Crawford County, MI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 44.68, -84.61.
Assembled 2026-10-06. Read the brief.
- 27th pct · 2,207th of 3,063 US counties · median $234,566
- 14th pct · 71st of 83 Michigan counties · median $226,891
- 53rd pct · 1,436th of 3,063 US counties · median +2.9%
- 17th pct · 69th of 83 Michigan counties · median +5.7%
- US counties: not published this period
- Michigan counties: not published this period
- 28th pct · 2,318th of 3,221 US counties · median 8,232
- 13th pct · 72nd of 83 Michigan counties · median 12,414
- 43rd pct · 1,802nd of 3,221 US counties · median $1,039
- 42nd pct · 48th of 83 Michigan counties · median $1,045
- 29th pct · 2,154th of 3,063 US counties · median 4.3
- 18th pct · 68th 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 $179,558 (Aug 2026), +3.2% over one year, +23.1% over five
- 27th pct · 2,207th of 3,063 US counties · median $234,566
- 14th pct · 71st of 83 Michigan counties · median $226,891
| Item | Value | Distance |
|---|---|---|
| Crawford County, MI | $179,558 · +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 $983 a month on $179,558 at 7.28%, against an average weekly wage worth $4,390 a month: 22.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $179,558 × 80% = $143,646, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $983/mo principal and interest
- wage share = payment / (avg weekly wage $1,013 × 52 / 12 = $4,390) = 22% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $179,558 / ($1,013 × 52) = 3.4
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 #
3,473 jobs at 286 employers (2026 Q1); -10.7% jobs and -21.1% average weekly wage over the year
- 28th pct · 2,318th of 3,221 US counties · median 8,232
- 13th pct · 72nd of 83 Michigan counties · median 12,414
| Item | Value | Distance |
|---|---|---|
| Crawford County, MI | 3,473 jobs · $1,013/wk · -10.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 646 | $1,780 | 2.31 | +1.7% |
| Retail trade | 571 | $636 | 1.69 | -2.7% |
| Health care and social assistance | 326 | $689 | 0.62 | -59.1% |
| Other services | 162 | $685 | 1.56 | +7.3% |
| Transportation and warehousing | 113 | $1,186 | 0.77 | +0.0% |
| Administrative and waste services | 73 | $806 | 0.37 | +0.0% |
| Finance and insurance | 49 | $1,088 | 0.35 | -3.9% |
| Real estate and rental | 10 | $804 | 0.19 | +11.1% |
| Agriculture, forestry, fishing | withheld | |||
| Utilities | withheld | |||
| Construction | withheld | |||
| Wholesale trade | withheld |
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 #
$139.2 m in deposits at 2 offices of 2 banks (SOD June 2026); HHI 6,290, highly concentrated. $123.9 m federal obligations in FY2026 (direct payments $119.1 m, grants $2.9 m), $35,677 per covered job
| Item | Value | Distance |
|---|---|---|
| The Huntington National Bank | $104.9 m · 75.4% share · 1 office | |
| Horizon Bank | $34.2 m · 24.6% share · 1 office | |
| Crawford, MI | $123.9 m FY2026 · $35,677/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Huntington National Bank | $104,935,000 | 75.4% | 1 |
| Horizon Bank | $34,248,000 | 24.6% | 1 |
Deposit concentration is 6,290 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 75.4² + 24.6² = 6,290
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 $35,677 per covered job, against 3,473 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $123.9 m / 3,473 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $35,677
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 #
Crawford County, MI: 13 findings, 1 at an alert level, 4 at a watch level and 8 noted
alertCrawford County, MI's covered employment is -10.7% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, 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 = -10.7 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchCrawford County, MI's average weekly wage is -21.1% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, 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.avgWeeklyWage = -21.1 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchCrawford County, MI's covered employment is -10.7% 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 = -10.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchCrawford County, MI's momentum index is -0.53, a watch level here: momentum index in the cooling band (the cooling band of the momentum index computed here, score at or below -0.25; convention chosen for this dashboard, not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-08.Show the arithmetic
- test: momentum = -0.5341351001199455 <= -0.25
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
the cooling band of the momentum index computed here, score at or below -0.25; convention chosen for this dashboard, not an official level
watchCrawford County, MI's typical home value of +3.2% scores 53 on the 0-to-100 scale across US counties but 17 across Michigan counties, a gap of 36 points.
Period 2026-08.Show the arithmetic
- 36 = |53 across US counties - 17 across Michigan counties|
position among the entities that published this metric this period; not an official level
Read all 12 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.