Hamilton County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.20, -84.54.
Assembled 2026-10-19. Read the brief.
- 61st pct · 1,170th of 3,063 US counties · median $230,451
- 75th pct · 22nd of 88 Ohio counties · median $218,478
- 28th pct · 11th of 15 counties in the Cincinnati metro · median $286,827
- 27th pct · 2,208th of 3,062 US counties · median +2.9%
- 2nd pct · 86th of 88 Ohio counties · median +3.9%
- 0th pct · 15th of 15 counties in the Cincinnati metro · median +2.9%
- 46th pct · 727th of 1,358 US counties · median $1,506
- 68th pct · 18th of 55 Ohio counties · median $1,340
- 14th pct · 7th of 8 counties in the Cincinnati metro · median $1,498
- 98th pct · 52nd of 3,221 US counties · median 8,232
- 97th pct · 3rd of 88 Ohio counties · median 20,657
- 100th pct · 1st of 15 counties in the Cincinnati metro · median 14,828
- 96th pct · 123rd of 3,221 US counties · median $1,039
- 98th pct · 2nd of 88 Ohio counties · median $1,081
- 100th pct · 1st of 15 counties in the Cincinnati metro · median $1,184
- 21st pct · 2,399th of 3,063 US counties · median 4.2
- 14th pct · 75th of 88 Ohio counties · median 3.7
- 7th pct · 14th of 15 counties in the Cincinnati metro · median 5.2
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 $266,241 (Sep 2026), +0.8% over one year, +24.2% over five
- 61st pct · 1,170th of 3,063 US counties · median $230,451
- 75th pct · 22nd of 88 Ohio counties · median $218,478
- 28th pct · 11th of 15 counties in the Cincinnati metro · median $286,827
| Item | Value | Distance |
|---|---|---|
| Hamilton County, OH | $266,241 · +0.8% 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 $1,468/mo (Sep 2026), +2.4% over one year; price-to-rent 15.1
- 46th pct · 727th of 1,358 US counties · median $1,506
- 68th pct · 18th of 55 Ohio counties · median $1,340
- 14th pct · 7th of 8 counties in the Cincinnati metro · median $1,498
| Item | Value | Distance |
|---|---|---|
| Hamilton County, OH | $1,468/mo · +2.4% 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 $1,475 a month on $266,241 at 7.40%, against an average weekly wage worth $7,371 a month: 20.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $266,241 × 80% = $212,993, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,475/mo principal and interest
- wage share = payment / (avg weekly wage $1,701 × 52 / 12 = $7,371) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $266,241 / ($1,701 × 52) = 3.0
- price-to-rent = $266,241 / ($1,468 × 12) = 15.1
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 #
505,469 jobs at 26,859 employers (2026 Q1); -0.9% jobs and +3.5% average weekly wage over the year
- 98th pct · 52nd of 3,221 US counties · median 8,232
- 97th pct · 3rd of 88 Ohio counties · median 20,657
- 100th pct · 1st of 15 counties in the Cincinnati metro · median 14,828
| Item | Value | Distance |
|---|---|---|
| Hamilton County, OH | 505,469 jobs · $1,701/wk · -0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 95,339 | $1,402 | 1.25 | +1.7% |
| Manufacturing | 47,508 | $2,604 | 1.17 | -0.7% |
| Accommodation and food services | 43,804 | $503 | 0.96 | +0.8% |
| Retail trade | 38,228 | $756 | 0.78 | +0.1% |
| Professional and technical services | 34,818 | $2,346 | 1.00 | -4.1% |
| Administrative and waste services | 28,338 | $993 | 0.99 | -4.2% |
| Finance and insurance | 28,250 | $3,429 | 1.37 | -2.3% |
| Management of companies | 25,835 | $3,654 | 3.05 | -4.3% |
| Construction | 23,157 | $1,669 | 0.87 | -1.0% |
| Wholesale trade | 19,156 | $2,373 | 0.99 | -3.5% |
| Other services | 14,957 | $874 | 0.99 | +0.7% |
| Educational services | 11,377 | $870 | 1.05 | +0.3% |
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 #
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 #
$153.9 bn in deposits at 233 offices of 32 banks (SOD June 2026); HHI 4,316, highly concentrated. $7.1 bn federal obligations in FY2026 (direct payments $4.4 bn, grants $1.4 bn), $14,117 per covered job
| Item | Value | Distance |
|---|---|---|
| U.S. Bank National Association | $92.4 bn · 60.0% share · 25 offices | |
| Fifth Third Bank, National Association | $40.3 bn · 26.2% share · 43 offices | |
| PNC Bank, National Association | $6.7 bn · 4.3% share · 25 offices | |
| Hamilton, OH | $7.1 bn FY2026 · $14,117/job | |
| MULTIPLE RECIPIENTS | $4.1 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| U.S. Bank National Association | $92,360,457,000 | 60.0% | 25 |
| Fifth Third Bank, National Association | $40,341,321,000 | 26.2% | 43 |
| PNC Bank, National Association | $6,674,347,000 | 4.3% | 25 |
| First Financial Bank | $3,796,721,000 | 2.5% | 20 |
| The Huntington National Bank | $2,624,008,000 | 1.7% | 14 |
| JPMorgan Chase Bank, National Association | $1,318,637,000 | 0.9% | 15 |
| Union Savings Bank | $1,176,468,000 | 0.8% | 9 |
| KeyBank National Association | $979,455,000 | 0.6% | 9 |
| The North Side Bank and Trust Company | $932,098,000 | 0.6% | 8 |
| Stock Yards Bank & Trust Company | $633,840,000 | 0.4% | 4 |
Deposit concentration is 4,316 across 31 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 31 banks with deposits in the county = 60.0² + 26.2² + 4.3² + … (28 more) = 4,316
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 | $3,650,198,668 |
| Department of Transportation | $989,854,310 |
| Department of Defense | $916,371,489 |
| Department of Health and Human Services | $567,223,324 |
| Department of Veterans Affairs | $334,706,837 |
| Department of Housing and Urban Development | $218,461,189 |
| Department of Education | $127,505,134 |
| Department of Energy | $102,994,415 |
| National Aeronautics and Space Administration | $50,828,828 |
| Environmental Protection Agency | $31,646,143 |
| Federal Communications Commission | $25,443,031 |
| Department of Commerce | $22,630,601 |
That is $14,117 per covered job, against 505,469 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $7.1 bn / 505,469 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,117
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 #
Hamilton County, OH: 16 findings, 1 at a watch level and 15 noted
watchHamilton County, OH's covered employment is -0.9% 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 = -0.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteHamilton County, OH's average weekly wage was 3.5% 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
- +3.5 % = 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
noteHamilton County, OH's covered employment was 0.9% 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
- -0.9 % = 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
noteHamilton County, OH's typical home value of +0.8% ranks 15th of 15 counties in the Cincinnati metro, against a median of +2.9%.
Period 2026-09.Show the arithmetic
- 0 on the 0-to-100 scale across 15 counties in the Cincinnati metro that published home.yoyPct
position among the entities that published this metric this period; not an official level
noteHamilton County, OH's average weekly wage of $1,701 ranks 1st of 15 counties in the Cincinnati metro, against a median of $1,184.
Period 2026 Q1.Show the arithmetic
- 100 on the 0-to-100 scale across 15 counties in the Cincinnati metro that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
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.