Union County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.30, -83.37.
Assembled 2026-10-06. Read the brief.
- 87th pct · 397th of 3,063 US counties · median $234,566
- 98th pct · 2nd of 88 Ohio counties · median $219,740
- 88th pct · 2nd of 10 counties in the Columbus metro · median $325,620
- 38th pct · 1,896th of 3,063 US counties · median +2.9%
- 10th pct · 79th of 88 Ohio counties · median +4.2%
- 44th pct · 6th of 10 counties in the Columbus metro · median +1.9%
- 62nd pct · 526th of 1,399 US counties · median $1,496
- 82nd pct · 10th of 51 Ohio counties · median $1,327
- 50th pct · 4th of 7 counties in the Columbus metro · median $1,648
- 79th pct · 655th of 3,221 US counties · median 8,232
- 66th pct · 30th of 88 Ohio counties · median 20,657
- 55th pct · 5th of 10 counties in the Columbus metro · median 29,630
- 89th pct · 343rd of 3,221 US counties · median $1,039
- 91st pct · 8th of 88 Ohio counties · median $1,081
- 77th pct · 3rd of 10 counties in the Columbus metro · median $1,115
- 74th pct · 781st of 3,063 US counties · median 4.3
- 93rd pct · 7th of 88 Ohio counties · median 3.7
- 55th pct · 5th 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 $410,711 (Aug 2026), +1.9% over one year, +24.0% over five
- 87th pct · 397th of 3,063 US counties · median $234,566
- 98th pct · 2nd of 88 Ohio counties · median $219,740
- 88th pct · 2nd of 10 counties in the Columbus metro · median $325,620
| Item | Value | Distance |
|---|---|---|
| Union County, OH | $410,711 · +1.9% 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 $1,648/mo (Aug 2026), -0.9% over one year; price-to-rent 20.8
- 62nd pct · 526th of 1,399 US counties · median $1,496
- 82nd pct · 10th of 51 Ohio counties · median $1,327
- 50th pct · 4th of 7 counties in the Columbus metro · median $1,648
| Item | Value | Distance |
|---|---|---|
| Union County, OH | $1,648/mo · -0.9% 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 $2,248 a month on $410,711 at 7.28%, against an average weekly wage worth $6,049 a month: 37.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $410,711 × 80% = $328,569, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,248/mo principal and interest
- wage share = payment / (avg weekly wage $1,396 × 52 / 12 = $6,049) = 37% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $410,711 / ($1,396 × 52) = 5.7
- price-to-rent = $410,711 / ($1,648 × 12) = 20.8
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 #
35,440 jobs at 1,632 employers (2026 Q1); -2.5% jobs and +3.1% average weekly wage over the year
- 79th pct · 655th of 3,221 US counties · median 8,232
- 66th pct · 30th of 88 Ohio counties · median 20,657
- 55th pct · 5th of 10 counties in the Columbus metro · median 29,630
| Item | Value | Distance |
|---|---|---|
| Union County, OH | 35,440 jobs · $1,396/wk · -2.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 8,394 | $1,734 | 2.94 | -0.3% |
| Administrative and waste services | 3,794 | $901 | 1.88 | -21.1% |
| Professional and technical services | 3,311 | $2,365 | 1.35 | +2.4% |
| Retail trade | 3,147 | $793 | 0.91 | +4.5% |
| Accommodation and food services | 2,325 | $403 | 0.73 | +8.4% |
| Construction | 2,268 | $1,767 | 1.22 | -14.6% |
| Health care and social assistance | 2,009 | $1,161 | 0.38 | +16.1% |
| Transportation and warehousing | 1,688 | $1,001 | 1.13 | -5.0% |
| Other services | 716 | $891 | 0.68 | -8.3% |
| Finance and insurance | 532 | $1,683 | 0.37 | -0.2% |
| Management of companies | 523 | $1,878 | 0.88 | +3.2% |
| Real estate and rental | 239 | $1,706 | 0.44 | +6.7% |
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 #
69 gauges · 0 flooding · 8 with quality panels averaging 97 % · 18 stale
Sites found: 69, 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 |
|---|---|---|
| Mill Creek above Marysville OH | flow 13.0 ft³/s | 5 km |
| Bokes Creek near Warrensburg OH | flow 0.07 ft³/s · STALE | 17 km |
| Mill Creek near Bellepoint OH | flow 43.5 ft³/s | 17 km |
| Scioto River near Prospect OH | flow 115.0 ft³/s · quality 88 % (4) · no flooding | 20 km |
| Scioto River above O'Shaughnessy Reservoir | no readings | 26 km |
| Olentangy River at Delaware Lake | no flooding | 26 km |
| Olentangy River near Delaware OH | flow 40.9 ft³/s | 26 km |
| Scioto River below O'Shaughnessy Dam nr Dublin OH | flow 200.0 ft³/s | 27 km |
| Scioto River at La Rue OH | flow 66.4 ft³/s · no flooding | 31 km |
| Mad River at West Liberty OH - 03266560 | flow 43.5 ft³/s · out of service | 33 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 #
59 wells in 2 named aquifers: Silurian-Devonian aquifers, Sand and gravel aquifers (glaciated regions)
Sites found: 59, 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 23.5 ft · 2026-09-15 | 6 km |
| Silurian-Devonian aquifers | depth 32.6 ft · 2026-07-06 | 15 km |
| Silurian-Devonian aquifers | depth 34.1 ft · 2026-07-15 | 26 km |
| Silurian-Devonian aquifers | depth 8.59 ft · 2026-07-15 | 31 km |
| Silurian-Devonian aquifers | depth 12.1 ft · 2026-07-15 | 31 km |
| Sand and gravel aquifers (glaciated regions) | depth 7.98 ft · 2026-07-26 | 32 km |
| Silurian-Devonian aquifers | depth 38.2 ft · 2026-07-15 | 37 km |
| Silurian-Devonian aquifers | depth 7.99 ft · 2026-07-06 | 38 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 (0.01)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.03 / 0.55
Banks & federal dollars #
$1.4 bn in deposits at 13 offices of 8 banks (SOD June 2026); HHI 3,295, highly concentrated. $308.2 m federal obligations in FY2026 (direct payments $303.0 m, grants $5.0 m), $8,696 per covered job
| Item | Value | Distance |
|---|---|---|
| The Richwood Banking Company | $718.1 m · 52.7% share · 3 offices | |
| JPMorgan Chase Bank, National Association | $201.5 m · 14.8% share · 3 offices | |
| The Huntington National Bank | $192.0 m · 14.1% share · 1 office | |
| Union, OH | $308.2 m FY2026 · $8,696/job | |
| MULTIPLE RECIPIENTS | $293.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Richwood Banking Company | $718,089,000 | 52.7% | 3 |
| JPMorgan Chase Bank, National Association | $201,491,000 | 14.8% | 3 |
| The Huntington National Bank | $191,955,000 | 14.1% | 1 |
| Fifth Third Bank, National Association | $103,075,000 | 7.6% | 2 |
| PNC Bank, National Association | $78,862,000 | 5.8% | 1 |
| The Merchants National Bank | $27,337,000 | 2.0% | 1 |
| The Farmers National Bank of Canfield | $22,651,000 | 1.7% | 1 |
| First Federal Community Bank of Bucyrus | $18,911,000 | 1.4% | 1 |
Deposit concentration is 3,295 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 52.7² + 14.8² + 14.1² + … (5 more) = 3,295
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 | $263,425,032 |
| Department of Veterans Affairs | $28,551,073 |
| Department of Agriculture | $8,452,888 |
| Department of Transportation | $3,588,598 |
| Department of Housing and Urban Development | $1,779,308 |
| Railroad Retirement Board | $1,458,809 |
| Department of Health and Human Services | $825,000 |
| Department of Defense | $74,054 |
| Department of Justice | $27,500 |
| General Services Administration | $18,176 |
| Small Business Administration | $0 |
That is $8,696 per covered job, against 35,440 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $308.2 m / 35,440 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $8,696
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 #
Union County, OH: 15 findings, 1 at a watch level and 14 noted
watchUnion County, OH's covered employment is -2.5% 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 = -2.5 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteUnion County, OH's average weekly wage was 3.1% 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
- +3.1 % = 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
noteUnion County, OH's covered employment was 2.5% 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
- -2.5 % = 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
noteUnion County, OH's typical home value rose 0.4% from $409,140 in July 2026 to $410,711 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.4% = (410711.0610059 - 409140.47997607384) / 409140.47997607384 × 100
- 410711.0610059 = Zillow ZHVI, 2026-08
- 409140.47997607384 = Zillow ZHVI, 2026-07
noteUnion County, OH's typical asking rent rose 0.3% from $1,643 in July 2026 to $1,648 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.3% = (1647.7539890450107 - 1643.3709909472072) / 1643.3709909472072 × 100
- 1647.7539890450107 = Zillow ZORI, 2026-08
- 1643.3709909472072 = Zillow ZORI, 2026-07
Read all 12 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.