Williams County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.56, -84.58.
Assembled 2026-10-06. Read the brief.
- 30th pct · 2,123rd of 3,063 US counties · median $234,566
- 25th pct · 66th of 88 Ohio counties · median $219,740
- 54th pct · 1,389th of 3,063 US counties · median +2.9%
- 29th pct · 62nd of 88 Ohio counties · median +4.2%
- US counties: not published this period
- Ohio counties: not published this period
- 65th pct · 1,098th of 3,221 US counties · median 8,232
- 35th pct · 57th of 88 Ohio counties · median 20,657
- 48th pct · 1,669th of 3,221 US counties · median $1,039
- 29th pct · 62nd of 88 Ohio counties · median $1,081
- 30th pct · 2,120th of 3,063 US counties · median 4.3
- 33rd pct · 59th 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 $185,249 (Aug 2026), +3.4% over one year, +28.8% over five
- 30th pct · 2,123rd of 3,063 US counties · median $234,566
- 25th pct · 66th of 88 Ohio counties · median $219,740
| Item | Value | Distance |
|---|---|---|
| Williams County, OH | $185,249 · +3.4% 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 $1,014 a month on $185,249 at 7.28%, against an average weekly wage worth $4,468 a month: 22.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $185,249 × 80% = $148,200, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,014/mo principal and interest
- wage share = payment / (avg weekly wage $1,031 × 52 / 12 = $4,468) = 23% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $185,249 / ($1,031 × 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 #
15,781 jobs at 935 employers (2026 Q1); -1.6% jobs and -1.7% average weekly wage over the year
- 65th pct · 1,098th of 3,221 US counties · median 8,232
- 35th pct · 57th of 88 Ohio counties · median 20,657
| Item | Value | Distance |
|---|---|---|
| Williams County, OH | 15,781 jobs · $1,031/wk · -1.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 5,562 | $1,231 | 4.38 | -4.4% |
| Health care and social assistance | 1,575 | $1,150 | 0.66 | -2.5% |
| Retail trade | 1,489 | $703 | 0.97 | -36.3% |
| Accommodation and food services | 1,060 | $343 | 0.75 | +0.7% |
| Transportation and warehousing | 1,045 | $1,295 | 1.57 | +0.0% |
| Construction | 563 | $1,333 | 0.68 | +11.9% |
| Other services | 407 | $486 | 0.86 | -0.5% |
| Administrative and waste services | 356 | $774 | 0.40 | -5.3% |
| Finance and insurance | 224 | $1,268 | 0.35 | -2.2% |
| Agriculture, forestry, fishing | 153 | $906 | 1.34 | -2.5% |
| Educational services | 96 | $569 | 0.28 | +1.1% |
| Real estate and rental | 81 | $806 | 0.33 | +20.9% |
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 #
87 gauges · 0 flooding · 13 with quality panels averaging 97 % · 21 stale
Sites found: 87, 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-04177347 | stage 6.24 ft | 3 km |
| St. Joseph River (OH/IN) at Montpelier | no flooding | 4 km |
| USGS-04185000 | flow 365.0 ft³/s · no flooding | 15 km |
| USGS-04177266 | flow 65.7 ft³/s | 15 km |
| USGS-04177080 | flow 64.6 ft³/s · observation not current | 18 km |
| USGS-04177810 | flow 99.0 ft³/s · STALE | 22 km |
| USGS-04185440 | flow 0.11 ft³/s | 24 km |
| USGS-04184846 | flow 0.00 ft³/s · STALE | 25 km |
| USGS-04185318 | flow 540.0 ft³/s | 25 km |
| USGS-04177720 | flow 11.2 ft³/s · no flooding | 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 #
47 wells in 2 named aquifers: Sand and gravel aquifers (glaciated regions), Silurian-Devonian aquifers
Sites found: 47, 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 |
|---|---|---|
| Sand and gravel aquifers (glaciated regions) | depth 46.3 ft · 2026-08-02 | 4 km |
| Sand and gravel aquifers (glaciated regions) | depth 22.8 ft · 2026-08-02 | 9 km |
| Sand and gravel aquifers (glaciated regions) | depth 10.2 ft · 2026-10-05 | 11 km |
| Sand and gravel aquifers (glaciated regions) | depth 25.1 ft · 2026-10-05 | 11 km |
| Sand and gravel aquifers (glaciated regions) | depth 30.4 ft · 2026-08-02 | 11 km |
| Sand and gravel aquifers (glaciated regions) | depth 17.0 ft · 2026-10-05 | 14 km |
| Sand and gravel aquifers (glaciated regions) | depth 8.82 ft · 2026-06-29 | 15 km |
| Sand and gravel aquifers (glaciated regions) | depth 10.8 ft · 2026-04-01 | 16 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 #
$1.1 bn in deposits at 15 offices of 5 banks (SOD June 2026); HHI 2,454, highly concentrated. $238.9 m federal obligations in FY2026 (direct payments $229.8 m, grants $8.8 m), $15,137 per covered job
| Item | Value | Distance |
|---|---|---|
| The Farmers & Merchants State Bank | $341.3 m · 31.9% share · 4 offices | |
| WesBanco Bank, Inc. | $264.3 m · 24.7% share · 2 offices | |
| The State Bank and Trust Company | $248.6 m · 23.3% share · 6 offices | |
| Williams, OH | $238.9 m FY2026 · $15,137/job | |
| MULTIPLE RECIPIENTS | $223.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Farmers & Merchants State Bank | $341,305,000 | 31.9% | 4 |
| WesBanco Bank, Inc. | $264,328,000 | 24.7% | 2 |
| The State Bank and Trust Company | $248,604,000 | 23.3% | 6 |
| The Huntington National Bank | $174,035,000 | 16.3% | 2 |
| The Hicksville Bank | $40,060,000 | 3.7% | 1 |
Deposit concentration is 2,454 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 31.9² + 24.7² + 23.3² + … (2 more) = 2,454
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 | $200,305,973 |
| Department of Veterans Affairs | $19,850,064 |
| Department of Transportation | $8,629,404 |
| Department of Agriculture | $6,123,203 |
| Railroad Retirement Board | $3,238,966 |
| Federal Communications Commission | $442,387 |
| Department of Education | $229,915 |
| Department of Defense | $64,500 |
| Department of Housing and Urban Development | $17,379 |
| Environmental Protection Agency | $0 |
| Small Business Administration | $0 |
| Department of Health and Human Services | $0 |
That is $15,137 per covered job, against 15,781 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $238.9 m / 15,781 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $15,137
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 #
Williams County, OH: 8 findings, 3 at a watch level and 5 noted
watchWilliams County, OH's average weekly wage is -1.7% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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.avgWeeklyWage = -1.7 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchWilliams County, OH's covered employment is -1.6% 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 = -1.6 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchWilliams County, OH's covered employment of 15,781 scores 66 on the 0-to-100 scale across US counties but 36 across Ohio counties, a gap of 30 points.
Period 2026 Q1.Show the arithmetic
- 30 = |66 across US counties - 36 across Ohio counties|
position among the entities that published this metric this period; not an official level
noteWilliams County, OH's average weekly wage was 1.7% 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
- -1.7 % = 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
noteWilliams County, OH's covered employment was 1.6% 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
- -1.6 % = 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
Read all 8 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.