Huron County, MI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.91, -82.86.
Assembled 2026-10-07. Read the brief.
- 35th pct · 1,965th of 3,063 US counties · median $234,566
- 31st pct · 57th of 83 Michigan counties · median $226,891
- 72nd pct · 839th of 3,063 US counties · median +2.9%
- 46th pct · 45th of 83 Michigan counties · median +5.7%
- US counties: not published this period
- Michigan counties: not published this period
- 58th pct · 1,353rd of 3,221 US counties · median 8,232
- 43rd pct · 47th of 83 Michigan counties · median 12,414
- 41st pct · 1,871st of 3,221 US counties · median $1,039
- 41st pct · 49th of 83 Michigan counties · median $1,045
- 38th pct · 1,875th of 3,063 US counties · median 4.3
- 36th pct · 53rd 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 $197,035 (Aug 2026), +5.0% over one year, +22.2% over five
- 35th pct · 1,965th of 3,063 US counties · median $234,566
- 31st pct · 57th of 83 Michigan counties · median $226,891
| Item | Value | Distance |
|---|---|---|
| Huron County, MI | $197,035 · +5.0% 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 #
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 $1,079 a month on $197,035 at 7.28%, against an average weekly wage worth $4,346 a month: 24.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $197,035 × 80% = $157,628, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,079/mo principal and interest
- wage share = payment / (avg weekly wage $1,003 × 52 / 12 = $4,346) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $197,035 / ($1,003 × 52) = 3.8
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 #
11,513 jobs at 999 employers (2026 Q1); +5.1% jobs and +1.6% average weekly wage over the year
- 58th pct · 1,353rd of 3,221 US counties · median 8,232
- 43rd pct · 47th of 83 Michigan counties · median 12,414
| Item | Value | Distance |
|---|---|---|
| Huron County, MI | 11,513 jobs · $1,003/wk · +5.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 1,709 | $1,077 | 0.99 | +1.7% |
| Manufacturing | 1,680 | $1,197 | 1.81 | +7.8% |
| Retail trade | 1,211 | $678 | 1.08 | +0.4% |
| Accommodation and food services | 752 | $340 | 0.73 | +2.0% |
| Administrative and waste services | 565 | $535 | 0.86 | +61.0% |
| Construction | 504 | $935 | 0.84 | +5.2% |
| Finance and insurance | 473 | $1,505 | 1.01 | +7.7% |
| Transportation and warehousing | 427 | $1,356 | 0.88 | +3.1% |
| Other services | 314 | $676 | 0.91 | -6.0% |
| Information | 162 | $1,779 | 0.76 | -14.7% |
| Arts, entertainment and recreation | 63 | $356 | 0.33 | +23.5% |
| Unclassified | 42 | $838 | 1.71 | +13.5% |
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 #
15 gauges · 0 flooding · 1 with quality panels averaging 100 % · 2 stale
Sites found: 15, 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 |
|---|---|---|
| WILLOW CREEK AT MOELLER ROAD NR REDMAN, MI | flow 1.12 ft³/s | 6 km |
| PINNEBOG RIVER AT KINDE RD NEAR PINNEBOG, MI | flow 6.68 ft³/s | 22 km |
| PIGEON RIVER AT LIMERICK ROAD NEAR CASEVILLE, MI | flow 6.56 ft³/s | 31 km |
| PIGEON RIVER NEAR CASEVILLE, MI | flow 47.6 ft³/s · STALE | 31 km |
| CASS RIVER AT CASS CITY, MI | flow 15.4 ft³/s | 44 km |
| COLUMBIA DRAIN AT GETTEL ROAD NEAR SEBEWAING, MI | flow 4.40 ft³/s · STALE | 48 km |
| SEBEWAING RIVER AT CENTER ST AT SEBEWAING, MI | flow 17.2 ft³/s | 51 km |
| E BR AU GRES R AT E ANDREWS RD NR ALABASTER, MI | flow 38.7 ft³/s | 64 km |
| AU SABLE RIVER NR US23 AT OSCODA, MI | stage 13.7 ft | 68 km |
| AU GRES RIVER AT S MACKINAW RD NR AU GRES, MI | flow 40.3 ft³/s | 69 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 #
6 wells in 0 named aquifers:
Sites found: 6, 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-434323082561901 | depth 11.6 ft · 2003-12-31 | 22 km |
| USGS-435736083094801 | depth 7.39 ft · 2009-12-31 | 25 km |
| USGS-433439082523601 | depth 18.6 ft · 1992-03-24 | 37 km |
| USGS-434103083130301 | depth 36.2 ft · 2026-10-06 | 38 km |
| USGS-434947083233301 | depth 2.89 ft · 2009-12-31 | 44 km |
| USGS-442659083212901 | depth 21.6 ft · 1992-04-06 | 72 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 + 0.2×0.00 / 0.55
Banks & federal dollars #
$1.1 bn in deposits at 17 offices of 7 banks (SOD June 2026); HHI 1,818, highly concentrated. $285.9 m federal obligations in FY2026 (direct payments $264.2 m, grants $12.9 m), $24,831 per covered job
| Item | Value | Distance |
|---|---|---|
| Independent Bank | $266.4 m · 24.4% share · 3 offices | |
| Northstar Bank | $233.3 m · 21.4% share · 3 offices | |
| Thumb Bank and Trust | $195.3 m · 17.9% share · 3 offices | |
| Huron, MI | $285.9 m FY2026 · $24,831/job | |
| MULTIPLE RECIPIENTS | $245.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Independent Bank | $266,365,000 | 24.4% | 3 |
| Northstar Bank | $233,317,000 | 21.4% | 3 |
| Thumb Bank and Trust | $195,265,000 | 17.9% | 3 |
| The Huntington National Bank | $175,645,000 | 16.1% | 2 |
| Bay Port State Bank | $136,071,000 | 12.5% | 4 |
| The Port Austin State Bank | $54,572,000 | 5.0% | 1 |
| Eastern Michigan Bank | $30,646,000 | 2.8% | 1 |
Deposit concentration is 1,818 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 24.4² + 21.4² + 17.9² + … (4 more) = 1,818
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 | $227,415,785 |
| Department of Agriculture | $18,943,416 |
| Department of Veterans Affairs | $17,401,963 |
| Department of Transportation | $10,855,701 |
| Department of Defense | $8,500,000 |
| Department of Housing and Urban Development | $1,430,151 |
| Railroad Retirement Board | $727,962 |
| Federal Communications Commission | $321,796 |
| Department of Education | $274,020 |
| Department of Homeland Security | $14,178 |
| Department of Health and Human Services | $0 |
That is $24,831 per covered job, against 11,513 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $285.9 m / 11,513 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,831
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 | 3.00 | 2026-10-06 | -50.0% |
| 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 | 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 #
Huron County, MI: 6 findings, 6 noted
noteHuron County, MI's covered employment was 5.1% 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
- +5.1 % = 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
noteHuron County, MI's average weekly wage was 1.6% 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
- +1.6 % = 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
noteHuron County, MI's typical home value fell 0.4% from $197,860 in July 2026 to $197,035 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.4% = (197034.62625945895 - 197859.9196683139) / 197859.9196683139 × 100
- 197034.62625945895 = Zillow ZHVI, 2026-08
- 197859.9196683139 = Zillow ZHVI, 2026-07
noteHuron County, MI's covered employment of +5.1% ranks 187th of 3,221 US counties, against a median of -0.2%.
Period 2026 Q1.Show the arithmetic
- 94 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
noteThe next Zillow ZHVI typical home value (monthly) covering Huron County, MI is due between 2026-10-14 and 2026-10-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-14 to 2026-10-21, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
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.