Champaign County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.13, -83.77.
Assembled 2026-10-19. Read the brief.
- 58th pct · 1,265th of 3,063 US counties · median $230,451
- 70th pct · 27th of 88 Ohio counties · median $218,478
- 89th pct · 323rd of 3,062 US counties · median +2.9%
- 95th pct · 5th of 88 Ohio counties · median +3.9%
- 11th pct · 1,207th of 1,358 US counties · median $1,506
- 22nd pct · 43rd of 55 Ohio counties · median $1,340
- 57th pct · 1,376th of 3,221 US counties · median 8,232
- 24th pct · 67th of 88 Ohio counties · median 20,657
- 58th pct · 1,327th of 3,221 US counties · median $1,039
- 50th pct · 44th of 88 Ohio counties · median $1,081
- 56th pct · 1,323rd of 3,063 US counties · median 4.2
- 75th pct · 22nd 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 $255,719 (Sep 2026), +7.4% over one year, +34.9% over five
- 58th pct · 1,265th of 3,063 US counties · median $230,451
- 70th pct · 27th of 88 Ohio counties · median $218,478
| Item | Value | Distance |
|---|---|---|
| Champaign County, OH | $255,719 · +7.4% 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 $1,060/mo (Sep 2026), n/a over one year; price-to-rent 20.1
- 11th pct · 1,207th of 1,358 US counties · median $1,506
- 22nd pct · 43rd of 55 Ohio counties · median $1,340
| Item | Value | Distance |
|---|---|---|
| Champaign County, OH | $1,060/mo · n/a 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 $1,416 a month on $255,719 at 7.40%, against an average weekly wage worth $4,684 a month: 30.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $255,719 × 80% = $204,575, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,416/mo principal and interest
- wage share = payment / (avg weekly wage $1,081 × 52 / 12 = $4,684) = 30% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $255,719 / ($1,081 × 52) = 4.5
- price-to-rent = $255,719 / ($1,060 × 12) = 20.1
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 #
11,172 jobs at 738 employers (2026 Q1); -0.4% jobs and +4.6% average weekly wage over the year
- 57th pct · 1,376th of 3,221 US counties · median 8,232
- 24th pct · 67th of 88 Ohio counties · median 20,657
| Item | Value | Distance |
|---|---|---|
| Champaign County, OH | 11,172 jobs · $1,081/wk · -0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 4,126 | $1,407 | 4.59 | -0.5% |
| Retail trade | 970 | $634 | 0.89 | +0.9% |
| Health care and social assistance | 892 | $931 | 0.53 | +0.0% |
| Accommodation and food services | 728 | $352 | 0.73 | -0.7% |
| Other services | 471 | $540 | 1.41 | +0.0% |
| Professional and technical services | 286 | $1,716 | 0.37 | +0.7% |
| Construction | 277 | $1,317 | 0.47 | +5.3% |
| Wholesale trade | 223 | $1,248 | 0.52 | +0.0% |
| Finance and insurance | 162 | $1,236 | 0.36 | +0.0% |
| Arts, entertainment and recreation | 105 | $512 | 0.57 | +7.1% |
| Real estate and rental | 67 | $890 | 0.39 | -4.3% |
| Information | 30 | $1,373 | 0.15 | -9.1% |
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 #
60 gauges · 0 flooding · 11 with quality panels averaging 96 % · 11 stale
Sites found: 60, 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 |
|---|---|---|
| Mad River near Urbana OH | flow 148.0 ft³/s | 4 km |
| Mad River at West Liberty OH - 03266560 | flow 36.2 ft³/s | 13 km |
| Mad River at St Paris Pike at Eagle City OH | flow 218.0 ft³/s | 20 km |
| Buck Creek bl CJ Brown Reservoir nr Springfield OH | stage 1.04 ft · quality 100 % (1) | 20 km |
| Bokengehalas Creek at De Graff OH | flow 32.0 ft³/s | 23 km |
| Mad River near Springfield OH | flow 338.0 ft³/s | 26 km |
| Bokengehalas Creek near De Graff OH | flow 18.0 ft³/s · STALE | 26 km |
| Mill Creek above Marysville OH | flow 13.5 ft³/s | 35 km |
| Great Miami River at Sidney OH | flow 149.0 ft³/s | 37 km |
| Great Miami River at Russells Point OH | flow 48.3 ft³/s · STALE | 37 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 #
78 wells in 2 named aquifers: Sand and gravel aquifers (glaciated regions), Silurian-Devonian aquifers
Sites found: 78, 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 16.0 ft · 2024-09-29 | 3 km |
| USGS-400949083480100 | depth 8.81 ft · 2000-04-30 | 4 km |
| Sand and gravel aquifers (glaciated regions) | depth 9.28 ft · 2024-09-29 | 13 km |
| USGS-395859083440700 | depth 20.9 ft · 1999-10-18 | 17 km |
| Sand and gravel aquifers (glaciated regions) | depth 12.6 ft · 2024-09-29 | 18 km |
| Silurian-Devonian aquifers | depth 32.3 ft · 2024-09-29 | 30 km |
| Sand and gravel aquifers (glaciated regions) | depth 30.5 ft · 2024-09-29 | 30 km |
| USGS-395316083593100 | depth 0.60 ft · 2026-10-18 | 33 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 + 0.2×0.04 / 0.55
Banks & federal dollars #
$702.5 m in deposits at 11 offices of 6 banks (SOD June 2026); HHI 2,091, highly concentrated. $267.6 m federal obligations in FY2026 (direct payments $238.4 m, contracts $19.2 m), $23,953 per covered job
| Item | Value | Distance |
|---|---|---|
| The Peoples Savings Bank | $172.5 m · 24.6% share · 2 offices | |
| The Park National Bank | $157.8 m · 22.5% share · 2 offices | |
| The Farmers & Merchants State Bank | $151.2 m · 21.5% share · 1 office | |
| Champaign, OH | $267.6 m FY2026 · $23,953/job | |
| MULTIPLE RECIPIENTS | $221.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Peoples Savings Bank | $172,533,000 | 24.6% | 2 |
| The Park National Bank | $157,802,000 | 22.5% | 2 |
| The Farmers & Merchants State Bank | $151,162,000 | 21.5% | 1 |
| Civista Bank | $140,495,000 | 20.0% | 1 |
| The First Central National Bank of St. Paris | $76,820,000 | 10.9% | 4 |
| Woodforest National Bank | $3,661,000 | 0.5% | 1 |
Deposit concentration is 2,091 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 24.6² + 22.5² + 21.5² + … (3 more) = 2,091
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 | $199,841,041 |
| Department of Veterans Affairs | $20,933,192 |
| Department of Defense | $18,525,006 |
| Department of Agriculture | $11,771,277 |
| Department of Transportation | $9,103,991 |
| Department of Housing and Urban Development | $3,771,573 |
| Federal Communications Commission | $2,215,603 |
| Railroad Retirement Board | $1,131,653 |
| Department of Homeland Security | $143,191 |
| Department of the Interior | $111,766 |
| Department of Health and Human Services | $50,000 |
| Small Business Administration | $0 |
That is $23,953 per covered job, against 11,172 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $267.6 m / 11,172 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,953
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 #
Champaign County, OH: 12 findings, 3 at a watch level and 9 noted
watchChampaign County, OH's typical asking rent is -1.7% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; 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 2026-09.Show the arithmetic
- test: rent.momPct = -1.6626788798173566 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
watchChampaign County, OH's covered employment is -0.4% 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 = -0.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchChampaign County, OH's covered employment of 11,172 scores 57 on the 0-to-100 scale across US counties but 24 across Ohio counties, a gap of 33 points.
Period 2026 Q1.Show the arithmetic
- 33 = |57 across US counties - 24 across Ohio counties|
position among the entities that published this metric this period; not an official level
noteChampaign County, OH's average weekly wage was 4.6% 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
- +4.6 % = 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
noteChampaign County, OH's typical asking rent fell 1.7% from $1,077 in August 2026 to $1,060 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- -1.7% = (1059.5 - 1077.413933927624) / 1077.413933927624 × 100
- 1059.5 = Zillow ZORI, 2026-09
- 1077.413933927624 = Zillow ZORI, 2026-08
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.