Butler County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.44, -84.57.
Assembled 2026-10-19. Read the brief.
- 72nd pct · 830th of 3,063 US counties · median $230,451
- 87th pct · 12th of 88 Ohio counties · median $218,478
- 71st pct · 5th of 15 counties in the Cincinnati metro · median $286,827
- 55th pct · 1,363rd of 3,062 US counties · median +2.9%
- 31st pct · 61st of 88 Ohio counties · median +3.9%
- 64th pct · 6th of 15 counties in the Cincinnati metro · median +2.9%
- 54th pct · 618th of 1,358 US counties · median $1,506
- 79th pct · 12th of 55 Ohio counties · median $1,340
- 71st pct · 3rd of 8 counties in the Cincinnati metro · median $1,498
- 93rd pct · 202nd of 3,221 US counties · median 8,232
- 93rd pct · 7th of 88 Ohio counties · median 20,657
- 92nd pct · 2nd of 15 counties in the Cincinnati metro · median 14,828
- 89th pct · 329th of 3,221 US counties · median $1,039
- 93rd pct · 7th of 88 Ohio counties · median $1,081
- 71st pct · 5th of 15 counties in the Cincinnati metro · median $1,184
- 51st pct · 1,484th of 3,063 US counties · median 4.2
- 70th pct · 27th of 88 Ohio counties · median 3.7
- 35th pct · 10th of 15 counties in the Cincinnati metro · median 5.2
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 $313,302 (Sep 2026), +3.3% over one year, +31.3% over five
- 72nd pct · 830th of 3,063 US counties · median $230,451
- 87th pct · 12th of 88 Ohio counties · median $218,478
- 71st pct · 5th of 15 counties in the Cincinnati metro · median $286,827
| Item | Value | Distance |
|---|---|---|
| Butler County, OH | $313,302 · +3.3% 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 #
Typical rent $1,566/mo (Sep 2026), +2.6% over one year; price-to-rent 16.7
- 54th pct · 618th of 1,358 US counties · median $1,506
- 79th pct · 12th of 55 Ohio counties · median $1,340
- 71st pct · 3rd of 8 counties in the Cincinnati metro · median $1,498
| Item | Value | Distance |
|---|---|---|
| Butler County, OH | $1,566/mo · +2.6% 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 $1,735 a month on $313,302 at 7.40%, against an average weekly wage worth $6,088 a month: 28.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $313,302 × 80% = $250,641, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,735/mo principal and interest
- wage share = payment / (avg weekly wage $1,405 × 52 / 12 = $6,088) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $313,302 / ($1,405 × 52) = 4.3
- price-to-rent = $313,302 / ($1,566 × 12) = 16.7
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 #
163,937 jobs at 9,216 employers (2026 Q1); +0.5% jobs and +1.8% average weekly wage over the year
- 93rd pct · 202nd of 3,221 US counties · median 8,232
- 93rd pct · 7th of 88 Ohio counties · median 20,657
- 92nd pct · 2nd of 15 counties in the Cincinnati metro · median 14,828
| Item | Value | Distance |
|---|---|---|
| Butler County, OH | 163,937 jobs · $1,405/wk · +0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 26,095 | $2,197 | 1.98 | +3.4% |
| Health care and social assistance | 21,025 | $1,225 | 0.85 | +4.3% |
| Accommodation and food services | 17,355 | $439 | 1.18 | +0.4% |
| Retail trade | 16,567 | $757 | 1.04 | +2.6% |
| Wholesale trade | 12,755 | $1,683 | 2.03 | -1.5% |
| Transportation and warehousing | 9,264 | $1,141 | 1.34 | -10.0% |
| Construction | 8,913 | $1,574 | 1.04 | -2.5% |
| Administrative and waste services | 8,572 | $964 | 0.92 | +4.9% |
| Finance and insurance | 8,481 | $2,858 | 1.27 | -1.8% |
| Professional and technical services | 4,998 | $1,737 | 0.44 | +6.5% |
| Other services | 4,312 | $932 | 0.88 | -1.2% |
| Arts, entertainment and recreation | 2,047 | $437 | 0.76 | -7.7% |
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 #
2 USGS reservoir gauges, no capacity figures to weight
Sites found: 2, 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.
| Site | Reading | Distance |
|---|---|---|
| GEIST RESERVOIR AT INDIANAPOLIS, IN | 21,980 Acre-ft (USGS, no capacity on file) | 132 km |
| MORSE RESERVOIR AT NOBLESVILLE, IN | 22,440 Acre-ft (USGS, no capacity on file) | 145 km |
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 #
88 gauges · 0 flooding · 14 with quality panels averaging 94 % · 27 stale
Sites found: 88, 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 |
|---|---|---|
| W Fk Mill Creek at Hille Park at Cincinnati OH | flow 0.71 ft³/s · quality 70 % (5) · STALE | 32 km |
| Great Miami River at Hamilton OH | flow 1,790 ft³/s · quality 100 % (1) · no flooding | 5 km |
| Indian Creek at Millville OH | flow 6.10 ft³/s · STALE | 10 km |
| Great Miami River at Middletown OH | flow 1,500 ft³/s · no flooding | 16 km |
| Mill Creek at Kemper Road at Sharonville OH | stage 3.46 ft · no flooding | 21 km |
| West Fork Mill Creek near Greenhills OH | stage 1.13 ft | 21 km |
| Sevenmile Creek at Camden OH | flow 16.6 ft³/s · no flooding | 22 km |
| Mill Creek at East Sharon Rd at Sharonville OH | flow 19.3 ft³/s · quality 90 % (5) | 22 km |
| Sharon Creek at Sharonville OH | stage 1.57 ft · no flooding | 23 km |
| Mill Creek at Evendale OH | flow 23.8 ft³/s · no flooding | 24 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 #
77 wells in 1 named aquifer: Sand and gravel aquifers (glaciated regions)
Sites found: 77, 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-392528084323000 | depth 17.5 ft · 1977-09-29 | 3 km |
| USGS-392515084322000 | depth 18.1 ft · 1989-09-29 | 3 km |
| Sand and gravel aquifers (glaciated regions) | depth 24.6 ft · 2026-10-18 | 6 km |
| USGS-392236084334800 | depth 10.5 ft · 2026-10-18 | 7 km |
| Sand and gravel aquifers (glaciated regions) | depth 24.9 ft · 2024-09-29 | 7 km |
| USGS-392808084283600 | depth 26.6 ft · 2026-10-18 | 8 km |
| USGS-392047084325101 | depth 38.5 ft · 2006-09-29 | 10 km |
| Sand and gravel aquifers (glaciated regions) | depth 50.9 ft · 2024-09-19 | 11 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 + 0.2×0.06 / 0.55
Banks & federal dollars #
$8.4 bn in deposits at 86 offices of 21 banks (SOD June 2026); HHI 1,704, moderately concentrated. $2.2 bn federal obligations in FY2026 (direct payments $2.0 bn, contracts $173.4 m), $13,703 per covered job
| Item | Value | Distance |
|---|---|---|
| Fifth Third Bank, National Association | $2.3 bn · 27.3% share · 16 offices | |
| First Financial Bank | $2.0 bn · 24.3% share · 13 offices | |
| U.S. Bank National Association | $958.1 m · 11.4% share · 12 offices | |
| Butler, OH | $2.2 bn FY2026 · $13,703/job | |
| MULTIPLE RECIPIENTS | $2.0 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Fifth Third Bank, National Association | $2,288,869,000 | 27.3% | 16 |
| First Financial Bank | $2,033,526,000 | 24.3% | 13 |
| U.S. Bank National Association | $958,134,000 | 11.4% | 12 |
| JPMorgan Chase Bank, National Association | $889,698,000 | 10.6% | 6 |
| PNC Bank, National Association | $734,022,000 | 8.8% | 5 |
| The Huntington National Bank | $401,860,000 | 4.8% | 3 |
| Union Savings Bank | $260,938,000 | 3.1% | 3 |
| LCNB National Bank | $177,116,000 | 2.1% | 5 |
| KeyBank National Association | $130,457,000 | 1.6% | 3 |
| Guardian Savings Bank | $101,799,000 | 1.2% | 1 |
Deposit concentration is 1,704 across 21 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 21 banks with deposits in the county = 27.3² + 24.3² + 11.4² + … (18 more) = 1,704
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 | $1,777,786,952 |
| Department of Veterans Affairs | $175,223,025 |
| Department of Defense | $148,364,651 |
| Department of Transportation | $30,561,009 |
| Department of Housing and Urban Development | $26,699,947 |
| Department of Education | $24,927,129 |
| Department of Agriculture | $22,213,938 |
| Department of Health and Human Services | $17,989,989 |
| Railroad Retirement Board | $8,966,150 |
| Federal Communications Commission | $6,806,839 |
| National Science Foundation | $2,452,301 |
| Department of Homeland Security | $1,525,316 |
That is $13,703 per covered job, against 163,937 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.2 bn / 163,937 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $13,703
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 | 17.95 | 2026-10-18 | -2.6% |
| 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 · % | 72.20 | 2026-10-19 | +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 | 7.00 | 2026-10-13 | +133.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| 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 | 652,115.00 | 2026-09-01 | +0.7% |
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 #
Butler County, OH: 10 findings, 10 noted
noteButler County, OH's average weekly wage was 1.8% 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
- +1.8 % = 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
noteButler County, OH's covered employment was 0.5% 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
- +0.5 % = 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
noteButler County, OH's typical home value rose 0.3% from $312,269 in August 2026 to $313,302 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.3% = (313301.7819066614 - 312268.5831056707) / 312268.5831056707 × 100
- 313301.7819066614 = Zillow ZHVI, 2026-09
- 312268.5831056707 = Zillow ZHVI, 2026-08
noteButler County, OH's covered employment of 163,937 ranks 202nd of 3,221 US counties, against a median of 8,232.
Period 2026 Q1.Show the arithmetic
- 94 on the 0-to-100 scale across 3221 US counties that published jobs.emp
position among the entities that published this metric this period; not an official level
noteButler County, OH's average weekly wage of $1,405 ranks 7th of 88 Ohio counties, against a median of $1,081.
Period 2026 Q1.Show the arithmetic
- 93 on the 0-to-100 scale across 88 Ohio counties that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
Read all 10 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.