Shelby County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.34, -84.20.
Assembled 2026-10-06. Read the brief.
- 55th pct · 1,372nd of 3,063 US counties · median $234,566
- 65th pct · 31st of 88 Ohio counties · median $219,740
- 89th pct · 327th of 3,063 US counties · median +2.9%
- 94th pct · 6th of 88 Ohio counties · median +4.2%
- 26th pct · 1,023rd of 1,399 US counties · median $1,496
- 44th pct · 29th of 51 Ohio counties · median $1,327
- 75th pct · 785th of 3,221 US counties · median 8,232
- 59th pct · 36th of 88 Ohio counties · median 20,657
- 74th pct · 826th of 3,221 US counties · median $1,039
- 71st pct · 25th of 88 Ohio counties · median $1,081
- 45th pct · 1,675th of 3,063 US counties · median 4.3
- 63rd pct · 33rd 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 $248,750 (Aug 2026), +7.6% over one year, +37.4% over five
- 55th pct · 1,372nd of 3,063 US counties · median $234,566
- 65th pct · 31st of 88 Ohio counties · median $219,740
| Item | Value | Distance |
|---|---|---|
| Shelby County, OH | $248,750 · +7.6% 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 #
Typical rent $1,260/mo (Aug 2026), +4.3% over one year; price-to-rent 16.5
- 26th pct · 1,023rd of 1,399 US counties · median $1,496
- 44th pct · 29th of 51 Ohio counties · median $1,327
| Item | Value | Distance |
|---|---|---|
| Shelby County, OH | $1,260/mo · +4.3% 1-yr |
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 $1,362 a month on $248,750 at 7.28%, against an average weekly wage worth $5,122 a month: 26.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $248,750 × 80% = $199,000, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,362/mo principal and interest
- wage share = payment / (avg weekly wage $1,182 × 52 / 12 = $5,122) = 27% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $248,750 / ($1,182 × 52) = 4.0
- price-to-rent = $248,750 / ($1,260 × 12) = 16.5
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 #
25,990 jobs at 1,165 employers (2026 Q1); -1.0% jobs and +3.3% average weekly wage over the year
- 75th pct · 785th of 3,221 US counties · median 8,232
- 59th pct · 36th of 88 Ohio counties · median 20,657
| Item | Value | Distance |
|---|---|---|
| Shelby County, OH | 25,990 jobs · $1,182/wk · -1.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 11,331 | $1,405 | 5.42 | -2.9% |
| Health care and social assistance | 1,866 | $1,052 | 0.48 | +0.0% |
| Retail trade | 1,777 | $658 | 0.70 | -0.3% |
| Administrative and waste services | 1,418 | $813 | 0.96 | -3.0% |
| Accommodation and food services | 1,411 | $313 | 0.60 | -5.7% |
| Wholesale trade | 1,175 | $1,239 | 1.18 | +3.6% |
| Other services | 594 | $591 | 0.76 | +5.5% |
| Professional and technical services | 452 | $1,638 | 0.25 | +4.1% |
| Finance and insurance | 271 | $1,549 | 0.26 | +3.4% |
| Educational services | 166 | $642 | 0.30 | +0.0% |
| Arts, entertainment and recreation | 81 | $406 | 0.19 | -11.0% |
| Management of companies | 73 | $1,550 | 0.17 | +247.6% |
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 #
49 gauges · 0 flooding · 5 with quality panels averaging 100 % · 11 stale
Sites found: 49, 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-03261500 | flow 249.0 ft³/s · no flooding | 7 km |
| USGS-03262000 | flow 130.0 ft³/s · no flooding | 14 km |
| USGS-03261890 | flow 13.0 ft³/s · STALE | 15 km |
| USGS-03261950 | flow 35.4 ft³/s | 16 km |
| USGS-402304084230100 | flow 0.89 ft³/s | 16 km |
| USGS-03262500 | flow 387.0 ft³/s · no flooding | 21 km |
| USGS-03260706 | flow 45.7 ft³/s | 25 km |
| USGS-03260700 | flow 18.0 ft³/s · STALE | 27 km |
| USGS-03260600 | flow 48.3 ft³/s · STALE | 28 km |
| USGS-402913084285400 | flow 2.64 ft³/s | 29 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 #
55 wells in 2 named aquifers: Silurian-Devonian aquifers, Sand and gravel aquifers (glaciated regions)
Sites found: 55, 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-401712084103500 | depth 55.6 ft · 1993-05-07 | 6 km |
| Silurian-Devonian aquifers | depth 57.2 ft · 2026-10-05 | 6 km |
| Silurian-Devonian aquifers | depth 61.3 ft · 2026-07-26 | 17 km |
| USGS-401122084143400 | depth 5.34 ft · 2026-10-05 | 17 km |
| Silurian-Devonian aquifers | depth 6.53 ft · 2026-07-06 | 31 km |
| USGS-400949083480100 | depth 8.81 ft · 2000-04-30 | 39 km |
| Silurian-Devonian aquifers | depth 73.0 ft · 2026-07-06 | 39 km |
| USGS-395848084085500 | depth 9.33 ft · 2005-11-22 | 40 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 #
$1.4 bn in deposits at 18 offices of 10 banks (SOD June 2026); HHI 1,625, moderately concentrated. $278.2 m federal obligations in FY2026 (direct payments $268.8 m, grants $7.1 m), $10,704 per covered job
| Item | Value | Distance |
|---|---|---|
| U.S. Bank National Association | $443.8 m · 30.7% share · 4 offices | |
| JPMorgan Chase Bank, National Association | $221.5 m · 15.3% share · 1 office | |
| First Bank Richmond | $161.0 m · 11.1% share · 2 offices | |
| Shelby, OH | $278.2 m FY2026 · $10,704/job | |
| MULTIPLE RECIPIENTS | $261.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| U.S. Bank National Association | $443,753,000 | 30.7% | 4 |
| JPMorgan Chase Bank, National Association | $221,525,000 | 15.3% | 1 |
| First Bank Richmond | $161,000,000 | 11.1% | 2 |
| The Farmers & Merchants State Bank | $140,273,000 | 9.7% | 3 |
| Minster Bank | $117,368,000 | 8.1% | 1 |
| First National Bank in New Bremen | $112,153,000 | 7.8% | 2 |
| Fifth Third Bank, National Association | $110,518,000 | 7.6% | 1 |
| Osgood Bank | $91,244,000 | 6.3% | 2 |
| PNC Bank, National Association | $33,341,000 | 2.3% | 1 |
| The Peoples Savings and Loan Company | $15,074,000 | 1.0% | 1 |
Deposit concentration is 1,625 across 10 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 30.7² + 15.3² + 11.1² + … (7 more) = 1,625
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 | $239,601,699 |
| Department of Veterans Affairs | $21,161,740 |
| Department of Agriculture | $8,877,562 |
| Department of Transportation | $5,419,931 |
| Department of Education | $1,721,277 |
| Railroad Retirement Board | $608,052 |
| Department of Housing and Urban Development | $478,242 |
| Federal Communications Commission | $186,965 |
| Department of Defense | $149,428 |
| Department of Energy | $0 |
| Small Business Administration | $0 |
That is $10,704 per covered job, against 25,990 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $278.2 m / 25,990 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $10,704
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 #
Shelby County, OH: 7 findings, 1 at a watch level and 6 noted
watchShelby 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
noteShelby County, OH's average weekly wage was 3.3% 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
- +3.3 % = 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
noteShelby 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
noteShelby County, OH's typical home value rose 0.5% from $247,552 in July 2026 to $248,750 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.5% = (248750.31427250148 - 247551.8582173159) / 247551.8582173159 × 100
- 248750.31427250148 = Zillow ZHVI, 2026-08
- 247551.8582173159 = Zillow ZHVI, 2026-07
noteShelby County, OH's typical home value of +7.6% ranks 6th of 88 Ohio counties, against a median of +4.2%.
Period 2026-08.Show the arithmetic
- 94 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
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.