Montgomery County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.75, -84.29.
Assembled 2026-10-19. Read the brief.
- 39th pct · 1,859th of 3,063 US counties · median $230,451
- 44th pct · 49th of 88 Ohio counties · median $218,478
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek metro; fewer than 5 is too few to rank.
- 50th pct · 1,507th of 3,062 US counties · median +2.9%
- 22nd pct · 68th of 88 Ohio counties · median +3.9%
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek metro; fewer than 5 is too few to rank.
- 28th pct · 967th of 1,358 US counties · median $1,506
- 46th pct · 30th of 55 Ohio counties · median $1,340
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek metro; fewer than 5 is too few to rank.
- 95th pct · 131st of 3,221 US counties · median 8,232
- 95th pct · 5th of 88 Ohio counties · median 20,657
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek metro; fewer than 5 is too few to rank.
- 83rd pct · 538th of 3,221 US counties · median $1,039
- 85th pct · 14th of 88 Ohio counties · median $1,081
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek metro; fewer than 5 is too few to rank.
- 22nd pct · 2,375th of 3,063 US counties · median 4.2
- 16th pct · 74th of 88 Ohio counties · median 3.7
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek 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 $202,892 (Sep 2026), +2.9% over one year, +33.2% over five
- 39th pct · 1,859th of 3,063 US counties · median $230,451
- 44th pct · 49th of 88 Ohio counties · median $218,478
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Montgomery County, OH | $202,892 · +2.9% 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 $1,284/mo (Sep 2026), +2.2% over one year; price-to-rent 13.2
- 28th pct · 967th of 1,358 US counties · median $1,506
- 46th pct · 30th of 55 Ohio counties · median $1,340
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Montgomery County, OH | $1,284/mo · +2.2% 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 $1,124 a month on $202,892 at 7.40%, against an average weekly wage worth $5,542 a month: 20.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $202,892 × 80% = $162,313, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,124/mo principal and interest
- wage share = payment / (avg weekly wage $1,279 × 52 / 12 = $5,542) = 20% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $202,892 / ($1,279 × 52) = 3.1
- price-to-rent = $202,892 / ($1,284 × 12) = 13.2
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 #
249,311 jobs at 13,136 employers (2026 Q1); +0.2% jobs and +1.9% average weekly wage over the year
- 95th pct · 131st of 3,221 US counties · median 8,232
- 95th pct · 5th of 88 Ohio counties · median 20,657
- counties in the Dayton-Kettering-Beavercreek metro: Rank context is unavailable: the manifest lists 3 counties in the Dayton-Kettering-Beavercreek metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Montgomery County, OH | 249,311 jobs · $1,279/wk · +0.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 53,978 | $1,316 | 1.44 | +2.5% |
| Manufacturing | 27,929 | $1,404 | 1.39 | +2.6% |
| Retail trade | 23,144 | $737 | 0.95 | -1.2% |
| Accommodation and food services | 21,330 | $456 | 0.95 | +1.2% |
| Professional and technical services | 13,959 | $1,926 | 0.81 | -3.5% |
| Transportation and warehousing | 12,489 | $1,116 | 1.19 | -4.0% |
| Administrative and waste services | 11,069 | $897 | 0.78 | +0.4% |
| Construction | 10,642 | $1,584 | 0.81 | +0.2% |
| Wholesale trade | 9,323 | $1,844 | 0.98 | +1.9% |
| Finance and insurance | 7,239 | $2,563 | 0.71 | +2.6% |
| Other services | 7,153 | $794 | 0.96 | -1.2% |
| Educational services | 6,191 | $1,191 | 1.15 | -2.9% |
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 #
$11.2 bn in deposits at 96 offices of 20 banks (SOD June 2026); HHI 1,578, moderately concentrated. $5.2 bn federal obligations in FY2026 (direct payments $4.1 bn, contracts $877.9 m), $20,820 per covered job
| Item | Value | Distance |
|---|---|---|
| Fifth Third Bank, National Association | $3.3 bn · 29.1% share · 16 offices | |
| JPMorgan Chase Bank, National Association | $1.9 bn · 16.8% share · 12 offices | |
| PNC Bank, National Association | $1.7 bn · 14.9% share · 11 offices | |
| Montgomery, OH | $5.2 bn FY2026 · $20,820/job | |
| MULTIPLE RECIPIENTS | $4.0 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Fifth Third Bank, National Association | $3,251,743,000 | 29.1% | 16 |
| JPMorgan Chase Bank, National Association | $1,875,753,000 | 16.8% | 12 |
| PNC Bank, National Association | $1,671,723,000 | 14.9% | 11 |
| KeyBank National Association | $1,091,758,000 | 9.8% | 9 |
| U.S. Bank National Association | $808,526,000 | 7.2% | 6 |
| The Huntington National Bank | $635,402,000 | 5.7% | 8 |
| First Financial Bank | $554,556,000 | 5.0% | 7 |
| Union Savings Bank | $419,389,000 | 3.7% | 4 |
| Farmers & Merchants Bank | $282,305,000 | 2.5% | 4 |
| LCNB National Bank | $187,505,000 | 1.7% | 3 |
Deposit concentration is 1,578 across 20 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 20 banks with deposits in the county = 29.1² + 16.8² + 14.9² + … (17 more) = 1,578
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 | $2,629,168,123 |
| Department of Health and Human Services | $978,809,579 |
| Department of Defense | $714,042,741 |
| Department of Veterans Affairs | $520,990,091 |
| Department of Housing and Urban Development | $123,617,027 |
| Department of Transportation | $82,295,818 |
| Department of Education | $59,663,933 |
| General Services Administration | $31,387,674 |
| Department of Labor | $8,826,450 |
| Federal Communications Commission | $7,779,059 |
| Railroad Retirement Board | $4,831,431 |
| Department of Commerce | $4,664,927 |
That is $20,820 per covered job, against 249,311 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $5.2 bn / 249,311 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,820
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 #
Montgomery County, OH: 7 findings, 7 noted
noteMontgomery County, OH's average weekly wage was 1.9% 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
- +1.9 % = 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
noteMontgomery County, OH's covered employment was 0.2% 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
- +0.2 % = 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
noteMontgomery County, OH's covered employment of 249,311 ranks 131st of 3,221 US counties, against a median of 8,232.
Period 2026 Q1.Show the arithmetic
- 96 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
noteMontgomery County, OH's covered employment of 249,311 ranks 5th of 88 Ohio counties, against a median of 20,657.
Period 2026 Q1.Show the arithmetic
- 95 on the 0-to-100 scale across 88 Ohio counties that published jobs.emp
position among the entities that published this metric this period; not an official level
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Montgomery County, OH is due between 2026-10-30 and 2026-11-13, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-30 to 2026-11-13, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
Read all 7 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.