Allegan County, MI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.42, -86.26.
Assembled 2026-10-06. Read the brief.
- 78th pct · 651st of 3,063 US counties · median $234,566
- 86th pct · 12th of 83 Michigan counties · median $226,891
- 70th pct · 917th of 3,063 US counties · median +2.9%
- 41st pct · 49th of 83 Michigan counties · median +5.7%
- 48th pct · 726th of 1,399 US counties · median $1,496
- 76th pct · 10th of 40 Michigan counties · median $1,338
- 82nd pct · 559th of 3,221 US counties · median 8,232
- 79th pct · 18th of 83 Michigan counties · median 12,414
- 83rd pct · 528th of 3,221 US counties · median $1,039
- 84th pct · 14th of 83 Michigan counties · median $1,045
- 67th pct · 987th of 3,063 US counties · median 4.3
- 78th pct · 19th of 83 Michigan counties · median 4.1
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 $348,048 (Aug 2026), +4.8% over one year, +29.2% over five
- 78th pct · 651st of 3,063 US counties · median $234,566
- 86th pct · 12th of 83 Michigan counties · median $226,891
| Item | Value | Distance |
|---|---|---|
| Allegan County, MI | $348,048 · +4.8% 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 $1,480/mo (Aug 2026), +6.6% over one year; price-to-rent 19.6
- 48th pct · 726th of 1,399 US counties · median $1,496
- 76th pct · 10th of 40 Michigan counties · median $1,338
| Item | Value | Distance |
|---|---|---|
| Allegan County, MI | $1,480/mo · +6.6% 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 $1,905 a month on $348,048 at 7.28%, against an average weekly wage worth $5,564 a month: 34.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $348,048 × 80% = $278,438, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,905/mo principal and interest
- wage share = payment / (avg weekly wage $1,284 × 52 / 12 = $5,564) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $348,048 / ($1,284 × 52) = 5.2
- price-to-rent = $348,048 / ($1,480 × 12) = 19.6
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 #
45,018 jobs at 2,785 employers (2026 Q1); +8.7% jobs and +4.4% average weekly wage over the year
- 82nd pct · 559th of 3,221 US counties · median 8,232
- 79th pct · 18th of 83 Michigan counties · median 12,414
| Item | Value | Distance |
|---|---|---|
| Allegan County, MI | 45,018 jobs · $1,284/wk · +8.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 16,406 | $1,767 | 4.53 | +12.7% |
| Retail trade | 3,084 | $805 | 0.70 | -1.9% |
| Construction | 2,953 | $1,326 | 1.25 | +5.5% |
| Health care and social assistance | 2,899 | $858 | 0.43 | +7.4% |
| Accommodation and food services | 2,698 | $454 | 0.67 | +2.1% |
| Wholesale trade | 2,645 | $1,476 | 1.53 | +27.5% |
| Agriculture, forestry, fishing | 1,809 | $1,007 | 5.56 | +10.9% |
| Other services | 1,191 | $862 | 0.89 | +5.4% |
| Transportation and warehousing | 1,127 | $1,255 | 0.59 | +6.2% |
| Administrative and waste services | 990 | $753 | 0.39 | +15.1% |
| Arts, entertainment and recreation | 748 | $544 | 1.01 | +27.6% |
| Professional and technical services | 690 | $1,229 | 0.22 | +3.1% |
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 #
$1.5 bn in deposits at 17 offices of 6 banks (SOD June 2026); HHI 2,145, highly concentrated. $755.9 m federal obligations in FY2026 (direct payments $737.8 m, grants $16.7 m), $16,790 per covered job
| Item | Value | Distance |
|---|---|---|
| United Bank of Michigan | $402.3 m · 27.6% share · 4 offices | |
| The Huntington National Bank | $396.6 m · 27.2% share · 4 offices | |
| PNC Bank, National Association | $267.9 m · 18.4% share · 4 offices | |
| Allegan, MI | $755.9 m FY2026 · $16,790/job | |
| MULTIPLE RECIPIENTS | $721.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| United Bank of Michigan | $402,285,000 | 27.6% | 4 |
| The Huntington National Bank | $396,561,000 | 27.2% | 4 |
| PNC Bank, National Association | $267,870,000 | 18.4% | 4 |
| Fifth Third Bank, National Association | $192,375,000 | 13.2% | 2 |
| Macatawa Bank, National Association | $159,403,000 | 10.9% | 2 |
| Highpoint Community Bank | $37,592,000 | 2.6% | 1 |
Deposit concentration is 2,145 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 27.6² + 27.2² + 18.4² + … (3 more) = 2,145
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 | $671,930,159 |
| Department of Veterans Affairs | $47,875,196 |
| Department of Agriculture | $11,711,668 |
| Department of Health and Human Services | $9,334,869 |
| Department of Transportation | $5,776,422 |
| Federal Communications Commission | $2,771,247 |
| Department of Housing and Urban Development | $2,065,924 |
| Railroad Retirement Board | $1,566,562 |
| Department of the Interior | $1,241,775 |
| Department of Commerce | $493,926 |
| Department of Justice | $480,737 |
| Department of Defense | $409,868 |
That is $16,790 per covered job, against 45,018 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $755.9 m / 45,018 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $16,790
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 | 12.69 | 2026-10-05 | +3.3% |
| 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 · % | 72.60 | 2026-10-06 | +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 | 6.00 | 2026-09-22 | -14.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 6,830.00 | 2026-08-01 | +7.4% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| 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 | 646,347.00 | 2026-08-01 | +1.1% |
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 #
Allegan County, MI: 9 findings, 9 noted
noteAllegan County, MI's covered employment was 8.7% 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
- +8.7 % = 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
noteAllegan County, MI's average weekly wage was 4.4% 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
- +4.4 % = 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
noteAllegan County, MI's typical asking rent rose 0.9% from $1,468 in July 2026 to $1,480 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.9% = (1480.4444444444443 - 1467.851290490318) / 1467.851290490318 × 100
- 1480.4444444444443 = Zillow ZORI, 2026-08
- 1467.851290490318 = Zillow ZORI, 2026-07
noteAllegan County, MI's covered employment of +8.7% ranks 77th of 3,221 US counties, against a median of -0.2%.
Period 2026 Q1.Show the arithmetic
- 98 on the 0-to-100 scale across 3221 US counties that published jobs.yoy.emp
position among the entities that published this metric this period; not an official level
noteAllegan County, MI's covered employment of +8.7% ranks 3rd of 83 Michigan counties, against a median of +1.2%.
Period 2026 Q1.Show the arithmetic
- 98 on the 0-to-100 scale across 83 Michigan counties that published jobs.yoy.emp
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.