Roscommon County, MI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 44.34, -84.61.
Assembled 2026-10-06. Read the brief.
- 34th pct · 2,012th of 3,063 US counties · median $234,566
- 26th pct · 61st of 83 Michigan counties · median $226,891
- 29th pct · 2,164th of 3,063 US counties · median +2.9%
- 1st pct · 82nd of 83 Michigan counties · median +5.7%
- US counties: not published this period
- Michigan counties: not published this period
- 39th pct · 1,956th of 3,221 US counties · median 8,232
- 25th pct · 62nd of 83 Michigan counties · median 12,414
- 5th pct · 3,034th of 3,221 US counties · median $1,039
- 3rd pct · 80th of 83 Michigan counties · median $1,045
- 58th pct · 1,265th of 3,063 US counties · median 4.3
- 68th pct · 27th 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 $193,671 (Aug 2026), +1.0% over one year, +34.6% over five
- 34th pct · 2,012th of 3,063 US counties · median $234,566
- 26th pct · 61st of 83 Michigan counties · median $226,891
| Item | Value | Distance |
|---|---|---|
| Roscommon County, MI | $193,671 · +1.0% 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 #
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 $1,060 a month on $193,671 at 7.28%, against an average weekly wage worth $3,436 a month: 30.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $193,671 × 80% = $154,937, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,060/mo principal and interest
- wage share = payment / (avg weekly wage $793 × 52 / 12 = $3,436) = 31% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $193,671 / ($793 × 52) = 4.7
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 #
5,408 jobs at 604 employers (2026 Q1); -9.4% jobs and -0.8% average weekly wage over the year
- 39th pct · 1,956th of 3,221 US counties · median 8,232
- 25th pct · 62nd of 83 Michigan counties · median 12,414
| Item | Value | Distance |
|---|---|---|
| Roscommon County, MI | 5,408 jobs · $793/wk · -9.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 1,150 | $693 | 2.18 | +4.0% |
| Accommodation and food services | 1,126 | $406 | 2.32 | -37.0% |
| Construction | 301 | $1,155 | 1.06 | +25.9% |
| Manufacturing | 284 | $1,104 | 0.65 | -15.2% |
| Other services | 199 | $888 | 1.23 | -6.6% |
| Finance and insurance | 98 | $1,409 | 0.44 | -1.0% |
| Real estate and rental | 87 | $562 | 1.05 | +77.6% |
| Professional and technical services | 71 | $754 | 0.19 | +12.7% |
| Transportation and warehousing | 63 | $1,272 | 0.28 | -1.6% |
| Wholesale trade | 40 | $947 | 0.19 | -7.0% |
| Arts, entertainment and recreation | 40 | $690 | 0.45 | +2.6% |
| Information | 19 | $1,038 | 0.19 | -5.0% |
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 · 10 with quality panels averaging 100 % · 2 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 |
|---|---|---|
| USGS-442805084411001 | stage 5.29 ft | 11 km |
| USGS-442409084274001 | stage 6.25 ft | 14 km |
| USGS-442400084472801 | stage 8.12 ft | 16 km |
| SB AU SABLE RIVER AT CHASE BRIDGE NR ROSCOMMON, MI | temp 7.40 °C · quality 100 % (1) · STALE | 23 km |
| BUTTERFIELD CR AT S MCVETY RD NR BUTTERFIELD, MI | flow 18.1 ft³/s | 27 km |
| SOUTH BRANCH AU SABLE RIVER NEAR LUZERNE, MI | flow 161.0 ft³/s · quality 100 % (1) | 33 km |
| AU SABLE RIVER AT GRAYLING, MI | flow 79.0 ft³/s · STALE | 37 km |
| CLAM RIVER AT VOGEL CENTER, MI | flow 64.0 ft³/s | 38 km |
| TITTABAWASSEE RIVER AT SECORD DAM NR GLADWIN, MI | stage 6.08 ft | 40 km |
| MANISTEE RIVER NEAR GRAYLING, MI | flow 205.0 ft³/s · quality 100 % (1) | 44 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 #
9 wells in 0 named aquifers:
Sites found: 9, 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-442722084350701 | depth 4.83 ft · 1996-09-30 | 14 km |
| USGS-443308084245001 | depth 28.0 ft · 1992-03-29 | 28 km |
| USGS-443925084445301 | depth 7.78 ft · 1973-12-31 | 37 km |
| USGS-434900084462501 | depth 16.5 ft · 1998-09-30 | 60 km |
| USGS-441503084242201 | depth 23.0 ft · 1967-07-12 | 64 km |
| USGS-443921085213501 | depth 24.2 ft · 2026-10-05 | 69 km |
| USGS-435657085171201 | depth 65.9 ft · 2026-10-05 | 69 km |
| USGS-435615085173501 | depth 56.6 ft · 2026-10-05 | 70 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 #
$452.2 m in deposits at 5 offices of 4 banks (SOD June 2026); HHI 3,407, highly concentrated. $269.0 m federal obligations in FY2026 (direct payments $265.1 m, grants $3.8 m), $49,744 per covered job
| Item | Value | Distance |
|---|---|---|
| JPMorgan Chase Bank, National Association | $189.3 m · 41.9% share · 1 office | |
| The Huntington National Bank | $170.3 m · 37.7% share · 2 offices | |
| Horizon Bank | $62.4 m · 13.8% share · 1 office | |
| Roscommon, MI | $269.0 m FY2026 · $49,744/job | |
| MULTIPLE RECIPIENTS | $264.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | $189,293,000 | 41.9% | 1 |
| The Huntington National Bank | $170,336,000 | 37.7% | 2 |
| Horizon Bank | $62,373,000 | 13.8% | 1 |
| Mercantile Bank | $30,158,000 | 6.7% | 1 |
Deposit concentration is 3,407 across 4 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 4 banks with deposits in the county = 41.9² + 37.7² + 13.8² + … (1 more) = 3,407
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 | $237,706,771 |
| Department of Veterans Affairs | $25,490,730 |
| Department of Health and Human Services | $3,192,538 |
| Railroad Retirement Board | $961,082 |
| Department of Transportation | $772,663 |
| Department of Agriculture | $719,536 |
| Federal Communications Commission | $141,048 |
| Department of Education | $28,592 |
| Department of Housing and Urban Development | $2,687 |
| Small Business Administration | $0 |
That is $49,744 per covered job, against 5,408 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $269.0 m / 5,408 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $49,744
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 | 12.28 | 2026-10-04 | -0.1% |
| 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 #
Roscommon County, MI: 15 findings, 1 at an alert level, 3 at a watch level and 11 noted
alertRoscommon County, MI's covered employment is -9.4% 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 = -9.4 <= -3
BLS QCEW over-the-year percent change, as published; convention chosen for this dashboard, not an official level
watchRoscommon County, MI's covered employment is -9.4% 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 = -9.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchRoscommon County, MI's average weekly wage is -0.8% 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 = -0.8 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchRoscommon County, MI's momentum index is -0.36, a watch level here: momentum index in the cooling band (the cooling band of the momentum index computed here, score at or below -0.25; 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 2026-08.Show the arithmetic
- test: momentum = -0.3561369067679629 <= -0.25
- 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%)
the cooling band of the momentum index computed here, score at or below -0.25; convention chosen for this dashboard, not an official level
noteRoscommon County, MI's covered employment was 9.4% 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
- -9.4 % = 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
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.