Richland County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 40.77, -82.54.
Assembled 2026-10-19. Read the brief.
- 37th pct · 1,907th of 3,063 US counties · median $230,451
- 40th pct · 53rd of 88 Ohio counties · median $218,478
- counties in the Mansfield metro: Rank context is unavailable: the manifest lists 1 counties in the Mansfield metro; fewer than 5 is too few to rank.
- 81st pct · 567th of 3,062 US counties · median +2.9%
- 80th pct · 18th of 88 Ohio counties · median +3.9%
- counties in the Mansfield metro: Rank context is unavailable: the manifest lists 1 counties in the Mansfield metro; fewer than 5 is too few to rank.
- 3rd pct · 1,316th of 1,358 US counties · median $1,506
- 3rd pct · 53rd of 55 Ohio counties · median $1,340
- counties in the Mansfield metro: Rank context is unavailable: the manifest lists 1 counties in the Mansfield metro; fewer than 5 is too few to rank.
- 83rd pct · 534th of 3,221 US counties · median 8,232
- 73rd pct · 24th of 88 Ohio counties · median 20,657
- counties in the Mansfield metro: Rank context is unavailable: the manifest lists 1 counties in the Mansfield metro; fewer than 5 is too few to rank.
- 46th pct · 1,720th of 3,221 US counties · median $1,039
- 27th pct · 64th of 88 Ohio counties · median $1,081
- counties in the Mansfield metro: Rank context is unavailable: the manifest lists 1 counties in the Mansfield metro; fewer than 5 is too few to rank.
- 38th pct · 1,870th of 3,063 US counties · median 4.2
- 55th pct · 40th of 88 Ohio counties · median 3.7
- counties in the Mansfield metro: Rank context is unavailable: the manifest lists 1 counties in the Mansfield 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 $198,720 (Sep 2026), +6.0% over one year, +40.7% over five
- 37th pct · 1,907th of 3,063 US counties · median $230,451
- 40th pct · 53rd of 88 Ohio counties · median $218,478
- counties in the Mansfield metro: Rank context is unavailable: the manifest lists 1 counties in the Mansfield metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Richland County, OH | $198,720 · +6.0% 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 $894/mo (Sep 2026), +4.8% over one year; price-to-rent 18.5
- 3rd pct · 1,316th of 1,358 US counties · median $1,506
- 3rd pct · 53rd of 55 Ohio counties · median $1,340
- counties in the Mansfield metro: Rank context is unavailable: the manifest lists 1 counties in the Mansfield metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Richland County, OH | $894/mo · +4.8% 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 $1,101 a month on $198,720 at 7.40%, against an average weekly wage worth $4,437 a month: 24.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $198,720 × 80% = $158,976, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,101/mo principal and interest
- wage share = payment / (avg weekly wage $1,024 × 52 / 12 = $4,437) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $198,720 / ($1,024 × 52) = 3.7
- price-to-rent = $198,720 / ($894 × 12) = 18.5
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 #
47,324 jobs at 2,894 employers (2026 Q1); -1.8% jobs and +3.2% average weekly wage over the year
- 83rd pct · 534th of 3,221 US counties · median 8,232
- 73rd pct · 24th of 88 Ohio counties · median 20,657
- counties in the Mansfield metro: Rank context is unavailable: the manifest lists 1 counties in the Mansfield metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Richland County, OH | 47,324 jobs · $1,024/wk · -1.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 8,818 | $1,260 | 2.32 | -6.8% |
| Health care and social assistance | 8,381 | $1,062 | 1.18 | +2.1% |
| Retail trade | 5,844 | $648 | 1.27 | -1.1% |
| Accommodation and food services | 4,731 | $379 | 1.11 | +0.3% |
| Administrative and waste services | 2,240 | $800 | 0.83 | +3.6% |
| Transportation and warehousing | 1,384 | $1,553 | 0.69 | -9.4% |
| Wholesale trade | 1,363 | $1,317 | 0.75 | -3.5% |
| Other services | 1,245 | $655 | 0.88 | -4.5% |
| Professional and technical services | 909 | $1,212 | 0.28 | +1.5% |
| Finance and insurance | 877 | $1,552 | 0.45 | -7.1% |
| Arts, entertainment and recreation | 794 | $373 | 1.02 | -5.8% |
| Educational services | 711 | $548 | 0.70 | +6.4% |
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 #
$2.5 bn in deposits at 36 offices of 11 banks (SOD June 2026); HHI 2,022, highly concentrated. $805.2 m federal obligations in FY2026 (direct payments $769.7 m, grants $32.0 m), $17,015 per covered job
| Item | Value | Distance |
|---|---|---|
| Mechanics Bank | $786.0 m · 31.3% share · 9 offices | |
| The Park National Bank | $669.5 m · 26.6% share · 9 offices | |
| The Huntington National Bank | $312.2 m · 12.4% share · 3 offices | |
| Richland, OH | $805.2 m FY2026 · $17,015/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Mechanics Bank | $785,956,000 | 31.3% | 9 |
| The Park National Bank | $669,475,000 | 26.6% | 9 |
| The Huntington National Bank | $312,241,000 | 12.4% | 3 |
| JPMorgan Chase Bank, National Association | $257,512,000 | 10.2% | 3 |
| KeyBank National Association | $142,946,000 | 5.7% | 2 |
| Civista Bank | $104,093,000 | 4.1% | 2 |
| First Federal Bank of Ohio | $77,487,000 | 3.1% | 3 |
| Sutton Bank | $71,194,000 | 2.8% | 2 |
| U.S. Bank National Association | $60,371,000 | 2.4% | 1 |
| CNB Bank | $27,772,000 | 1.1% | 1 |
Deposit concentration is 2,022 across 11 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 11 banks with deposits in the county = 31.3² + 26.6² + 12.4² + … (8 more) = 2,022
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 $17,015 per covered job, against 47,324 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $805.2 m / 47,324 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $17,015
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 #
Richland County, OH: 9 findings, 1 at a watch level and 8 noted
watchRichland County, OH's covered employment is -1.8% 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 = -1.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteRichland County, OH's average weekly wage was 3.2% 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
- +3.2 % = 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
noteRichland County, OH's covered employment was 1.8% 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
- -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
noteRichland County, OH's typical asking rent fell 0.6% from $899 in August 2026 to $894 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- -0.6% = (893.6428571428572 - 898.8823698071693) / 898.8823698071693 × 100
- 893.6428571428572 = Zillow ZORI, 2026-09
- 898.8823698071693 = Zillow ZORI, 2026-08
noteRichland County, OH's typical asking rent of $894 ranks 1,316th of 1,358 US counties, against a median of $1,506.
Period 2026-09.Show the arithmetic
- 3 on the 0-to-100 scale across 1358 US counties that published rent.latest
position among the entities that published this metric this period; not an official level
Read all 9 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.