Seneca County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.12, -83.13.
Assembled 2026-10-06. Read the brief.
- 29th pct · 2,159th of 3,063 US counties · median $234,566
- 21st pct · 69th of 88 Ohio counties · median $219,740
- 64th pct · 1,088th of 3,063 US counties · median +2.9%
- 51st pct · 43rd of 88 Ohio counties · median +4.2%
- US counties: not published this period
- Ohio counties: not published this period
- 69th pct · 985th of 3,221 US counties · median 8,232
- 41st pct · 52nd of 88 Ohio counties · median 20,657
- 39th pct · 1,945th of 3,221 US counties · median $1,039
- 17th pct · 73rd of 88 Ohio counties · median $1,081
- 32nd pct · 2,065th of 3,063 US counties · median 4.3
- 37th pct · 55th 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 $182,598 (Aug 2026), +4.3% over one year, +24.7% over five
- 29th pct · 2,159th of 3,063 US counties · median $234,566
- 21st pct · 69th of 88 Ohio counties · median $219,740
| Item | Value | Distance |
|---|---|---|
| Seneca County, OH | $182,598 · +4.3% 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 $999 a month on $182,598 at 7.28%, against an average weekly wage worth $4,303 a month: 23.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $182,598 × 80% = $146,079, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $999/mo principal and interest
- wage share = payment / (avg weekly wage $993 × 52 / 12 = $4,303) = 23% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $182,598 / ($993 × 52) = 3.5
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 #
18,371 jobs at 1,252 employers (2026 Q1); -1.0% jobs and +0.6% average weekly wage over the year
- 69th pct · 985th of 3,221 US counties · median 8,232
- 41st pct · 52nd of 88 Ohio counties · median 20,657
| Item | Value | Distance |
|---|---|---|
| Seneca County, OH | 18,371 jobs · $993/wk · -1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 4,246 | $1,314 | 2.87 | -3.5% |
| Health care and social assistance | 2,258 | $954 | 0.82 | +2.0% |
| Retail trade | 2,172 | $659 | 1.21 | -3.9% |
| Accommodation and food services | 2,021 | $332 | 1.22 | +1.2% |
| Construction | 839 | $1,199 | 0.87 | +0.0% |
| Educational services | 819 | $799 | 2.07 | +33.4% |
| Other services | 567 | $508 | 1.03 | -10.6% |
| Wholesale trade | 561 | $1,316 | 0.80 | -9.8% |
| Transportation and warehousing | 507 | $1,054 | 0.65 | +10.7% |
| Administrative and waste services | 471 | $1,019 | 0.45 | +2.2% |
| Mining, oil and gas | 158 | $1,442 | 2.42 | +6.0% |
| Information | 136 | $648 | 0.40 | +0.0% |
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 #
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 · 16 with quality panels averaging 95 % · 25 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 7.58 ft³/s · quality 60 % (5) · no flooding | 47 km |
| Rock Creek at Tiffin OH | flow 2.91 ft³/s | 3 km |
| Sandusky River at Tiffin OH | flow 124.0 ft³/s · no flooding | 4 km |
| Honey Creek at Melmore OH | flow 9.44 ft³/s | 11 km |
| Wolf Creek near Kansas OH | flow 8.21 ft³/s · STALE | 17 km |
| Sandusky River near Fremont OH | flow 111.0 ft³/s · quality 100 % (1) · no flooding | 21 km |
| USGS-412122083061400 | flow 777.0 ft³/s · quality 88 % (4) · STALE | 26 km |
| Tymochtee Creek at Crawford OH | flow 31.3 ft³/s · no flooding | 29 km |
| Sandusky River near Upper Sandusky OH | flow 34.7 ft³/s · no flooding | 32 km |
| Ground Water near Bellevue | no readings | 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 #
22 wells in 2 named aquifers: Silurian-Devonian aquifers, Sand and gravel aquifers (glaciated regions)
Sites found: 22, 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 20.3 ft · 2026-07-12 | 3 km |
| Silurian-Devonian aquifers | depth 17.5 ft · 2026-07-12 | 23 km |
| Silurian-Devonian aquifers | depth 6.71 ft · 2026-07-12 | 32 km |
| USGS-411819082493900 | depth 53.2 ft · 2026-10-05 | 32 km |
| Silurian-Devonian aquifers | depth 28.5 ft · 2026-07-12 | 34 km |
| Sand and gravel aquifers (glaciated regions) | depth 19.1 ft · 2026-07-13 | 38 km |
| USGS-412703083213600 | depth 24.5 ft · 2007-06-12 | 42 km |
| Silurian-Devonian aquifers | depth 19.7 ft · 2026-07-12 | 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 + 0.2×0.05 / 0.55
Banks & federal dollars #
$2.4 bn in deposits at 20 offices of 12 banks (SOD June 2026); HHI 2,929, highly concentrated. $413.3 m federal obligations in FY2026 (direct payments $331.3 m, contracts $69.0 m), $22,498 per covered job
| Item | Value | Distance |
|---|---|---|
| Sutton Bank | $1.2 bn · 50.4% share · 2 offices | |
| The Old Fort Banking Company | $367.8 m · 15.2% share · 4 offices | |
| Fifth Third Bank, National Association | $194.8 m · 8.1% share · 2 offices | |
| Seneca, OH | $413.3 m FY2026 · $22,498/job | |
| MULTIPLE RECIPIENTS | $317.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Sutton Bank | $1,218,624,000 | 50.4% | 2 |
| The Old Fort Banking Company | $367,787,000 | 15.2% | 4 |
| Fifth Third Bank, National Association | $194,795,000 | 8.1% | 2 |
| First Bank of Ohio | $136,072,000 | 5.6% | 2 |
| WesBanco Bank, Inc. | $83,022,000 | 3.4% | 1 |
| PNC Bank, National Association | $80,348,000 | 3.3% | 1 |
| The Croghan Colonial Bank | $78,889,000 | 3.3% | 2 |
| The First National Bank of Sycamore | $73,283,000 | 3.0% | 2 |
| U.S. Bank National Association | $71,986,000 | 3.0% | 1 |
| The Huntington National Bank | $58,019,000 | 2.4% | 1 |
Deposit concentration is 2,929 across 12 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 12 banks with deposits in the county = 50.4² + 15.2² + 8.1² + … (9 more) = 2,929
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 | $288,760,162 |
| Department of Veterans Affairs | $94,087,057 |
| Department of Transportation | $9,365,524 |
| Department of Education | $7,112,763 |
| Department of Agriculture | $6,404,534 |
| Railroad Retirement Board | $3,677,056 |
| Department of Health and Human Services | $2,233,318 |
| Department of Housing and Urban Development | $1,310,485 |
| Federal Communications Commission | $333,396 |
| Department of Justice | $17,565 |
| Department of Defense | $15,537 |
| Small Business Administration | $0 |
That is $22,498 per covered job, against 18,371 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $413.3 m / 18,371 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,498
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 #
Seneca County, OH: 5 findings, 1 at a watch level and 4 noted
watchSeneca County, OH's covered employment is -1.0% 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 = -1 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteSeneca County, OH's covered employment was 1.0% 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 % = 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
noteSeneca County, OH's average weekly wage was 0.6% 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
- +0.6 % = 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
noteSeneca County, OH's typical home value rose 0.3% from $181,961 in July 2026 to $182,598 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (182598.28767631747 - 181961.48274048572) / 181961.48274048572 × 100
- 182598.28767631747 = Zillow ZHVI, 2026-08
- 181961.48274048572 = Zillow ZHVI, 2026-07
noteThe next Zillow ZHVI typical home value (monthly) covering Seneca County, OH is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.