Charlevoix County, MI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 45.62, -85.54.
Assembled 2026-10-06. Read the brief.
- 87th pct · 384th of 3,063 US counties · median $234,566
- 95th pct · 5th of 83 Michigan counties · median $226,891
- 52nd pct · 1,445th of 3,063 US counties · median +2.9%
- 15th pct · 70th of 83 Michigan counties · median +5.7%
- US counties: not published this period
- Michigan counties: not published this period
- 55th pct · 1,428th of 3,221 US counties · median 8,232
- 40th pct · 50th of 83 Michigan counties · median 12,414
- 70th pct · 949th of 3,221 US counties · median $1,039
- 73rd pct · 23rd of 83 Michigan counties · median $1,045
- 87th pct · 379th of 3,063 US counties · median 4.3
- 95th pct · 5th 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 $414,735 (Aug 2026), +3.2% over one year, +28.7% over five
- 87th pct · 384th of 3,063 US counties · median $234,566
- 95th pct · 5th of 83 Michigan counties · median $226,891
| Item | Value | Distance |
|---|---|---|
| Charlevoix County, MI | $414,735 · +3.2% 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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Michigan counties: not published this period
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 $2,270 a month on $414,735 at 7.28%, against an average weekly wage worth $4,992 a month: 45.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $414,735 × 80% = $331,788, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,270/mo principal and interest
- wage share = payment / (avg weekly wage $1,152 × 52 / 12 = $4,992) = 45% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $414,735 / ($1,152 × 52) = 6.9
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 #
10,301 jobs at 911 employers (2026 Q1); +0.3% jobs and +0.5% average weekly wage over the year
- 55th pct · 1,428th of 3,221 US counties · median 8,232
- 40th pct · 50th of 83 Michigan counties · median 12,414
| Item | Value | Distance |
|---|---|---|
| Charlevoix County, MI | 10,301 jobs · $1,152/wk · +0.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,570 | $1,554 | 3.10 | -3.4% |
| Accommodation and food services | 1,548 | $757 | 1.67 | -7.4% |
| Retail trade | 887 | $760 | 0.88 | +8.8% |
| Construction | 669 | $1,053 | 1.24 | +8.8% |
| Other services | 276 | $804 | 0.90 | +4.5% |
| Administrative and waste services | 234 | $1,078 | 0.40 | -6.0% |
| Arts, entertainment and recreation | 217 | $805 | 1.28 | -6.1% |
| Utilities | 188 | $2,982 | 4.62 | +0.0% |
| Real estate and rental | 171 | $760 | 1.08 | +17.1% |
| Finance and insurance | 124 | $1,372 | 0.30 | +8.8% |
| Information | 95 | $1,274 | 0.50 | +37.7% |
| Wholesale trade | 92 | $1,529 | 0.23 | -1.1% |
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 #
D0 abnormally dry
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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
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 #
5 gauges · 0 flooding · 0 with quality panels · 2 stale
Sites found: 5, 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.
| Site | Reading | Distance |
|---|---|---|
| BLACK RIVER NEAR GARNET, MI | flow 6.06 ft³/s | 57 km |
| MANISTIQUE RIVER NEAR MANISTIQUE, MI | flow 484.0 ft³/s | 66 km |
| MANISTIQUE RIVER ABOVE MANISTIQUE, MI | flow 3,580 ft³/s · STALE | 67 km |
| JORDAN RIVER NEAR EAST JORDAN, MI | flow 181.0 ft³/s | 67 km |
| INDIAN RIVER NEAR MANISTIQUE, MI | flow 466.0 ft³/s · STALE | 71 km |
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 #
3 wells in 0 named aquifers:
Sites found: 3, 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.
| Site | Reading | Distance |
|---|---|---|
| USGS-455603084535501 | depth 13.9 ft · 1959-08-28 | 61 km |
| USGS-454427084424002 | depth 5.81 ft · 2026-10-05 | 66 km |
| USGS-451700084454801 | depth 74.1 ft · 1953-10-08 | 71 km |
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 #
$506.1 m in deposits at 11 offices of 4 banks (SOD June 2026); HHI 4,080, highly concentrated. $222.3 m federal obligations in FY2026 (direct payments $212.4 m, contracts $6.8 m), $21,581 per covered job
| Item | Value | Distance |
|---|---|---|
| The Huntington National Bank | $233.6 m · 46.2% share · 3 offices | |
| Charlevoix State Bank | $216.2 m · 42.7% share · 6 offices | |
| JPMorgan Chase Bank, National Association | $56.2 m · 11.1% share · 1 office | |
| Charlevoix, MI | $222.3 m FY2026 · $21,581/job | |
| MULTIPLE RECIPIENTS | $211.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Huntington National Bank | $233,636,000 | 46.2% | 3 |
| Charlevoix State Bank | $216,186,000 | 42.7% | 6 |
| JPMorgan Chase Bank, National Association | $56,234,000 | 11.1% | 1 |
| Horizon Bank | $0 | 0.0% | 1 |
Deposit concentration is 4,080 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 46.2² + 42.7² + 11.1² = 4,080
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 | $195,638,957 |
| Department of Veterans Affairs | $15,794,962 |
| Department of Agriculture | $5,073,203 |
| Department of Defense | $1,808,032 |
| Department of Health and Human Services | $1,688,735 |
| Department of Transportation | $890,428 |
| Department of Housing and Urban Development | $695,098 |
| Department of Justice | $339,665 |
| Railroad Retirement Board | $333,134 |
| Federal Communications Commission | $101,840 |
| Department of Education | $92,181 |
| Small Business Administration | $322 |
That is $21,581 per covered job, against 10,301 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $222.3 m / 10,301 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $21,581
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 | -88,576.00 | 2026-07-01 | -24.4% |
| 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 #
Charlevoix County, MI: 6 findings, 1 at a watch level and 5 noted
watchCharlevoix County, MI's typical home value of +3.2% scores 53 on the 0-to-100 scale across US counties but 16 across Michigan counties, a gap of 37 points.
Period 2026-08.Show the arithmetic
- 37 = |53 across US counties - 16 across Michigan counties|
position among the entities that published this metric this period; not an official level
noteCharlevoix County, MI's average weekly wage was 0.5% 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
- +0.5 % = 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
noteCharlevoix County, MI's covered employment 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
noteCharlevoix County, MI's typical home value of $414,735 ranks 5th of 83 Michigan counties, against a median of $226,891.
Period 2026-08.Show the arithmetic
- 95 on the 0-to-100 scale across 83 Michigan counties that published home.latest
position among the entities that published this metric this period; not an official level
noteCharlevoix County, MI's years of wages of 6.9 ranks 5th of 83 Michigan counties, against a median of 4.1.
Period 2026-08.Show the arithmetic
- 95 on the 0-to-100 scale across 83 Michigan 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
Read all 6 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.