Missaukee County, MI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 44.33, -85.09.
Assembled 2026-10-07. Read the brief.
- 44th pct · 1,687th of 3,063 US counties · median $234,566
- 46th pct · 45th of 83 Michigan counties · median $226,891
- 90th pct · 301st of 3,063 US counties · median +2.9%
- 76th pct · 20th of 83 Michigan counties · median +5.7%
- US counties: not published this period
- Michigan counties: not published this period
- 30th pct · 2,244th of 3,221 US counties · median 8,232
- 18th pct · 68th of 83 Michigan counties · median 12,414
- 11th pct · 2,844th of 3,221 US counties · median $1,039
- 7th pct · 77th of 83 Michigan counties · median $1,045
- 64th pct · 1,080th of 3,063 US counties · median 4.3
- 73rd pct · 23rd 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 $221,500 (Aug 2026), +7.8% over one year, +13.2% over five
- 44th pct · 1,687th of 3,063 US counties · median $234,566
- 46th pct · 45th of 83 Michigan counties · median $226,891
| Item | Value | Distance |
|---|---|---|
| Missaukee County, MI | $221,500 · +7.8% 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 $1,212 a month on $221,500 at 7.28%, against an average weekly wage worth $3,683 a month: 32.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $221,500 × 80% = $177,200, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,212/mo principal and interest
- wage share = payment / (avg weekly wage $850 × 52 / 12 = $3,683) = 33% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $221,500 / ($850 × 52) = 5.0
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 #
3,816 jobs at 379 employers (2026 Q1); -3.3% jobs and -0.7% average weekly wage over the year
- 30th pct · 2,244th of 3,221 US counties · median 8,232
- 18th pct · 68th of 83 Michigan counties · median 12,414
| Item | Value | Distance |
|---|---|---|
| Missaukee County, MI | 3,816 jobs · $850/wk · -3.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Agriculture, forestry, fishing | 822 | $843 | 29.82 | +8.9% |
| Retail trade | 556 | $678 | 1.50 | -3.6% |
| Manufacturing | 445 | $966 | 1.45 | -27.8% |
| Transportation and warehousing | 199 | $953 | 1.24 | -6.6% |
| Construction | 181 | $905 | 0.90 | +5.8% |
| Other services | 135 | $834 | 1.18 | +25.0% |
| Professional and technical services | 58 | $875 | 0.22 | -4.9% |
| Administrative and waste services | 49 | $390 | 0.23 | -31.0% |
| Mining, oil and gas | 34 | $1,311 | 2.50 | +13.3% |
| Finance and insurance | 34 | $1,077 | 0.22 | +9.7% |
| Utilities | withheld | |||
| Wholesale trade | 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 #
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 #
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 #
26 gauges · 0 flooding · 9 with quality panels averaging 100 % · 3 stale
Sites found: 26, 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 |
|---|---|---|
| BUTTERFIELD CR AT S MCVETY RD NR BUTTERFIELD, MI | flow 17.8 ft³/s | 13 km |
| CLAM RIVER AT VOGEL CENTER, MI | flow 62.0 ft³/s | 14 km |
| USGS-442400084472801 | stage 8.15 ft | 25 km |
| USGS-442805084411001 | stage 5.28 ft | 34 km |
| EAST BRANCH PINE RIVER NEAR TUSTIN, MI | flow 11.9 ft³/s | 42 km |
| MANISTEE RIVER NEAR GRAYLING, MI | flow 207.0 ft³/s · quality 100 % (1) | 45 km |
| BOARDMAN R ABOVE BROWN BRIDGE ROAD NR MAYFIELD, MI | flow 97.2 ft³/s | 46 km |
| CHIPPEWA CREEK AT 90TH AVENUE NEAR EVART, MI | flow 4.17 ft³/s | 47 km |
| TWIN CREEK AT EIGHT MILE ROAD NEAR EVART, MI | flow 3.51 ft³/s | 47 km |
| AU SABLE RIVER AT GRAYLING, MI | flow 79.0 ft³/s · STALE | 48 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 #
8 wells in 0 named aquifers:
Sites found: 8, 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-441503084242201 | depth 23.0 ft · 1967-07-12 | 27 km |
| USGS-442722084350701 | depth 4.83 ft · 1996-09-30 | 43 km |
| USGS-443921085213501 | depth 24.2 ft · 2026-10-06 | 43 km |
| USGS-435657085171201 | depth 65.8 ft · 2026-10-06 | 45 km |
| USGS-443925084445301 | depth 7.78 ft · 1973-12-31 | 46 km |
| USGS-435615085173501 | depth 55.8 ft · 2026-10-06 | 46 km |
| USGS-443308084245001 | depth 28.0 ft · 1992-03-29 | 59 km |
| USGS-434900084462501 | depth 16.5 ft · 1998-09-30 | 62 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 #
$152.3 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 4,444, highly concentrated. $108.0 m federal obligations in FY2026 (direct payments $103.3 m, grants $4.0 m), $28,292 per covered job
| Item | Value | Distance |
|---|---|---|
| The Huntington National Bank | $72.8 m · 47.8% share · 1 office | |
| Horizon Bank | $70.2 m · 46.1% share · 1 office | |
| Lake-Osceola State Bank | $9.4 m · 6.1% share · 1 office | |
| Missaukee, MI | $108.0 m FY2026 · $28,292/job | |
| MULTIPLE RECIPIENTS | $102.6 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Huntington National Bank | $72,813,000 | 47.8% | 1 |
| Horizon Bank | $70,155,000 | 46.1% | 1 |
| Lake-Osceola State Bank | $9,359,000 | 6.1% | 1 |
Deposit concentration is 4,444 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 = 47.8² + 46.1² + 6.1² = 4,444
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 | $93,337,803 |
| Department of Veterans Affairs | $9,142,731 |
| Department of Transportation | $4,020,239 |
| Department of Agriculture | $715,909 |
| Department of the Interior | $549,956 |
| Railroad Retirement Board | $116,259 |
| Federal Communications Commission | $51,341 |
| Department of Homeland Security | $26,390 |
| Small Business Administration | $0 |
| Environmental Protection Agency | $0 |
That is $28,292 per covered job, against 3,816 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $108.0 m / 3,816 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $28,292
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 #
Missaukee County, MI: 12 findings, 1 at an alert level, 2 at a watch level and 9 noted
alertMissaukee County, MI's covered employment is -3.3% against a year earlier, an alert level here: covered employment at least 3 percent below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, 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 = -3.3 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchMissaukee County, MI's covered employment is -3.3% 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 = -3.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchMissaukee County, MI's average weekly wage is -0.7% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, 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.avgWeeklyWage = -0.7 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteMissaukee County, MI's covered employment was 3.3% 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
- -3.3 % = 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
noteMissaukee County, MI's average weekly wage was 0.7% 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
- -0.7 % = 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
Read all 12 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.