Mackinac County, MI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 46.17, -85.30.
Assembled 2026-10-06. Read the brief.
- 51st pct · 1,471st of 3,063 US counties · median $234,566
- 58th pct · 35th of 83 Michigan counties · median $226,891
- 88th pct · 363rd of 3,063 US counties · median +2.9%
- 68th pct · 27th of 83 Michigan counties · median +5.7%
- US counties: not published this period
- Michigan counties: not published this period
- 28th pct · 2,313th of 3,221 US counties · median 8,232
- 14th pct · 71st of 83 Michigan counties · median 12,414
- 51st pct · 1,556th of 3,221 US counties · median $1,039
- 50th pct · 42nd of 83 Michigan counties · median $1,045
- 53rd pct · 1,433rd of 3,063 US counties · median 4.3
- 60th pct · 33rd 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 $240,038 (Aug 2026), +7.4% over one year, +38.3% over five
- 51st pct · 1,471st of 3,063 US counties · median $234,566
- 58th pct · 35th of 83 Michigan counties · median $226,891
| Item | Value | Distance |
|---|---|---|
| Mackinac County, MI | $240,038 · +7.4% 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 $1,314 a month on $240,038 at 7.28%, against an average weekly wage worth $4,528 a month: 29.0% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $240,038 × 80% = $192,030, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,314/mo principal and interest
- wage share = payment / (avg weekly wage $1,045 × 52 / 12 = $4,528) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $240,038 / ($1,045 × 52) = 4.4
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 #
3,495 jobs at 511 employers (2026 Q1); +0.9% jobs and +2.2% average weekly wage over the year
- 28th pct · 2,313th of 3,221 US counties · median 8,232
- 14th pct · 71st of 83 Michigan counties · median 12,414
| Item | Value | Distance |
|---|---|---|
| Mackinac County, MI | 3,495 jobs · $1,045/wk · +0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Accommodation and food services | 613 | $1,015 | 1.95 | +9.9% |
| Health care and social assistance | 443 | $1,469 | 0.84 | +8.3% |
| Retail trade | 397 | $736 | 1.17 | +8.2% |
| Construction | 203 | $878 | 1.11 | -6.9% |
| Transportation and warehousing | 126 | $1,206 | 0.86 | +3.3% |
| Other services | 112 | $650 | 1.07 | -8.9% |
| Finance and insurance | 88 | $1,227 | 0.62 | +2.3% |
| Administrative and waste services | 31 | $1,039 | 0.16 | +0.0% |
| Arts, entertainment and recreation | 29 | $927 | 0.50 | -14.7% |
| Educational services | 28 | $976 | 0.37 | -9.7% |
| Real estate and rental | 20 | $1,837 | 0.37 | +17.6% |
| Agriculture, forestry, fishing | 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 #
D1 moderate drought
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 #
7 gauges · 0 flooding · 0 with quality panels · 3 stale
Sites found: 7, 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 5.80 ft³/s | 7 km |
| TAHQUAMENON RIVER NEAR PARADISE, MI | flow 314.0 ft³/s | 45 km |
| PINE RIVER NEAR RUDYARD, MI | flow 72.7 ft³/s | 53 km |
| PINE RIVER AT MACKINAC TRAIL NEAR RUDYARD, MI | flow 86.6 ft³/s · STALE | 54 km |
| DRIGGS RVR NR C3 POOL NR DIVER. DITCH NR SENEY, MI | flow 99.0 ft³/s · STALE | 64 km |
| MANISTIQUE RIVER NEAR MANISTIQUE, MI | flow 484.0 ft³/s | 68 km |
| WALSH CREEK NEAR SENEY, MI | flow 10.0 ft³/s · STALE | 70 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 #
5 wells in 3 named aquifers: Sand and gravel aquifers (glaciated regions), Silurian-Devonian aquifers, Cambrian-Ordovician aquifer system
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 |
|---|---|---|
| 41N 05W 23BC 01 MACKINAC CO (ROUND LAKE CCC) | depth 13.9 ft · 1959-08-28 | 41 km |
| Sand and gravel aquifers (glaciated regions) | depth 22.2 ft · 2026-10-05 | 49 km |
| Cambrian-Ordovician aquifer system | depth 5.49 ft · 1992-07-08 | 51 km |
| Silurian-Devonian aquifers | depth 26.9 ft · 1992-07-07 | 56 km |
| Sand and gravel aquifers (glaciated regions) | depth 5.81 ft · 2026-10-05 | 66 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 #
moderate (0.25)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.25 / 0.35
Banks & federal dollars #
$329.1 m in deposits at 10 offices of 3 banks (SOD June 2026); HHI 6,822, highly concentrated. $105.4 m federal obligations in FY2026 (direct payments $97.6 m, grants $5.3 m), $30,150 per covered job
| Item | Value | Distance |
|---|---|---|
| The First National Bank of St. Ignace | $268.4 m · 81.6% share · 6 offices | |
| Central Savings Bank | $33.2 m · 10.1% share · 3 offices | |
| The State Savings Bank of Manistique | $27.5 m · 8.3% share · 1 office | |
| Mackinac, MI | $105.4 m FY2026 · $30,150/job | |
| MULTIPLE RECIPIENTS | $93.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The First National Bank of St. Ignace | $268,357,000 | 81.6% | 6 |
| Central Savings Bank | $33,242,000 | 10.1% | 3 |
| The State Savings Bank of Manistique | $27,470,000 | 8.3% | 1 |
Deposit concentration is 6,822 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 = 81.6² + 10.1² + 8.3² = 6,822
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 | $84,236,691 |
| Department of Veterans Affairs | $8,841,294 |
| Department of Transportation | $4,701,169 |
| Department of the Interior | $2,142,996 |
| Department of Agriculture | $1,965,382 |
| Department of Homeland Security | $1,176,457 |
| Federal Communications Commission | $1,158,541 |
| Department of Education | $498,810 |
| Railroad Retirement Board | $335,627 |
| Department of Housing and Urban Development | $212,901 |
| Department of Health and Human Services | $105,328 |
That is $30,150 per covered job, against 3,495 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $105.4 m / 3,495 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $30,150
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 #
Mackinac County, MI: 4 findings, 4 noted
noteMackinac County, MI's average weekly wage was 2.2% 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
- +2.2 % = 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
noteMackinac County, MI's typical home value rose 0.9% from $237,867 in July 2026 to $240,038 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.9% = (240037.78453005067 - 237866.5691052718) / 237866.5691052718 × 100
- 240037.78453005067 = Zillow ZHVI, 2026-08
- 237866.5691052718 = Zillow ZHVI, 2026-07
noteMackinac County, MI's covered employment was 0.9% 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
- +0.9 % = 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
noteThe next Zillow ZHVI typical home value (monthly) covering Mackinac 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
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.