62nd of 88 Ohio counties · median $219,740
| Item | Value | Distance |
|---|---|---|
| Sandusky County, OH | $189,877 · +4.7% 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 $1,039 a month on $189,877 at 7.28%, against an average weekly wage worth $4,589 a month: 22.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $189,877 × 80% = $151,901, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,039/mo principal and interest
- wage share = payment / (avg weekly wage $1,059 × 52 / 12 = $4,589) = 23% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $189,877 / ($1,059 × 52) = 3.4
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 #
23,723 jobs at 1,447 employers (2026 Q1); -3.2% jobs and +3.0% average weekly wage over the year
- 74th pct · 830th of 3,221 US counties · median 8,232
- 55th pct · 40th of 88 Ohio counties · median 20,657
| Item | Value | Distance |
|---|---|---|
| Sandusky County, OH | 23,723 jobs · $1,059/wk · -3.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 7,532 | $1,362 | 3.95 | -8.3% |
| Retail trade | 2,484 | $702 | 1.07 | +0.2% |
| Accommodation and food services | 2,034 | $348 | 0.95 | +1.2% |
| Construction | 1,042 | $1,355 | 0.84 | +4.1% |
| Administrative and waste services | 783 | $771 | 0.58 | -3.1% |
| Other services | 627 | $643 | 0.88 | -7.4% |
| Transportation and warehousing | 625 | $1,145 | 0.63 | -1.1% |
| Professional and technical services | 587 | $957 | 0.36 | +6.0% |
| Wholesale trade | 490 | $1,253 | 0.54 | +0.0% |
| Finance and insurance | 475 | $1,546 | 0.49 | -3.3% |
| Management of companies | 271 | $1,929 | 0.68 | -3.2% |
| Real estate and rental | 210 | $935 | 0.58 | -18.9% |
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 #
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 #
58 gauges · 0 flooding · 17 with quality panels averaging 96 % · 26 stale
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 |
|---|---|---|
| Eagle Creek above Findlay OH | flow 7.62 ft³/s · quality 60 % (5) · no flooding | 60 km |
| USGS-412122083061400 | flow 777.0 ft³/s · quality 88 % (4) · STALE | 3 km |
| Sandusky River near Fremont OH | flow 111.0 ft³/s · quality 100 % (1) · no flooding | 5 km |
| Portage River near Elmore OH | flow 26.8 ft³/s · no flooding | 17 km |
| Bayou Ditch near Oak Harbor OH | flow 0.08 ft³/s · STALE | 18 km |
| Lacarpe Creek near Oak Harbor OH | flow 0.13 ft³/s · STALE | 19 km |
| Wolf Creek near Kansas OH | flow 8.21 ft³/s · STALE | 20 km |
| Portage River at Woodville OH | flow 18.8 ft³/s · quality 90 % (5) · no flooding | 21 km |
| Ground Water near Bellevue | no readings | 27 km |
| Rock Creek at Tiffin OH | flow 2.91 ft³/s | 27 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 #
25 wells in 2 named aquifers: Silurian-Devonian aquifers, Sand and gravel aquifers (glaciated regions)
Sites found: 25, 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 17.5 ft · 2026-07-12 | 6 km |
| USGS-412703083213600 | depth 24.5 ft · 2007-06-12 | 21 km |
| Silurian-Devonian aquifers | depth 19.7 ft · 2026-07-12 | 21 km |
| Silurian-Devonian aquifers | depth 20.3 ft · 2026-07-12 | 25 km |
| USGS-411819082493900 | depth 53.2 ft · 2026-10-05 | 27 km |
| USGS-413644083201900 | depth 16.6 ft · 1980-01-31 | 33 km |
| Silurian-Devonian aquifers | depth 11.4 ft · 2026-07-12 | 36 km |
| USGS-413629083304400 | depth 57.7 ft · 1988-06-08 | 42 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 (0.02)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.04 / 0.55
Banks & federal dollars #
$1.1 bn in deposits at 19 offices of 10 banks (SOD June 2026); HHI 2,760, highly concentrated. $490.3 m federal obligations in FY2026 (direct payments $378.1 m, contracts $77.1 m), $20,666 per covered job
| Item | Value | Distance |
|---|---|---|
| The Croghan Colonial Bank | $541.5 m · 47.5% share · 7 offices | |
| The Huntington National Bank | $183.9 m · 16.1% share · 2 offices | |
| The Old Fort Banking Company | $109.9 m · 9.6% share · 2 offices | |
| Sandusky, OH | $490.3 m FY2026 · $20,666/job | |
| MULTIPLE RECIPIENTS | $363.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Croghan Colonial Bank | $541,502,000 | 47.5% | 7 |
| The Huntington National Bank | $183,922,000 | 16.1% | 2 |
| The Old Fort Banking Company | $109,870,000 | 9.6% | 2 |
| Fifth Third Bank, National Association | $100,163,000 | 8.8% | 1 |
| The Union Bank Company | $56,188,000 | 4.9% | 1 |
| U.S. Bank National Association | $52,166,000 | 4.6% | 1 |
| KeyBank National Association | $47,109,000 | 4.1% | 1 |
| The First National Bank of Bellevue | $28,825,000 | 2.5% | 2 |
| The Genoa Banking Company | $17,500,000 | 1.5% | 1 |
| Woodforest National Bank | $2,331,000 | 0.2% | 1 |
Deposit concentration is 2,760 across 10 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 47.5² + 16.1² + 9.6² + … (7 more) = 2,760
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 | $332,685,272 |
| National Aeronautics and Space Administration | $75,749,543 |
| Department of Veterans Affairs | $27,605,689 |
| Department of Health and Human Services | $17,074,575 |
| Department of Transportation | $15,635,714 |
| Department of Agriculture | $6,950,261 |
| Department of Housing and Urban Development | $6,399,163 |
| Railroad Retirement Board | $4,273,301 |
| Department of Education | $2,853,682 |
| Federal Communications Commission | $771,166 |
| Department of Homeland Security | $173,472 |
| Department of the Interior | $97,709 |
That is $20,666 per covered job, against 23,723 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $490.3 m / 23,723 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,666
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 | -88,576.00 | 2026-07-01 | -24.4% |
| 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 #
Sandusky County, OH: 7 findings, 1 at an alert level, 1 at a watch level and 5 noted
alertSandusky County, OH's covered employment is -3.2% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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.emp = -3.2 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchSandusky County, OH's covered employment is -3.2% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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.emp = -3.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteSandusky County, OH's covered employment was 3.2% 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
- -3.2 % = 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
noteSandusky County, OH's average weekly wage was 3.0% 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
- +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
noteSandusky County, OH's momentum index of -0.04 ranks 84th of 88 Ohio counties, against a median of 0.33.
Period 2026-08.Show the arithmetic
- 5 on the 0-to-100 scale across 88 Ohio counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
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.