Gallia County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.82, -82.30.
Assembled 2026-10-19. Read the brief.
- 26th pct · 2,252nd of 3,063 US counties · median $230,451
- 17th pct · 73rd of 88 Ohio counties · median $218,478
- 89th pct · 315th of 3,062 US counties · median +2.9%
- 96th pct · 4th of 88 Ohio counties · median +3.9%
- US counties: not published this period
- Ohio counties: not published this period
- 57th pct · 1,356th of 3,221 US counties · median 8,232
- 25th pct · 66th of 88 Ohio counties · median 20,657
- 51st pct · 1,556th of 3,221 US counties · median $1,039
- 34th pct · 58th of 88 Ohio counties · median $1,081
- 25th pct · 2,273rd of 3,063 US counties · median 4.2
- 26th pct · 65th 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 $173,158 (Sep 2026), +7.5% over one year, +26.6% over five
- 26th pct · 2,252nd of 3,063 US counties · median $230,451
- 17th pct · 73rd of 88 Ohio counties · median $218,478
| Item | Value | Distance |
|---|---|---|
| Gallia County, OH | $173,158 · +7.5% 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 $959 a month on $173,158 at 7.40%, against an average weekly wage worth $4,528 a month: 21.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $173,158 × 80% = $138,526, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $959/mo principal and interest
- wage share = payment / (avg weekly wage $1,045 × 52 / 12 = $4,528) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $173,158 / ($1,045 × 52) = 3.2
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 #
11,426 jobs at 754 employers (2026 Q1); +0.9% jobs and +4.2% average weekly wage over the year
- 57th pct · 1,356th of 3,221 US counties · median 8,232
- 25th pct · 66th of 88 Ohio counties · median 20,657
| Item | Value | Distance |
|---|---|---|
| Gallia County, OH | 11,426 jobs · $1,045/wk · +0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,437 | $696 | 1.29 | +2.3% |
| Accommodation and food services | 979 | $368 | 0.95 | +2.2% |
| Construction | 611 | $1,066 | 1.02 | +4.8% |
| Utilities | 527 | $3,142 | 11.68 | +2.1% |
| Manufacturing | 440 | $1,105 | 0.48 | +0.0% |
| Transportation and warehousing | 334 | $1,023 | 0.69 | +2.8% |
| Finance and insurance | 317 | $1,716 | 0.68 | +0.0% |
| Other services | 253 | $637 | 0.74 | +0.0% |
| Professional and technical services | 221 | $1,192 | 0.28 | +43.5% |
| Wholesale trade | 104 | $1,051 | 0.24 | +13.0% |
| Real estate and rental | 48 | $774 | 0.27 | -12.7% |
| Arts, entertainment and recreation | 38 | $265 | 0.20 | -13.6% |
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.
Water #
Banks & federal dollars #
$948.5 m in deposits at 11 offices of 5 banks (SOD June 2026); HHI 6,049, highly concentrated. $192.8 m federal obligations in FY2026 (direct payments $184.0 m, grants $8.6 m), $16,871 per covered job
| Item | Value | Distance |
|---|---|---|
| The Ohio Valley Bank Company | $729.1 m · 76.9% share · 6 offices | |
| The Farmers Bank and Savings Company | $69.6 m · 7.3% share · 2 offices | |
| U.S. Bank National Association | $61.1 m · 6.4% share · 1 office | |
| Gallia, OH | $192.8 m FY2026 · $16,871/job | |
| MULTIPLE RECIPIENTS | $177.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Ohio Valley Bank Company | $729,054,000 | 76.9% | 6 |
| The Farmers Bank and Savings Company | $69,579,000 | 7.3% | 2 |
| U.S. Bank National Association | $61,056,000 | 6.4% | 1 |
| WesBanco Bank, Inc. | $52,671,000 | 5.6% | 1 |
| Peoples Bank | $36,121,000 | 3.8% | 1 |
Deposit concentration is 6,049 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 = 76.9² + 7.3² + 6.4² + … (2 more) = 6,049
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 | $153,275,562 |
| Department of Veterans Affairs | $22,363,671 |
| Department of Agriculture | $4,540,538 |
| Department of Transportation | $3,919,459 |
| Department of Education | $3,628,211 |
| Department of Housing and Urban Development | $2,129,634 |
| Railroad Retirement Board | $1,436,880 |
| Federal Communications Commission | $1,005,012 |
| Department of Health and Human Services | $340,372 |
| Department of Justice | $125,000 |
| Small Business Administration | $0 |
That is $16,871 per covered job, against 11,426 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $192.8 m / 11,426 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,871
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 #
Gallia County, OH: 8 findings, 1 at a watch level and 7 noted
watchGallia County, OH's covered employment of 11,426 scores 58 on the 0-to-100 scale across US counties but 25 across Ohio counties, a gap of 33 points.
Period 2026 Q1.Show the arithmetic
- 33 = |58 across US counties - 25 across Ohio counties|
position among the entities that published this metric this period; not an official level
noteGallia County, OH's average weekly wage was 4.2% 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
- +4.2 % = 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
noteGallia County, OH's covered employment was 0.9% 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
- +0.9 % = 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
noteGallia County, OH's typical home value rose 0.4% from $172,400 in August 2026 to $173,158 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.4% = (173157.91736908676 - 172399.83824819335) / 172399.83824819335 × 100
- 173157.91736908676 = Zillow ZHVI, 2026-09
- 172399.83824819335 = Zillow ZHVI, 2026-08
noteGallia County, OH's typical home value of +7.5% ranks 4th of 88 Ohio counties, against a median of +3.9%.
Period 2026-09.Show the arithmetic
- 97 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
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.