Wood County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.36, -83.62.
Assembled 2026-10-06. Read the brief.
- 54th pct · 1,384th of 3,063 US counties · median $234,566
- 64th pct · 32nd of 88 Ohio counties · median $219,740
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
- 43rd pct · 1,730th of 3,063 US counties · median +2.9%
- 16th pct · 74th of 88 Ohio counties · median +4.2%
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
- 57th pct · 597th of 1,399 US counties · median $1,496
- 78th pct · 12th of 51 Ohio counties · median $1,327
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
- 88th pct · 378th of 3,221 US counties · median 8,232
- 82nd pct · 16th of 88 Ohio counties · median 20,657
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
- 77th pct · 712th of 3,221 US counties · median $1,039
- 78th pct · 20th of 88 Ohio counties · median $1,081
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
- 42nd pct · 1,769th of 3,063 US counties · median 4.3
- 57th pct · 38th of 88 Ohio counties · median 3.7
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
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 $247,337 (Aug 2026), +2.4% over one year, +21.4% over five
- 54th pct · 1,384th of 3,063 US counties · median $234,566
- 64th pct · 32nd of 88 Ohio counties · median $219,740
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Wood County, OH | $247,337 · +2.4% 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 #
Typical rent $1,584/mo (Aug 2026), +4.4% over one year; price-to-rent 13.0
- 57th pct · 597th of 1,399 US counties · median $1,496
- 78th pct · 12th of 51 Ohio counties · median $1,327
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Wood County, OH | $1,584/mo · +4.4% 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 $1,354 a month on $247,337 at 7.28%, against an average weekly wage worth $5,269 a month: 25.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $247,337 × 80% = $197,870, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,354/mo principal and interest
- wage share = payment / (avg weekly wage $1,216 × 52 / 12 = $5,269) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $247,337 / ($1,216 × 52) = 3.9
- price-to-rent = $247,337 / ($1,584 × 12) = 13.0
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 #
74,763 jobs at 3,505 employers (2026 Q1); -0.8% jobs and +5.6% average weekly wage over the year
- 88th pct · 378th of 3,221 US counties · median 8,232
- 82nd pct · 16th of 88 Ohio counties · median 20,657
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Wood County, OH | 74,763 jobs · $1,216/wk · -0.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 14,009 | $1,650 | 2.33 | -0.3% |
| Transportation and warehousing | 10,441 | $913 | 3.31 | -8.3% |
| Accommodation and food services | 7,483 | $360 | 1.11 | +4.9% |
| Health care and social assistance | 6,360 | $1,174 | 0.57 | +2.8% |
| Retail trade | 6,066 | $646 | 0.83 | -1.2% |
| Construction | 4,934 | $2,015 | 1.26 | +7.7% |
| Wholesale trade | 3,224 | $1,668 | 1.13 | -1.4% |
| Other services | 2,411 | $926 | 1.08 | -1.5% |
| Administrative and waste services | 2,137 | $901 | 0.50 | -11.3% |
| Professional and technical services | 1,847 | $1,474 | 0.36 | -0.4% |
| Finance and insurance | 1,227 | $1,856 | 0.40 | +4.4% |
| Information | 857 | $1,637 | 0.62 | -15.6% |
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 #
69 gauges · 0 flooding · 16 with quality panels averaging 95 % · 27 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 |
|---|---|---|
| Eagle Creek above Findlay OH | flow 8.03 ft³/s · quality 60 % (5) | 42 km |
| Maumee River near Waterville OH | turb. 10.3 FNU · quality 100 % (5) · STALE | 16 km |
| Maumee River at Waterville OH | flow 1,770 ft³/s · quality 90 % (5) | 17 km |
| Blue Creek near Whitehouse OH | flow 119.0 ft³/s · STALE | 23 km |
| Portage River at Woodville OH | flow 20.4 ft³/s · quality 90 % (5) | 24 km |
| Swan Creek below Monclova OH | stage 4.25 ft | 26 km |
| USGS-413217083492900 | stage 5.90 ft | 26 km |
| Wolf Creek at Holland OH | flow 5.18 ft³/s | 28 km |
| USGS-413658083344200 | temp 12.6 °C · quality 100 % (2) · STALE | 29 km |
| USGS-413704083335100 | temp 12.9 °C · quality 100 % (2) · STALE | 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 #
38 wells in 2 named aquifers: Sand and gravel aquifers (glaciated regions), Silurian-Devonian aquifers
Sites found: 38, 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-412703083213600 | depth 24.5 ft · 2007-06-12 | 24 km |
| Silurian-Devonian aquifers | depth 19.7 ft · 2026-07-12 | 24 km |
| Silurian-Devonian aquifers | depth 21.1 ft · 2026-06-29 | 28 km |
| Silurian-Devonian aquifers | depth 62.6 ft · 2026-07-12 | 29 km |
| USGS-413629083304400 | depth 57.7 ft · 1988-06-08 | 29 km |
| USGS-413547083481500 | depth 5.99 ft · 2000-04-30 | 30 km |
| Sand and gravel aquifers (glaciated regions) | depth 6.95 ft · 2026-06-29 | 32 km |
| USGS-413431083523500 | depth 15.3 ft · 2026-10-05 | 32 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 #
$3.1 bn in deposits at 41 offices of 16 banks (SOD June 2026); HHI 1,812, highly concentrated. $46.6 m federal obligations in FY2026 (grants $37.4 m, contracts $9.1 m), $623 per covered job
| Item | Value | Distance |
|---|---|---|
| The Huntington National Bank | $1.1 bn · 35.8% share · 9 offices | |
| Fifth Third Bank, National Association | $536.3 m · 17.2% share · 4 offices | |
| KeyBank National Association | $268.2 m · 8.6% share · 3 offices | |
| Wood, OH | $46.6 m FY2026 · $623/job | |
| MULTIPLE RECIPIENTS | $679.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Huntington National Bank | $1,114,207,000 | 35.8% | 9 |
| Fifth Third Bank, National Association | $536,267,000 | 17.2% | 4 |
| KeyBank National Association | $268,237,000 | 8.6% | 3 |
| WesBanco Bank, Inc. | $219,939,000 | 7.1% | 2 |
| PNC Bank, National Association | $179,700,000 | 5.8% | 3 |
| The Farmers & Merchants State Bank | $140,016,000 | 4.5% | 3 |
| The Union Bank Company | $119,481,000 | 3.8% | 3 |
| The State Bank and Trust Company | $118,663,000 | 3.8% | 4 |
| Citizens Bank, National Association | $102,422,000 | 3.3% | 1 |
| Buckeye State Bank | $71,247,000 | 2.3% | 1 |
Deposit concentration is 1,812 across 16 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 16 banks with deposits in the county = 35.8² + 17.2² + 8.6² + … (13 more) = 1,812
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 | $615,310,671 |
| Department of Veterans Affairs | $53,005,754 |
| Department of Education | $44,508,488 |
| Department of Transportation | $34,186,041 |
| Railroad Retirement Board | $10,998,172 |
| Department of Agriculture | $8,989,834 |
| Department of Housing and Urban Development | $4,498,945 |
| Department of Defense | $3,479,814 |
| Department of Health and Human Services | $2,137,381 |
| Federal Communications Commission | $1,165,339 |
| Department of Homeland Security | $1,074,657 |
| Department of Energy | $427,000 |
That is $623 per covered job, against 74,763 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $46.6 m / 74,763 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $623
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 | 2026-10-05 | +0.1% |
| 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 #
Wood County, OH: 7 findings, 1 at a watch level and 6 noted
watchWood County, OH's covered employment is -0.8% 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 = -0.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteWood County, OH's average weekly wage was 5.6% 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
- +5.6 % = 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
noteWood County, OH's covered employment was 0.8% 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
- -0.8 % = 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
noteWood County, OH's typical home value rose 0.4% from $246,245 in July 2026 to $247,337 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.4% = (247337.40940623186 - 246245.15834759615) / 246245.15834759615 × 100
- 247337.40940623186 = Zillow ZHVI, 2026-08
- 246245.15834759615 = Zillow ZHVI, 2026-07
noteWood County, OH's typical asking rent fell 0.4% from $1,591 in July 2026 to $1,584 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -0.4% = (1584.443888888889 - 1591.448877982717) / 1591.448877982717 × 100
- 1584.443888888889 = Zillow ZORI, 2026-08
- 1591.448877982717 = Zillow ZORI, 2026-07
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.