Jackson County, MI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.25, -84.42.
Assembled 2026-10-06. Read the brief.
- 46th pct · 1,639th of 3,063 US counties · median $234,566
- 48th pct · 43rd of 83 Michigan counties · median $226,891
- counties in the Jackson metro: Rank context is unavailable: the manifest lists 1 counties in the Jackson metro; fewer than 5 is too few to rank.
- 50th pct · 1,520th of 3,063 US counties · median +2.9%
- 13th pct · 72nd of 83 Michigan counties · median +5.7%
- counties in the Jackson metro: Rank context is unavailable: the manifest lists 1 counties in the Jackson metro; fewer than 5 is too few to rank.
- 19th pct · 1,122nd of 1,399 US counties · median $1,496
- 23rd pct · 31st of 40 Michigan counties · median $1,338
- counties in the Jackson metro: Rank context is unavailable: the manifest lists 1 counties in the Jackson metro; fewer than 5 is too few to rank.
- 85th pct · 480th of 3,221 US counties · median 8,232
- 82nd pct · 15th of 83 Michigan counties · median 12,414
- counties in the Jackson metro: Rank context is unavailable: the manifest lists 1 counties in the Jackson metro; fewer than 5 is too few to rank.
- 85th pct · 464th of 3,221 US counties · median $1,039
- 89th pct · 10th of 83 Michigan counties · median $1,045
- counties in the Jackson metro: Rank context is unavailable: the manifest lists 1 counties in the Jackson metro; fewer than 5 is too few to rank.
- 27th pct · 2,220th of 3,063 US counties · median 4.3
- 14th pct · 71st of 83 Michigan counties · median 4.1
- counties in the Jackson metro: Rank context is unavailable: the manifest lists 1 counties in the Jackson metro; fewer than 5 is too few to rank.
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 $226,001 (Aug 2026), +3.0% over one year, +20.9% over five
- 46th pct · 1,639th of 3,063 US counties · median $234,566
- 48th pct · 43rd of 83 Michigan counties · median $226,891
- counties in the Jackson metro: Rank context is unavailable: the manifest lists 1 counties in the Jackson metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Jackson County, MI | $226,001 · +3.0% 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 #
Typical rent $1,172/mo (Aug 2026), +7.8% over one year; price-to-rent 16.1
- 19th pct · 1,122nd of 1,399 US counties · median $1,496
- 23rd pct · 31st of 40 Michigan counties · median $1,338
- counties in the Jackson metro: Rank context is unavailable: the manifest lists 1 counties in the Jackson metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Jackson County, MI | $1,172/mo · +7.8% 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 $1,237 a month on $226,001 at 7.28%, against an average weekly wage worth $5,677 a month: 21.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $226,001 × 80% = $180,801, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,237/mo principal and interest
- wage share = payment / (avg weekly wage $1,310 × 52 / 12 = $5,677) = 22% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $226,001 / ($1,310 × 52) = 3.3
- price-to-rent = $226,001 / ($1,172 × 12) = 16.1
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 #
55,023 jobs at 3,128 employers (2026 Q1); +0.3% jobs and +3.2% average weekly wage over the year
- 85th pct · 480th of 3,221 US counties · median 8,232
- 82nd pct · 15th of 83 Michigan counties · median 12,414
- counties in the Jackson metro: Rank context is unavailable: the manifest lists 1 counties in the Jackson metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Jackson County, MI | 55,023 jobs · $1,310/wk · +0.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 8,820 | $1,507 | 1.99 | -2.7% |
| Health care and social assistance | 8,634 | $1,283 | 1.04 | +2.5% |
| Retail trade | 5,998 | $778 | 1.12 | -1.4% |
| Accommodation and food services | 4,476 | $426 | 0.91 | -2.8% |
| Administrative and waste services | 2,890 | $713 | 0.92 | +12.8% |
| Construction | 2,394 | $1,368 | 0.83 | +5.1% |
| Professional and technical services | 2,159 | $1,704 | 0.57 | -2.4% |
| Other services | 1,990 | $704 | 1.21 | -0.1% |
| Finance and insurance | 1,383 | $1,897 | 0.62 | -11.9% |
| Educational services | 1,058 | $737 | 0.89 | +0.1% |
| Wholesale trade | 1,053 | $1,951 | 0.50 | -12.4% |
| Management of companies | 623 | $1,679 | 0.68 | +10.9% |
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 #
$2.4 bn in deposits at 31 offices of 12 banks (SOD June 2026); HHI 1,817, highly concentrated. $1.1 bn federal obligations in FY2026 (direct payments $1.1 bn, grants $41.2 m), $20,279 per covered job
| Item | Value | Distance |
|---|---|---|
| Flagstar Bank, National Association | $657.0 m · 26.9% share · 7 offices | |
| Fifth Third Bank, National Association | $547.2 m · 22.4% share · 5 offices | |
| County National Bank | $410.6 m · 16.8% share · 5 offices | |
| Jackson, MI | $1.1 bn FY2026 · $20,279/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Flagstar Bank, National Association | $657,027,000 | 26.9% | 7 |
| Fifth Third Bank, National Association | $547,160,000 | 22.4% | 5 |
| County National Bank | $410,562,000 | 16.8% | 5 |
| The Huntington National Bank | $389,116,000 | 15.9% | 4 |
| Southern Michigan Bank & Trust | $103,001,000 | 4.2% | 2 |
| Old National Bank | $102,953,000 | 4.2% | 1 |
| Bank Michigan | $72,410,000 | 3.0% | 1 |
| Independent Bank | $58,335,000 | 2.4% | 1 |
| PNC Bank, National Association | $53,444,000 | 2.2% | 1 |
| ChoiceOne Bank | $39,848,000 | 1.6% | 2 |
Deposit concentration is 1,817 across 12 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 12 banks with deposits in the county = 26.9² + 22.4² + 16.8² + … (9 more) = 1,817
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 $20,279 per covered job, against 55,023 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.1 bn / 55,023 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,279
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 #
Jackson County, MI: 7 findings, 2 at a watch level and 5 noted
watchJackson County, MI's typical home value of +3.0% scores 50 on the 0-to-100 scale across US counties but 13 across Michigan counties, a gap of 37 points.
Period 2026-08.Show the arithmetic
- 37 = |50 across US counties - 13 across Michigan counties|
position among the entities that published this metric this period; not an official level
watchJackson County, MI's momentum index of 0.37 scores 69 on the 0-to-100 scale across US counties but 35 across Michigan counties, a gap of 33 points.
Period 2026-08.Show the arithmetic
- 33 = |69 across US counties - 35 across Michigan counties|
- 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
noteJackson County, MI's average weekly wage was 3.2% 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
- +3.2 % = 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
noteJackson County, MI's typical asking rent rose 2.0% from $1,149 in July 2026 to $1,172 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +2.0% = (1172.4011204481792 - 1149.3593659885719) / 1149.3593659885719 × 100
- 1172.4011204481792 = Zillow ZORI, 2026-08
- 1149.3593659885719 = Zillow ZORI, 2026-07
noteJackson 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
Read all 7 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.