Iosco County, MI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 44.39, -83.38.
Assembled 2026-10-06. Read the brief.
- 23rd pct · 2,333rd of 3,063 US counties · median $234,566
- 9th pct · 75th of 83 Michigan counties · median $226,891
- 71st pct · 877th of 3,063 US counties · median +2.9%
- 42nd pct · 48th of 83 Michigan counties · median +5.7%
- US counties: not published this period
- Michigan counties: not published this period
- 48th pct · 1,663rd of 3,221 US counties · median 8,232
- 36th pct · 53rd of 83 Michigan counties · median 12,414
- 84th pct · 513th of 3,221 US counties · median $1,039
- 86th pct · 12th of 83 Michigan counties · median $1,045
- 11th pct · 2,724th of 3,063 US counties · median 4.3
- 2nd pct · 81st 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 $170,601 (Aug 2026), +4.9% over one year, +22.6% over five
- 23rd pct · 2,333rd of 3,063 US counties · median $234,566
- 9th pct · 75th of 83 Michigan counties · median $226,891
| Item | Value | Distance |
|---|---|---|
| Iosco County, MI | $170,601 · +4.9% 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 $934 a month on $170,601 at 7.28%, against an average weekly wage worth $5,586 a month: 16.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $170,601 × 80% = $136,481, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $934/mo principal and interest
- wage share = payment / (avg weekly wage $1,289 × 52 / 12 = $5,586) = 17% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $170,601 / ($1,289 × 52) = 2.5
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 #
7,693 jobs at 640 employers (2026 Q1); +4.6% jobs and +8.7% average weekly wage over the year
- 48th pct · 1,663rd of 3,221 US counties · median 8,232
- 36th pct · 53rd of 83 Michigan counties · median 12,414
| Item | Value | Distance |
|---|---|---|
| Iosco County, MI | 7,693 jobs · $1,289/wk · +4.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Transportation and warehousing | 1,458 | $2,164 | 4.50 | -0.3% |
| Retail trade | 1,058 | $645 | 1.41 | -0.5% |
| Manufacturing | 832 | $2,306 | 1.34 | -3.4% |
| Accommodation and food services | 580 | $329 | 0.84 | +5.1% |
| Wholesale trade | 397 | $1,128 | 1.35 | +0.0% |
| Construction | 258 | $946 | 0.64 | +5.3% |
| Other services | 230 | $562 | 1.00 | +11.7% |
| Finance and insurance | 198 | $1,622 | 0.63 | +5.9% |
| Administrative and waste services | 167 | $848 | 0.38 | +9.9% |
| Professional and technical services | 127 | $1,439 | 0.24 | -0.8% |
| Arts, entertainment and recreation | 50 | $435 | 0.39 | +42.9% |
| Information | 43 | $1,437 | 0.30 | -20.4% |
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 #
$377.2 m in deposits at 7 offices of 3 banks (SOD June 2026); HHI 3,648, highly concentrated. $255.1 m federal obligations in FY2026 (direct payments $245.0 m, contracts $6.4 m), $33,157 per covered job
| Item | Value | Distance |
|---|---|---|
| Huron Community Bank | $156.8 m · 41.6% share · 3 offices | |
| The Huntington National Bank | $149.2 m · 39.6% share · 3 offices | |
| PNC Bank, National Association | $71.2 m · 18.9% share · 1 office | |
| Iosco, MI | $255.1 m FY2026 · $33,157/job | |
| MULTIPLE RECIPIENTS | $241.8 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Huron Community Bank | $156,778,000 | 41.6% | 3 |
| The Huntington National Bank | $149,206,000 | 39.6% | 3 |
| PNC Bank, National Association | $71,246,000 | 18.9% | 1 |
Deposit concentration is 3,648 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 = 41.6² + 39.6² + 18.9² = 3,648
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 | $214,702,199 |
| Department of Veterans Affairs | $26,121,644 |
| Department of Defense | $4,946,985 |
| Department of Transportation | $3,600,894 |
| Department of Agriculture | $2,146,056 |
| Department of the Interior | $1,322,337 |
| Railroad Retirement Board | $963,097 |
| Department of Housing and Urban Development | $677,587 |
| Department of Homeland Security | $445,689 |
| Federal Communications Commission | $131,612 |
| Department of Health and Human Services | $10,000 |
| Department of Justice | $6,685 |
That is $33,157 per covered job, against 7,693 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $255.1 m / 7,693 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $33,157
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 | -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 #
Iosco County, MI: 8 findings, 8 noted
noteIosco County, MI's average weekly wage 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
noteIosco County, MI's covered employment was 4.6% 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
- +4.6 % = 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
noteIosco County, MI's momentum index of 0.82 ranks 71st of 3,221 US counties, against a median of 0.23.
Period 2026-08.Show the arithmetic
- 98 on the 0-to-100 scale across 3221 US counties that published momentum
- 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%)
position among the entities that published this metric this period; not an official level
noteIosco County, MI's momentum index of 0.82 ranks 3rd of 83 Michigan counties, against a median of 0.47.
Period 2026-08.Show the arithmetic
- 98 on the 0-to-100 scale across 83 Michigan counties that published momentum
- 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%)
position among the entities that published this metric this period; not an official level
noteIosco County, MI's years of wages of 2.5 ranks 81st of 83 Michigan counties, against a median of 4.1.
Period 2026-08.Show the arithmetic
- 2 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 8 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.