Wood County, OH
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.36, -83.62.
Assembled 2026-10-19. Read the brief.
- 53rd pct · 1,417th of 3,063 US counties · median $230,451
- 60th pct · 35th 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.
- 46th pct · 1,645th of 3,062 US counties · median +2.9%
- 20th pct · 70th 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.
- 56th pct · 591st of 1,358 US counties · median $1,506
- 83rd pct · 10th 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.
- 88th pct · 378th of 3,221 US counties · median 8,232
- 82nd pct · 16th 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.
- 77th pct · 712th of 3,221 US counties · median $1,039
- 78th pct · 20th 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.
- 41st pct · 1,788th of 3,063 US counties · median 4.2
- 57th pct · 38th 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 $242,240 (Sep 2026), +2.6% over one year, +22.0% over five
- 53rd pct · 1,417th of 3,063 US counties · median $230,451
- 60th pct · 35th 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 |
|---|---|---|
| Wood County, OH | $242,240 · +2.6% 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 $1,585/mo (Sep 2026), +4.3% over one year; price-to-rent 12.7
- 56th pct · 591st of 1,358 US counties · median $1,506
- 83rd pct · 10th 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 |
|---|---|---|
| Wood County, OH | $1,585/mo · +4.3% 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 $1,342 a month on $242,240 at 7.40%, against an average weekly wage worth $5,269 a month: 25.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $242,240 × 80% = $193,792, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,342/mo principal and interest
- wage share = payment / (avg weekly wage $1,216 × 52 / 12 = $5,269) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $242,240 / ($1,216 × 52) = 3.8
- price-to-rent = $242,240 / ($1,585 × 12) = 12.7
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 #
74,763 jobs at 3,505 employers (2026 Q1); -0.8% jobs and +5.6% average weekly wage over the year
- 88th pct · 378th of 3,221 US counties · median 8,232
- 82nd pct · 16th 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 |
|---|---|---|
| Wood County, OH | 74,763 jobs · $1,216/wk · -0.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 14,009 | $1,650 | 2.33 | -0.3% |
| Transportation and warehousing | 10,441 | $913 | 3.31 | -8.3% |
| Accommodation and food services | 7,483 | $360 | 1.11 | +4.9% |
| Health care and social assistance | 6,360 | $1,174 | 0.57 | +2.8% |
| Retail trade | 6,066 | $646 | 0.83 | -1.2% |
| Construction | 4,934 | $2,015 | 1.26 | +7.7% |
| Wholesale trade | 3,224 | $1,668 | 1.13 | -1.4% |
| Other services | 2,411 | $926 | 1.08 | -1.5% |
| Administrative and waste services | 2,137 | $901 | 0.50 | -11.3% |
| Professional and technical services | 1,847 | $1,474 | 0.36 | -0.4% |
| Finance and insurance | 1,227 | $1,856 | 0.40 | +4.4% |
| Information | 857 | $1,637 | 0.62 | -15.6% |
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 #
$3.1 bn in deposits at 41 offices of 16 banks (SOD June 2026); HHI 1,812, highly concentrated. $781.0 m federal obligations in FY2026 (direct payments $733.5 m, grants $37.4 m), $10,446 per covered job
| Item | Value | Distance |
|---|---|---|
| The Huntington National Bank | $1.1 bn · 35.8% share · 9 offices | |
| Fifth Third Bank, National Association | $536.3 m · 17.2% share · 4 offices | |
| KeyBank National Association | $268.2 m · 8.6% share · 3 offices | |
| Wood, OH | $781.0 m FY2026 · $10,446/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Huntington National Bank | $1,114,207,000 | 35.8% | 9 |
| Fifth Third Bank, National Association | $536,267,000 | 17.2% | 4 |
| KeyBank National Association | $268,237,000 | 8.6% | 3 |
| WesBanco Bank, Inc. | $219,939,000 | 7.1% | 2 |
| PNC Bank, National Association | $179,700,000 | 5.8% | 3 |
| The Farmers & Merchants State Bank | $140,016,000 | 4.5% | 3 |
| The Union Bank Company | $119,481,000 | 3.8% | 3 |
| The State Bank and Trust Company | $118,663,000 | 3.8% | 4 |
| Citizens Bank, National Association | $102,422,000 | 3.3% | 1 |
| Buckeye State Bank | $71,247,000 | 2.3% | 1 |
Deposit concentration is 1,812 across 16 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 16 banks with deposits in the county = 35.8² + 17.2² + 8.6² + … (13 more) = 1,812
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 $10,446 per covered job, against 74,763 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $781.0 m / 74,763 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $10,446
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 #
Wood County, OH: 7 findings, 1 at a watch level and 6 noted
watchWood County, OH's covered employment is -0.8% 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 = -0.8 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteWood County, OH's average weekly wage was 5.6% 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
- +5.6 % = 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
noteWood County, OH's covered employment was 0.8% 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
- -0.8 % = 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
noteWood County, OH's typical home value rose 0.3% from $241,557 in August 2026 to $242,240 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.3% = (242240.42545086963 - 241556.54713139354) / 241556.54713139354 × 100
- 242240.42545086963 = Zillow ZHVI, 2026-09
- 241556.54713139354 = Zillow ZHVI, 2026-08
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Wood 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.