Lucas County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.68, -83.47.
Assembled 2026-10-19. Read the brief.
- 28th pct · 2,204th of 3,063 US counties · median $230,451
- 20th pct · 70th of 88 Ohio counties · median $218,478
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
- 70th pct · 909th of 3,062 US counties · median +2.9%
- 70th pct · 27th of 88 Ohio counties · median +3.9%
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
- 21st pct · 1,071st of 1,358 US counties · median $1,506
- 37th pct · 35th of 55 Ohio counties · median $1,340
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
- 94th pct · 171st of 3,221 US counties · median 8,232
- 94th pct · 6th of 88 Ohio counties · median 20,657
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
- 84th pct · 513th of 3,221 US counties · median $1,039
- 86th pct · 12th of 88 Ohio counties · median $1,081
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
- 13th pct · 2,640th of 3,063 US counties · median 4.2
- 4th pct · 84th of 88 Ohio counties · median 3.7
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
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 $176,069 (Sep 2026), +4.6% over one year, +32.0% over five
- 28th pct · 2,204th of 3,063 US counties · median $230,451
- 20th pct · 70th of 88 Ohio counties · median $218,478
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Lucas County, OH | $176,069 · +4.6% 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 $1,198/mo (Sep 2026), +5.7% over one year; price-to-rent 12.2
- 21st pct · 1,071st of 1,358 US counties · median $1,506
- 37th pct · 35th of 55 Ohio counties · median $1,340
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Lucas County, OH | $1,198/mo · +5.7% 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 $975 a month on $176,069 at 7.40%, against an average weekly wage worth $5,586 a month: 17.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $176,069 × 80% = $140,855, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $975/mo principal and interest
- wage share = payment / (avg weekly wage $1,289 × 52 / 12 = $5,586) = 17% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $176,069 / ($1,289 × 52) = 2.6
- price-to-rent = $176,069 / ($1,198 × 12) = 12.2
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 #
190,205 jobs at 10,869 employers (2026 Q1); -2.4% jobs and +0.3% average weekly wage over the year
- 94th pct · 171st of 3,221 US counties · median 8,232
- 94th pct · 6th of 88 Ohio counties · median 20,657
- counties in the Toledo metro: Rank context is unavailable: the manifest lists 3 counties in the Toledo metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Lucas County, OH | 190,205 jobs · $1,289/wk · -2.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 38,457 | $1,328 | 1.34 | +0.1% |
| Manufacturing | 22,761 | $1,914 | 1.49 | -3.6% |
| Retail trade | 19,979 | $733 | 1.08 | -2.8% |
| Accommodation and food services | 19,708 | $440 | 1.15 | +1.2% |
| Administrative and waste services | 9,353 | $844 | 0.87 | -14.2% |
| Construction | 8,190 | $1,665 | 0.82 | -0.5% |
| Professional and technical services | 7,512 | $1,600 | 0.57 | -4.5% |
| Wholesale trade | 6,248 | $1,757 | 0.86 | +3.2% |
| Other services | 6,001 | $741 | 1.06 | -5.3% |
| Transportation and warehousing | 5,560 | $1,155 | 0.69 | +2.7% |
| Finance and insurance | 4,748 | $2,193 | 0.61 | +0.7% |
| Arts, entertainment and recreation | 3,601 | $664 | 1.15 | -5.9% |
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 #
$11.6 bn in deposits at 93 offices of 17 banks (SOD June 2026); HHI 1,368, moderately concentrated. $2.7 bn federal obligations in FY2026 (direct payments $2.7 bn, grants $59.5 m), $14,411 per covered job
| Item | Value | Distance |
|---|---|---|
| The Huntington National Bank | $2.4 bn · 21.0% share · 16 offices | |
| Fifth Third Bank, National Association | $2.2 bn · 19.1% share · 15 offices | |
| KeyBank National Association | $1.8 bn · 15.9% share · 15 offices | |
| Lucas, OH | $2.7 bn FY2026 · $14,411/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Huntington National Bank | $2,437,196,000 | 21.0% | 16 |
| Fifth Third Bank, National Association | $2,216,808,000 | 19.1% | 15 |
| KeyBank National Association | $1,837,191,000 | 15.9% | 15 |
| Waterford Bank, N.A. | $1,218,177,000 | 10.5% | 1 |
| Signature Bank, National Association | $1,142,597,000 | 9.9% | 1 |
| PNC Bank, National Association | $780,731,000 | 6.7% | 7 |
| Citizens Bank, National Association | $663,229,000 | 5.7% | 7 |
| WesBanco Bank, Inc. | $342,556,000 | 3.0% | 4 |
| The Genoa Banking Company | $241,071,000 | 2.1% | 4 |
| The Farmers & Merchants State Bank | $192,619,000 | 1.7% | 4 |
Deposit concentration is 1,368 across 17 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 17 banks with deposits in the county = 21.0² + 19.1² + 15.9² + … (14 more) = 1,368
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 #
That is $14,411 per covered job, against 190,205 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.7 bn / 190,205 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $14,411
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 #
Lucas County, OH: 11 findings, 1 at a watch level and 10 noted
watchLucas County, OH's covered employment is -2.4% 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 = -2.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteLucas County, OH's covered employment was 2.4% 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
- -2.4 % = 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
noteLucas County, OH's average weekly wage was 0.3% 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
- +0.3 % = 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
noteLucas County, OH's years of wages of 2.6 ranks 84th of 88 Ohio counties, against a median of 3.7.
Period 2026-09.Show the arithmetic
- 5 on the 0-to-100 scale across 88 Ohio counties that published yearsOfWages
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the entities that published this metric this period; not an official level
noteLucas County, OH's covered employment of 190,205 ranks 171st of 3,221 US counties, against a median of 8,232.
Period 2026 Q1.Show the arithmetic
- 95 on the 0-to-100 scale across 3221 US counties that published jobs.emp
position among the entities that published this metric this period; not an official level
Read all 11 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.