Lawrence County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 38.60, -82.52.
Assembled 2026-10-19. Read the brief.
- 15th pct · 2,574th of 3,063 US counties · median $230,451
- 6th pct · 82nd of 88 Ohio counties · median $218,478
- 42nd pct · 5th of 8 counties in the Huntington-Ashland metro · median $151,355
- 55th pct · 1,374th of 3,062 US counties · median +2.9%
- 29th pct · 62nd of 88 Ohio counties · median +3.9%
- 71st pct · 3rd of 8 counties in the Huntington-Ashland metro · median +1.9%
- US counties: not published this period
- Ohio counties: not published this period
- counties in the Huntington-Ashland metro: not published this period
- 63rd pct · 1,192nd of 3,221 US counties · median 8,232
- 32nd pct · 60th of 88 Ohio counties · median 20,657
- 57th pct · 4th of 8 counties in the Huntington-Ashland metro · median 11,177
- 31st pct · 2,208th of 3,221 US counties · median $1,039
- 10th pct · 79th of 88 Ohio counties · median $1,081
- 42nd pct · 5th of 8 counties in the Huntington-Ashland metro · median $1,051
- 19th pct · 2,451st of 3,063 US counties · median 4.2
- 11th pct · 78th of 88 Ohio counties · median 3.7
- 42nd pct · 5th of 8 counties in the Huntington-Ashland metro · median 3.1
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 $146,838 (Sep 2026), +3.3% over one year, +20.5% over five
- 15th pct · 2,574th of 3,063 US counties · median $230,451
- 6th pct · 82nd of 88 Ohio counties · median $218,478
- 42nd pct · 5th of 8 counties in the Huntington-Ashland metro · median $151,355
| Item | Value | Distance |
|---|---|---|
| Lawrence County, OH | $146,838 · +3.3% 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
- counties in the Huntington-Ashland metro: 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 $813 a month on $146,838 at 7.40%, against an average weekly wage worth $4,151 a month: 19.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $146,838 × 80% = $117,470, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $813/mo principal and interest
- wage share = payment / (avg weekly wage $958 × 52 / 12 = $4,151) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $146,838 / ($958 × 52) = 2.9
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 #
13,999 jobs at 1,040 employers (2026 Q1); +1.8% jobs and +4.2% average weekly wage over the year
- 63rd pct · 1,192nd of 3,221 US counties · median 8,232
- 32nd pct · 60th of 88 Ohio counties · median 20,657
- 57th pct · 4th of 8 counties in the Huntington-Ashland metro · median 11,177
| Item | Value | Distance |
|---|---|---|
| Lawrence County, OH | 13,999 jobs · $958/wk · +1.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 3,655 | $935 | 1.74 | +0.9% |
| Retail trade | 1,653 | $590 | 1.21 | -0.9% |
| Accommodation and food services | 1,240 | $382 | 0.99 | +2.0% |
| Manufacturing | 1,203 | $1,370 | 1.07 | +8.4% |
| Transportation and warehousing | 793 | $1,097 | 1.34 | -6.7% |
| Other services | 398 | $951 | 0.95 | +8.7% |
| Professional and technical services | 274 | $967 | 0.28 | +31.1% |
| Administrative and waste services | 189 | $886 | 0.24 | -14.9% |
| Finance and insurance | 161 | $989 | 0.28 | -8.0% |
| Real estate and rental | 147 | $1,066 | 0.68 | +0.0% |
| Wholesale trade | 144 | $1,248 | 0.27 | -8.3% |
| Utilities | 140 | $3,286 | 2.53 | -2.1% |
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 #
$737.6 m in deposits at 14 offices of 7 banks (SOD June 2026); HHI 1,747, moderately concentrated. $421.0 m federal obligations in FY2026 (direct payments $384.5 m, grants $34.6 m), $30,075 per covered job
| Item | Value | Distance |
|---|---|---|
| U.S. Bank National Association | $202.0 m · 27.4% share · 3 offices | |
| City National Bank of West Virginia | $142.1 m · 19.3% share · 3 offices | |
| PNC Bank, National Association | $108.5 m · 14.7% share · 1 office | |
| Lawrence, OH | $421.0 m FY2026 · $30,075/job | |
| MULTIPLE RECIPIENTS | $377.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| U.S. Bank National Association | $201,994,000 | 27.4% | 3 |
| City National Bank of West Virginia | $142,127,000 | 19.3% | 3 |
| PNC Bank, National Association | $108,524,000 | 14.7% | 1 |
| WesBanco Bank, Inc. | $98,973,000 | 13.4% | 2 |
| Peoples Bank | $86,833,000 | 11.8% | 2 |
| The Ohio Valley Bank Company | $52,874,000 | 7.2% | 1 |
| Liberty Bank | $46,230,000 | 6.3% | 2 |
Deposit concentration is 1,747 across 7 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 27.4² + 19.3² + 14.7² + … (4 more) = 1,747
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 | $310,840,120 |
| Department of Veterans Affairs | $51,882,065 |
| Department of Transportation | $20,048,476 |
| Department of Health and Human Services | $13,803,370 |
| Railroad Retirement Board | $13,567,015 |
| Department of Housing and Urban Development | $3,928,478 |
| Department of Education | $2,591,808 |
| Department of Agriculture | $2,292,482 |
| Federal Communications Commission | $1,604,334 |
| Department of Defense | $455,676 |
| Small Business Administration | $0 |
That is $30,075 per covered job, against 13,999 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $421.0 m / 13,999 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $30,075
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 #
Lawrence County, OH: 8 findings, 1 at a watch level and 7 noted
watchLawrence County, OH's covered employment of 13,999 scores 63 on the 0-to-100 scale across US counties but 32 across Ohio counties, a gap of 31 points.
Period 2026 Q1.Show the arithmetic
- 31 = |63 across US counties - 32 across Ohio counties|
position among the entities that published this metric this period; not an official level
noteLawrence 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
noteLawrence County, OH's covered employment was 1.8% 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
- +1.8 % = 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
noteLawrence County, OH's typical home value rose 0.4% from $146,300 in August 2026 to $146,838 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.4% = (146837.69226474068 - 146300.29098073795) / 146300.29098073795 × 100
- 146837.69226474068 = Zillow ZHVI, 2026-09
- 146300.29098073795 = Zillow ZHVI, 2026-08
noteLawrence County, OH's momentum index of 0.53 ranks 1st of 8 counties in the Huntington-Ashland metro, against a median of 0.10.
Period 2026-09.Show the arithmetic
- 100 on the 0-to-100 scale across 8 counties in the Huntington-Ashland metro that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
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.