Geauga County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.50, -81.17.
Assembled 2026-10-19. Read the brief.
- 86th pct · 425th of 3,063 US counties · median $230,451
- 96th pct · 4th of 88 Ohio counties · median $218,478
- 100th pct · 1st of 6 counties in the Cleveland metro · median $255,286
- 82nd pct · 543rd of 3,062 US counties · median +2.9%
- 82nd pct · 16th of 88 Ohio counties · median +3.9%
- 80th pct · 2nd of 6 counties in the Cleveland metro · median +4.4%
- 85th pct · 202nd of 1,358 US counties · median $1,506
- 100th pct · 1st of 55 Ohio counties · median $1,340
- 100th pct · 1st of 6 counties in the Cleveland metro · median $1,461
- 79th pct · 653rd of 3,221 US counties · median 8,232
- 67th pct · 29th of 88 Ohio counties · median 20,657
- 20th pct · 5th of 6 counties in the Cleveland metro · median 79,942
- 72nd pct · 896th of 3,221 US counties · median $1,039
- 70th pct · 27th of 88 Ohio counties · median $1,081
- 40th pct · 4th of 6 counties in the Cleveland metro · median $1,186
- 85th pct · 456th of 3,063 US counties · median 4.2
- 97th pct · 3rd of 88 Ohio counties · median 3.7
- 100th pct · 1st of 6 counties in the Cleveland metro · median 4.2
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 $398,271 (Sep 2026), +6.1% over one year, +33.5% over five
- 86th pct · 425th of 3,063 US counties · median $230,451
- 96th pct · 4th of 88 Ohio counties · median $218,478
- 100th pct · 1st of 6 counties in the Cleveland metro · median $255,286
| Item | Value | Distance |
|---|---|---|
| Geauga County, OH | $398,271 · +6.1% 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 $2,049/mo (Sep 2026), n/a over one year; price-to-rent 16.2
- 85th pct · 202nd of 1,358 US counties · median $1,506
- 100th pct · 1st of 55 Ohio counties · median $1,340
- 100th pct · 1st of 6 counties in the Cleveland metro · median $1,461
| Item | Value | Distance |
|---|---|---|
| Geauga County, OH | $2,049/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 $2,206 a month on $398,271 at 7.40%, against an average weekly wage worth $5,053 a month: 43.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $398,271 × 80% = $318,617, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,206/mo principal and interest
- wage share = payment / (avg weekly wage $1,166 × 52 / 12 = $5,053) = 44% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $398,271 / ($1,166 × 52) = 6.6
- price-to-rent = $398,271 / ($2,049 × 12) = 16.2
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 #
35,541 jobs at 3,143 employers (2026 Q1); -0.7% jobs and +3.2% average weekly wage over the year
- 79th pct · 653rd of 3,221 US counties · median 8,232
- 67th pct · 29th of 88 Ohio counties · median 20,657
- 20th pct · 5th of 6 counties in the Cleveland metro · median 79,942
| Item | Value | Distance |
|---|---|---|
| Geauga County, OH | 35,541 jobs · $1,166/wk · -0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 6,417 | $1,395 | 2.24 | -2.3% |
| Retail trade | 5,308 | $698 | 1.53 | +8.4% |
| Health care and social assistance | 4,547 | $1,023 | 0.85 | -4.7% |
| Wholesale trade | 2,745 | $1,481 | 2.02 | -0.1% |
| Accommodation and food services | 2,570 | $406 | 0.80 | +2.3% |
| Construction | 2,235 | $1,311 | 1.20 | +0.0% |
| Administrative and waste services | 1,909 | $1,009 | 0.94 | -4.8% |
| Professional and technical services | 1,329 | $1,487 | 0.54 | +1.2% |
| Other services | 1,274 | $827 | 1.20 | +3.9% |
| Educational services | 1,116 | $881 | 1.46 | +0.8% |
| Finance and insurance | 991 | $3,316 | 0.68 | -2.8% |
| Management of companies | 388 | $3,171 | 0.65 | -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.
Drought #
D0 abnormally dry
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 #
$3.3 bn in deposits at 27 offices of 10 banks (SOD June 2026); HHI 1,587, moderately concentrated. $640.3 m federal obligations in FY2026 (direct payments $612.2 m, contracts $15.6 m), $18,015 per covered job
| Item | Value | Distance |
|---|---|---|
| The Huntington National Bank | $949.4 m · 28.5% share · 4 offices | |
| The Farmers National Bank of Canfield | $592.2 m · 17.8% share · 5 offices | |
| JPMorgan Chase Bank, National Association | $418.2 m · 12.6% share · 4 offices | |
| Geauga, OH | $640.3 m FY2026 · $18,015/job | |
| MULTIPLE RECIPIENTS | $609.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Huntington National Bank | $949,375,000 | 28.5% | 4 |
| The Farmers National Bank of Canfield | $592,157,000 | 17.8% | 5 |
| JPMorgan Chase Bank, National Association | $418,187,000 | 12.6% | 4 |
| Citizens Bank, National Association | $331,544,000 | 10.0% | 2 |
| KeyBank National Association | $260,677,000 | 7.8% | 4 |
| PNC Bank, National Association | $258,420,000 | 7.8% | 2 |
| Fifth Third Bank, National Association | $226,351,000 | 6.8% | 2 |
| First National Bank of Pennsylvania | $174,106,000 | 5.2% | 2 |
| U.S. Bank National Association | $84,284,000 | 2.5% | 1 |
| WesBanco Bank, Inc. | $36,934,000 | 1.1% | 1 |
Deposit concentration is 1,587 across 10 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 28.5² + 17.8² + 12.6² + … (7 more) = 1,587
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 | $569,352,260 |
| Department of Veterans Affairs | $39,739,503 |
| Department of Defense | $11,983,930 |
| Department of Transportation | $7,083,251 |
| Department of Health and Human Services | $3,723,087 |
| Department of Housing and Urban Development | $3,673,254 |
| Department of Homeland Security | $1,758,104 |
| Railroad Retirement Board | $1,645,771 |
| Department of Agriculture | $483,033 |
| Federal Communications Commission | $445,356 |
| Department of Justice | $281,030 |
| Department of State | $65,648 |
That is $18,015 per covered job, against 35,541 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $640.3 m / 35,541 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $18,015
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 #
Geauga County, OH: 15 findings, 1 at a watch level and 14 noted
watchGeauga County, OH's covered employment is -0.7% 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 = -0.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteGeauga County, OH's average weekly wage was 3.2% 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
- +3.2 % = 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
noteGeauga County, OH's typical home value rose 1.2% from $393,736 in August 2026 to $398,271 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +1.2% = (398271.1726738734 - 393736.05539719295) / 393736.05539719295 × 100
- 398271.1726738734 = Zillow ZHVI, 2026-09
- 393736.05539719295 = Zillow ZHVI, 2026-08
noteGeauga County, OH's typical asking rent rose 0.8% from $2,032 in August 2026 to $2,049 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +0.8% = (2048.8888888888887 - 2032.4654334919023) / 2032.4654334919023 × 100
- 2048.8888888888887 = Zillow ZORI, 2026-09
- 2032.4654334919023 = Zillow ZORI, 2026-08
noteGeauga County, OH's covered employment was 0.7% 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
- -0.7 % = 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
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.