Midland County, MI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.65, -84.38.
Assembled 2026-10-06. Read the brief.
- 53rd pct · 1,416th of 3,063 US counties · median $234,566
- 59th pct · 34th of 83 Michigan counties · median $226,891
- counties in the Midland metro: Rank context is unavailable: the manifest lists 1 counties in the Midland metro; fewer than 5 is too few to rank.
- 92nd pct · 231st of 3,063 US counties · median +2.9%
- 82nd pct · 15th of 83 Michigan counties · median +5.7%
- counties in the Midland metro: Rank context is unavailable: the manifest lists 1 counties in the Midland metro; fewer than 5 is too few to rank.
- 39th pct · 848th of 1,399 US counties · median $1,496
- 61st pct · 16th of 40 Michigan counties · median $1,338
- counties in the Midland metro: Rank context is unavailable: the manifest lists 1 counties in the Midland metro; fewer than 5 is too few to rank.
- 80th pct · 634th of 3,221 US counties · median 8,232
- 75th pct · 21st of 83 Michigan counties · median 12,414
- counties in the Midland metro: Rank context is unavailable: the manifest lists 1 counties in the Midland metro; fewer than 5 is too few to rank.
- 90th pct · 320th of 3,221 US counties · median $1,039
- 92nd pct · 7th of 83 Michigan counties · median $1,045
- counties in the Midland metro: Rank context is unavailable: the manifest lists 1 counties in the Midland metro; fewer than 5 is too few to rank.
- 27th pct · 2,211th of 3,063 US counties · median 4.3
- 15th pct · 70th of 83 Michigan counties · median 4.1
- counties in the Midland metro: Rank context is unavailable: the manifest lists 1 counties in the Midland 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 $245,068 (Aug 2026), +8.6% over one year, +31.1% over five
- 53rd pct · 1,416th of 3,063 US counties · median $234,566
- 59th pct · 34th of 83 Michigan counties · median $226,891
- counties in the Midland metro: Rank context is unavailable: the manifest lists 1 counties in the Midland metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Midland County, MI | $245,068 · +8.6% 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 $1,378/mo (Aug 2026), +6.2% over one year; price-to-rent 14.8
- 39th pct · 848th of 1,399 US counties · median $1,496
- 61st pct · 16th of 40 Michigan counties · median $1,338
- counties in the Midland metro: Rank context is unavailable: the manifest lists 1 counties in the Midland metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Midland County, MI | $1,378/mo · +6.2% 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 $1,341 a month on $245,068 at 7.28%, against an average weekly wage worth $6,132 a month: 21.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $245,068 × 80% = $196,054, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,341/mo principal and interest
- wage share = payment / (avg weekly wage $1,415 × 52 / 12 = $6,132) = 22% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $245,068 / ($1,415 × 52) = 3.3
- price-to-rent = $245,068 / ($1,378 × 12) = 14.8
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 #
37,125 jobs at 4,209 employers (2026 Q1); -2.4% jobs and +1.0% average weekly wage over the year
- 80th pct · 634th of 3,221 US counties · median 8,232
- 75th pct · 21st of 83 Michigan counties · median 12,414
- counties in the Midland metro: Rank context is unavailable: the manifest lists 1 counties in the Midland metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Midland County, MI | 37,125 jobs · $1,415/wk · -2.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 8,835 | $932 | 1.58 | -1.0% |
| Manufacturing | 3,924 | $2,098 | 1.31 | -9.7% |
| Retail trade | 3,184 | $705 | 0.88 | -1.5% |
| Accommodation and food services | 2,631 | $450 | 0.79 | -6.0% |
| Other services | 2,388 | $585 | 2.15 | +30.0% |
| Administrative and waste services | 2,159 | $2,560 | 1.02 | -27.9% |
| Construction | 2,090 | $1,310 | 1.07 | +0.0% |
| Finance and insurance | 727 | $2,131 | 0.48 | +17.8% |
| Educational services | 621 | $896 | 0.78 | -28.5% |
| Arts, entertainment and recreation | 556 | $596 | 0.91 | -10.8% |
| Transportation and warehousing | 549 | $1,153 | 0.35 | +46.4% |
| Wholesale trade | 380 | $1,502 | 0.27 | +1.9% |
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 #
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 #
27 gauges · 0 flooding · 3 with quality panels averaging 100 % · 2 stale
Sites found: 27, 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 |
|---|---|---|
| TITTABAWASSEE RIVER AT SANFORD, MI | flow 289.0 ft³/s | 3 km |
| CHIPPEWA RIVER AT S HOMER RD NR MIDLAND | flow 201.0 ft³/s | 7 km |
| PINE RIVER NEAR MIDLAND, MI | flow 100.0 ft³/s | 9 km |
| SALT RIVER NEAR NORTH BRADLEY, MI | flow 13.6 ft³/s | 10 km |
| TITTABAWASSEE RIVER AT MIDLAND, MI | flow 729.0 ft³/s | 13 km |
| CHIPPEWA RIVER NEAR MOUNT PLEASANT, MI | flow 143.0 ft³/s | 27 km |
| TOBACCO RIVER AT GLIDDEN ROAD AT BEAVERTON, MI | flow 195.0 ft³/s | 27 km |
| SOUTH BRANCH TOBACCO RIVER NEAR BEAVERTON, MI | flow 63.9 ft³/s | 28 km |
| SWAN CREEK AT FROST ROAD NEAR FROST, MI | flow 4.67 ft³/s | 30 km |
| PINE RIVER AT ALMA, MI | flow 206.0 ft³/s · STALE | 37 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 #
12 wells in 0 named aquifers:
Sites found: 12, 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-433604084412501 | depth 10.4 ft · 2006-09-29 | 26 km |
| USGS-433554084415401 | depth 18.0 ft · 2006-09-29 | 26 km |
| USGS-433552084415401 | depth 15.1 ft · 2006-09-29 | 26 km |
| USGS-433622084420801 | depth 20.1 ft · 2006-09-29 | 26 km |
| USGS-432206084194801 | depth 12.2 ft · 2001-09-29 | 31 km |
| USGS-432452084364401 | depth 21.5 ft · 1979-10-19 | 32 km |
| USGS-434900084462501 | depth 16.5 ft · 1998-09-30 | 37 km |
| USGS-432228084401901 | depth -4.00 ft · 1975-05-16 | 39 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 #
$1.2 bn in deposits at 14 offices of 7 banks (SOD June 2026); HHI 3,016, highly concentrated. $482.2 m federal obligations in FY2026 (direct payments $547.3 m, contracts $1.0 m), $12,988 per covered job
| Item | Value | Distance |
|---|---|---|
| The Huntington National Bank | $557.9 m · 48.4% share · 5 offices | |
| Horizon Bank | $190.0 m · 16.5% share · 2 offices | |
| Fifth Third Bank, National Association | $176.8 m · 15.3% share · 2 offices | |
| Midland, MI | $482.2 m FY2026 · $12,988/job | |
| MULTIPLE RECIPIENTS | $539.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Huntington National Bank | $557,916,000 | 48.4% | 5 |
| Horizon Bank | $190,011,000 | 16.5% | 2 |
| Fifth Third Bank, National Association | $176,750,000 | 15.3% | 2 |
| Isabella Bank | $133,289,000 | 11.6% | 2 |
| PNC Bank, National Association | $52,395,000 | 4.5% | 1 |
| 1st State Bank | $42,391,000 | 3.7% | 1 |
| Mercantile Bank | $169,000 | 0.0% | 1 |
Deposit concentration is 3,016 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 = 48.4² + 16.5² + 15.3² + … (4 more) = 3,016
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 | $488,311,714 |
| Department of Veterans Affairs | $49,877,459 |
| Department of Transportation | $28,540,629 |
| Department of Education | $4,172,651 |
| Department of Agriculture | $2,101,711 |
| Department of Housing and Urban Development | $1,706,662 |
| Department of Health and Human Services | $1,401,785 |
| Railroad Retirement Board | $739,568 |
| Federal Communications Commission | $313,000 |
| Department of the Interior | $17,984 |
| Department of Defense | $13,498 |
| Small Business Administration | $0 |
That is $12,988 per covered job, against 37,125 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $482.2 m / 37,125 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $12,988
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 #
Midland County, MI: 11 findings, 1 at a watch level and 10 noted
watchMidland County, MI's covered employment is -2.4% 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 = -2.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteMidland County, MI's covered employment was 2.4% lower 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
- -2.4 % = 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
noteMidland County, MI's average weekly wage was 1.0% 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 % = 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
noteMidland County, MI's typical asking rent rose 0.9% from $1,365 in July 2026 to $1,378 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- +0.9% = (1377.5092592592594 - 1365.3588988200986) / 1365.3588988200986 × 100
- 1377.5092592592594 = Zillow ZORI, 2026-08
- 1365.3588988200986 = Zillow ZORI, 2026-07
noteMidland County, MI's typical home value rose 0.4% from $244,137 in July 2026 to $245,068 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.4% = (245067.99861173987 - 244136.82297184155) / 244136.82297184155 × 100
- 245067.99861173987 = Zillow ZHVI, 2026-08
- 244136.82297184155 = Zillow ZHVI, 2026-07
Read all 11 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.