Guernsey County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.06, -81.50.
Assembled 2026-10-19. Read the brief.
- 23rd pct · 2,335th of 3,063 US counties · median $230,451
- 13th pct · 76th of 88 Ohio counties · median $218,478
- 61st pct · 1,174th of 3,062 US counties · median +2.9%
- 49th pct · 45th of 88 Ohio counties · median +3.9%
- 35th pct · 875th of 1,358 US counties · median $1,506
- 55th pct · 25th of 55 Ohio counties · median $1,340
- 63rd pct · 1,166th of 3,221 US counties · median 8,232
- 33rd pct · 59th of 88 Ohio counties · median 20,657
- 60th pct · 1,272nd of 3,221 US counties · median $1,039
- 52nd pct · 42nd of 88 Ohio counties · median $1,081
- 19th pct · 2,452nd of 3,063 US counties · median 4.2
- 10th pct · 79th 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 $167,065 (Sep 2026), +3.8% over one year, +19.5% over five
- 23rd pct · 2,335th of 3,063 US counties · median $230,451
- 13th pct · 76th of 88 Ohio counties · median $218,478
| Item | Value | Distance |
|---|---|---|
| Guernsey County, OH | $167,065 · +3.8% 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 $1,350/mo (Sep 2026), n/a over one year; price-to-rent 10.3
- 35th pct · 875th of 1,358 US counties · median $1,506
- 55th pct · 25th of 55 Ohio counties · median $1,340
| Item | Value | Distance |
|---|---|---|
| Guernsey County, OH | $1,350/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 $925 a month on $167,065 at 7.40%, against an average weekly wage worth $4,723 a month: 19.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $167,065 × 80% = $133,652, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $925/mo principal and interest
- wage share = payment / (avg weekly wage $1,090 × 52 / 12 = $4,723) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $167,065 / ($1,090 × 52) = 2.9
- price-to-rent = $167,065 / ($1,350 × 12) = 10.3
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 #
14,511 jobs at 970 employers (2026 Q1); 0.0% jobs and +5.8% average weekly wage over the year
- 63rd pct · 1,166th of 3,221 US counties · median 8,232
- 33rd pct · 59th of 88 Ohio counties · median 20,657
| Item | Value | Distance |
|---|---|---|
| Guernsey County, OH | 14,511 jobs · $1,090/wk · 0.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 2,838 | $913 | 1.30 | -0.4% |
| Manufacturing | 2,766 | $1,406 | 2.37 | +1.3% |
| Retail trade | 1,643 | $658 | 1.16 | +0.6% |
| Accommodation and food services | 1,527 | $383 | 1.17 | -3.2% |
| Transportation and warehousing | 621 | $1,365 | 1.02 | +5.1% |
| Construction | 572 | $1,492 | 0.75 | +37.8% |
| Professional and technical services | 436 | $1,170 | 0.44 | +8.2% |
| Other services | 332 | $769 | 0.77 | -3.8% |
| Wholesale trade | 243 | $1,575 | 0.44 | -8.6% |
| Finance and insurance | 217 | $1,482 | 0.37 | +2.8% |
| Real estate and rental | 130 | $1,424 | 0.58 | +4.0% |
| Utilities | 98 | $2,708 | 1.71 | +46.3% |
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 #
86 gauges · 0 flooding · 15 with quality panels averaging 88 % · 5 stale
Sites found: 86, 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 |
|---|---|---|
| Standingstone Fork above Tappan Lake OH | stage 4.62 ft · quality 50 % (2) | 43 km |
| Brushy Fork above Clendening Lake OH | stage 1.79 ft · quality 50 % (2) | 37 km |
| Stillwater Creek above Piedmont Lake OH | stage 1.50 ft · quality 50 % (2) | 32 km |
| Salt Fork at North Salem | no readings | 7 km |
| Leatherwood Creek near Kipling OH | flow 30.3 ft³/s | 7 km |
| Wills Creek at Cambridge OH | flow 193.0 ft³/s · no flooding | 9 km |
| Wills Creek at Derwent OH | stage 4.64 ft · no flooding | 16 km |
| Seneca Fork bl Senecaville Dam near Senecaville OH | flow 74.1 ft³/s | 16 km |
| Seneca Fork at Senecaville Dam Pool | no readings | 16 km |
| Beaver Creek above Senecaville Lake OH | stage 4.63 ft · quality 100 % (2) | 23 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 #
59 wells in 2 named aquifers: Sand and gravel aquifers (glaciated regions), Pennsylvanian aquifers
Sites found: 59, 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-395858081294300 | depth 12.6 ft · 1978-12-22 | 8 km |
| USGS-395855081294100 | depth 7.41 ft · 1977-10-11 | 8 km |
| USGS-395847081313300 | depth 35.7 ft · 1977-11-21 | 9 km |
| USGS-395832081285900 | depth 50.9 ft · 1978-11-16 | 9 km |
| USGS-395707081311800 | depth 30.5 ft · 1978-08-17 | 12 km |
| USGS-395637081291500 | depth 13.0 ft · 1978-08-19 | 13 km |
| USGS-395611081305800 | depth 48.5 ft · 1978-08-19 | 13 km |
| USGS-395607081310200 | depth 57.0 ft · 1978-10-11 | 14 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 (0.04)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.12 / 0.55
Banks & federal dollars #
$943.7 m in deposits at 10 offices of 8 banks (SOD June 2026); HHI 2,188, highly concentrated. $258.5 m federal obligations in FY2026 (direct payments $238.0 m, grants $20.4 m), $17,811 per covered job
| Item | Value | Distance |
|---|---|---|
| Peoples Bank | $308.3 m · 32.7% share · 3 offices | |
| The Huntington National Bank | $240.6 m · 25.5% share · 1 office | |
| PNC Bank, National Association | $140.4 m · 14.9% share · 1 office | |
| Guernsey, OH | $258.5 m FY2026 · $17,811/job | |
| MULTIPLE RECIPIENTS | $229.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Peoples Bank | $308,347,000 | 32.7% | 3 |
| The Huntington National Bank | $240,593,000 | 25.5% | 1 |
| PNC Bank, National Association | $140,414,000 | 14.9% | 1 |
| U.S. Bank National Association | $121,933,000 | 12.9% | 1 |
| WesBanco Bank, Inc. | $72,521,000 | 7.7% | 1 |
| The Community Bank | $42,759,000 | 4.5% | 1 |
| The Citizens National Bank of Woodsfield | $12,386,000 | 1.3% | 1 |
| Woodforest National Bank | $4,736,000 | 0.5% | 1 |
Deposit concentration is 2,188 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 32.7² + 25.5² + 14.9² + … (5 more) = 2,188
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 | $198,233,440 |
| Department of Veterans Affairs | $30,406,739 |
| Department of Transportation | $19,667,326 |
| Department of Housing and Urban Development | $7,715,953 |
| Railroad Retirement Board | $779,078 |
| Department of Agriculture | $770,020 |
| Federal Communications Commission | $701,812 |
| Department of Health and Human Services | $444,880 |
| Small Business Administration | $0 |
| Department of the Interior | -$259,929 |
That is $17,811 per covered job, against 14,511 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $258.5 m / 14,511 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,811
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 #
Guernsey County, OH: 8 findings, 1 at a watch level and 7 noted
watchGuernsey County, OH's covered employment of 14,511 scores 64 on the 0-to-100 scale across US counties but 33 across Ohio counties, a gap of 30 points.
Period 2026 Q1.Show the arithmetic
- 30 = |64 across US counties - 33 across Ohio counties|
position among the entities that published this metric this period; not an official level
noteGuernsey County, OH's average weekly wage was 5.8% 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
- +5.8 % = 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
notetypical asking rent (rent.latest) and typical asking rent (rent.momPct) for Guernsey County, OH could not be lined up against the previous published period this run, so no change is printed for them.
Show the arithmetic
- not comparable this run: rent.latest, rent.momPct
the two newest month columns in the published file are not the two this table carries
noteGuernsey County, OH's price-to-rent ratio of 10.3 ranks 55th of 55 Ohio counties, against a median of 15.5.
Period 2026-09.Show the arithmetic
- 0 on the 0-to-100 scale across 55 Ohio counties that published priceToRent
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the entities that published this metric this period; not an official level
noteGuernsey County, OH's price-to-rent ratio of 10.3 ranks 1,329th of 1,358 US counties, against a median of 17.0.
Period 2026-09.Show the arithmetic
- 2 on the 0-to-100 scale across 1358 US counties that published priceToRent
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
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.