Darke County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.13, -84.62.
Assembled 2026-10-19. Read the brief.
- 45th pct · 1,666th of 3,063 US counties · median $230,451
- 52nd pct · 42nd of 88 Ohio counties · median $218,478
- 93rd pct · 206th of 3,062 US counties · median +2.9%
- 97th pct · 3rd of 88 Ohio counties · median +3.9%
- US counties: not published this period
- Ohio counties: not published this period
- 68th pct · 1,014th of 3,221 US counties · median 8,232
- 39th pct · 54th of 88 Ohio counties · median 20,657
- 59th pct · 1,301st of 3,221 US counties · median $1,039
- 51st pct · 43rd of 88 Ohio counties · median $1,081
- 43rd pct · 1,742nd of 3,063 US counties · median 4.2
- 59th pct · 36th 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 $220,288 (Sep 2026), +8.5% over one year, +40.2% over five
- 45th pct · 1,666th of 3,063 US counties · median $230,451
- 52nd pct · 42nd of 88 Ohio counties · median $218,478
| Item | Value | Distance |
|---|---|---|
| Darke County, OH | $220,288 · +8.5% 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 $1,220 a month on $220,288 at 7.40%, against an average weekly wage worth $4,702 a month: 26.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $220,288 × 80% = $176,231, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,220/mo principal and interest
- wage share = payment / (avg weekly wage $1,085 × 52 / 12 = $4,702) = 26% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $220,288 / ($1,085 × 52) = 3.9
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 #
17,733 jobs at 1,341 employers (2026 Q1); -2.3% jobs and +7.0% average weekly wage over the year
- 68th pct · 1,014th of 3,221 US counties · median 8,232
- 39th pct · 54th of 88 Ohio counties · median 20,657
| Item | Value | Distance |
|---|---|---|
| Darke County, OH | 17,733 jobs · $1,085/wk · -2.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 3,701 | $1,539 | 2.59 | -7.1% |
| Health care and social assistance | 2,488 | $933 | 0.93 | -0.8% |
| Retail trade | 1,963 | $637 | 1.14 | +1.5% |
| Accommodation and food services | 1,215 | $353 | 0.76 | -1.1% |
| Wholesale trade | 981 | $1,631 | 1.44 | +3.0% |
| Transportation and warehousing | 857 | $1,190 | 1.15 | -4.8% |
| Construction | 834 | $1,116 | 0.90 | -5.0% |
| Administrative and waste services | 691 | $909 | 0.69 | -0.3% |
| Other services | 573 | $570 | 1.08 | -6.1% |
| Finance and insurance | 550 | $1,517 | 0.76 | -1.1% |
| Arts, entertainment and recreation | 178 | $324 | 0.61 | -3.8% |
| Real estate and rental | 90 | $906 | 0.33 | -6.2% |
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 #
Surface water layer not loaded
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 #
Surface water layer not loaded
Sites found: 0, 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.
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 #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, 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.
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 (0.00)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 / 0.35
Banks & federal dollars #
$1.7 bn in deposits at 23 offices of 11 banks (SOD June 2026); HHI 1,569, moderately concentrated. $327.3 m federal obligations in FY2026 (direct payments $311.4 m, grants $8.9 m), $18,460 per covered job
| Item | Value | Distance |
|---|---|---|
| Greenville National Bank | $451.1 m · 26.4% share · 7 offices | |
| The Park National Bank | $327.8 m · 19.2% share · 5 offices | |
| Osgood Bank | $253.9 m · 14.9% share · 1 office | |
| Darke, OH | $327.3 m FY2026 · $18,460/job | |
| MULTIPLE RECIPIENTS | $299.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Greenville National Bank | $451,111,000 | 26.4% | 7 |
| The Park National Bank | $327,752,000 | 19.2% | 5 |
| Osgood Bank | $253,902,000 | 14.9% | 1 |
| Greenville Federal | $187,682,000 | 11.0% | 1 |
| The Farmers State Bank | $146,830,000 | 8.6% | 3 |
| U.S. Bank National Association | $93,725,000 | 5.5% | 1 |
| JPMorgan Chase Bank, National Association | $83,913,000 | 4.9% | 1 |
| Fifth Third Bank, National Association | $75,620,000 | 4.4% | 1 |
| Versailles Savings and Loan Company | $51,133,000 | 3.0% | 1 |
| Mercer Savings Bank | $25,270,000 | 1.5% | 1 |
Deposit concentration is 1,569 across 11 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 26.4² + 19.2² + 14.9² + … (8 more) = 1,569
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 | $274,535,603 |
| Department of Veterans Affairs | $31,016,012 |
| Department of Agriculture | $9,899,110 |
| Department of Transportation | $6,227,676 |
| Department of Health and Human Services | $2,800,607 |
| Federal Communications Commission | $1,277,117 |
| Department of Housing and Urban Development | $1,239,892 |
| Railroad Retirement Board | $677,467 |
| Department of Education | $96,977 |
| Small Business Administration | $0 |
| Department of Homeland Security | -$556 |
| Environmental Protection Agency | -$420,000 |
That is $18,460 per covered job, against 17,733 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $327.3 m / 17,733 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,460
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 #
Darke County, OH: 7 findings, 1 at a watch level and 6 noted
watchDarke County, OH's covered employment is -2.3% 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 = -2.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteDarke County, OH's average weekly wage was 7.0% 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
- +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
noteDarke County, OH's covered employment was 2.3% 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
- -2.3 % = 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
noteDarke County, OH's typical home value of +8.5% ranks 3rd of 88 Ohio counties, against a median of +3.9%.
Period 2026-09.Show the arithmetic
- 98 on the 0-to-100 scale across 88 Ohio counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
noteDarke County, OH's typical home value of +8.5% ranks 206th of 3,062 US counties, against a median of +2.9%.
Period 2026-09.Show the arithmetic
- 93 on the 0-to-100 scale across 3062 US counties that published home.yoyPct
position among the entities that published this metric this period; not an official level
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.