St. Clair County, MI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.93, -82.67.
Assembled 2026-10-19. Read the brief.
- 59th pct · 1,234th of 3,063 US counties · median $230,451
- 69th pct · 26th of 83 Michigan counties · median $225,043
- 20th pct · 5th of 6 counties in the Detroit-Warren-Dearborn metro · median $282,176
- 66th pct · 1,033rd of 3,062 US counties · median +2.9%
- 26th pct · 61st of 83 Michigan counties · median +5.3%
- 80th pct · 2nd of 6 counties in the Detroit-Warren-Dearborn metro · median +2.5%
- 12th pct · 1,185th of 1,358 US counties · median $1,506
- 12th pct · 35th of 40 Michigan counties · median $1,387
- 0th pct · 6th of 6 counties in the Detroit-Warren-Dearborn metro · median $1,422
- 81st pct · 589th of 3,221 US counties · median 8,232
- 78th pct · 19th of 83 Michigan counties · median 12,414
- 20th pct · 5th of 6 counties in the Detroit-Warren-Dearborn metro · median 196,279
- 70th pct · 957th of 3,221 US counties · median $1,039
- 71st pct · 24th of 83 Michigan counties · median $1,045
- 40th pct · 4th of 6 counties in the Detroit-Warren-Dearborn metro · median $1,332
- 52nd pct · 1,451st of 3,063 US counties · median 4.2
- 58th pct · 35th of 83 Michigan counties · median 4.0
- 60th pct · 3rd of 6 counties in the Detroit-Warren-Dearborn metro · median 4.3
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 $259,356 (Sep 2026), +4.2% over one year, +23.1% over five
- 59th pct · 1,234th of 3,063 US counties · median $230,451
- 69th pct · 26th of 83 Michigan counties · median $225,043
- 20th pct · 5th of 6 counties in the Detroit-Warren-Dearborn metro · median $282,176
| Item | Value | Distance |
|---|---|---|
| St. Clair County, MI | $259,356 · +4.2% 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 $1,082/mo (Sep 2026), +4.9% over one year; price-to-rent 20.0
- 12th pct · 1,185th of 1,358 US counties · median $1,506
- 12th pct · 35th of 40 Michigan counties · median $1,387
- 0th pct · 6th of 6 counties in the Detroit-Warren-Dearborn metro · median $1,422
| Item | Value | Distance |
|---|---|---|
| St. Clair County, MI | $1,082/mo · +4.9% 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 $1,437 a month on $259,356 at 7.40%, against an average weekly wage worth $4,983 a month: 28.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $259,356 × 80% = $207,485, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,437/mo principal and interest
- wage share = payment / (avg weekly wage $1,150 × 52 / 12 = $4,983) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $259,356 / ($1,150 × 52) = 4.3
- price-to-rent = $259,356 / ($1,082 × 12) = 20.0
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 #
41,341 jobs at 3,409 employers (2026 Q1); +0.9% jobs and +3.8% average weekly wage over the year
- 81st pct · 589th of 3,221 US counties · median 8,232
- 78th pct · 19th of 83 Michigan counties · median 12,414
- 20th pct · 5th of 6 counties in the Detroit-Warren-Dearborn metro · median 196,279
| Item | Value | Distance |
|---|---|---|
| St. Clair County, MI | 41,341 jobs · $1,150/wk · +0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 7,260 | $1,062 | 1.17 | +0.2% |
| Manufacturing | 6,071 | $1,322 | 1.83 | -0.3% |
| Retail trade | 5,058 | $766 | 1.26 | -3.7% |
| Accommodation and food services | 4,778 | $380 | 1.29 | +2.8% |
| Construction | 2,903 | $1,332 | 1.34 | +12.2% |
| Other services | 1,381 | $727 | 1.12 | +6.5% |
| Professional and technical services | 1,324 | $1,283 | 0.46 | -7.1% |
| Transportation and warehousing | 1,039 | $1,611 | 0.60 | +13.9% |
| Finance and insurance | 869 | $1,721 | 0.52 | +0.8% |
| Arts, entertainment and recreation | 339 | $545 | 0.50 | -6.1% |
| Educational services | 323 | $641 | 0.36 | -5.6% |
| Real estate and rental | 291 | $845 | 0.46 | +2.5% |
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 #
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 #
$2.8 bn in deposits at 31 offices of 7 banks (SOD June 2026); HHI 1,973, highly concentrated. $1.2 bn federal obligations in FY2026 (direct payments $1.1 bn, grants $26.4 m), $28,703 per covered job
| Item | Value | Distance |
|---|---|---|
| The Huntington National Bank | $799.2 m · 28.5% share · 7 offices | |
| JPMorgan Chase Bank, National Association | $664.3 m · 23.7% share · 4 offices | |
| Fifth Third Bank, National Association | $512.5 m · 18.3% share · 6 offices | |
| St. Clair, MI | $1.2 bn FY2026 · $28,703/job | |
| MULTIPLE RECIPIENTS | $1.1 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Huntington National Bank | $799,196,000 | 28.5% | 7 |
| JPMorgan Chase Bank, National Association | $664,282,000 | 23.7% | 4 |
| Fifth Third Bank, National Association | $512,503,000 | 18.3% | 6 |
| Northstar Bank | $338,474,000 | 12.1% | 3 |
| Eastern Michigan Bank | $211,247,000 | 7.5% | 6 |
| ChoiceOne Bank | $198,126,000 | 7.1% | 3 |
| Tri-County Bank | $76,107,000 | 2.7% | 2 |
Deposit concentration is 1,973 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 = 28.5² + 23.7² + 18.3² + … (4 more) = 1,973
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 | $1,012,763,959 |
| Department of Veterans Affairs | $107,705,640 |
| Department of Transportation | $17,305,190 |
| Department of Housing and Urban Development | $14,369,895 |
| Railroad Retirement Board | $9,927,535 |
| Department of Defense | $8,372,865 |
| Department of Education | $5,493,773 |
| Department of Agriculture | $5,046,469 |
| Department of Health and Human Services | $2,379,124 |
| Environmental Protection Agency | $1,000,000 |
| Federal Communications Commission | $978,972 |
| Department of Homeland Security | $826,393 |
That is $28,703 per covered job, against 41,341 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.2 bn / 41,341 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $28,703
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 | 17.95 | 2026-10-18 | -2.6% |
| 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 · % | 72.20 | 2026-10-19 | +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 | 7.00 | 2026-10-13 | +133.3% |
| 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 | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| 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 | 652,115.00 | 2026-09-01 | +0.7% |
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 #
St. Clair County, MI: 13 findings, 2 at a watch level and 11 noted
watchSt. Clair County, MI's typical home value of +4.2% scores 66 on the 0-to-100 scale across US counties but 27 across Michigan counties, a gap of 39 points.
Period 2026-09.Show the arithmetic
- 39 = |66 across US counties - 27 across Michigan counties|
position among the entities that published this metric this period; not an official level
watchSt. Clair County, MI's momentum index of 0.45 scores 77 on the 0-to-100 scale across US counties but 45 across Michigan counties, a gap of 32 points.
Period 2026-09.Show the arithmetic
- 32 = |77 across US counties - 45 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
noteSt. Clair County, MI's average weekly wage was 3.8% 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
- +3.8 % = 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
noteSt. Clair 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
noteSt. Clair County, MI's typical home value rose 0.3% from $258,582 in August 2026 to $259,356 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.3% = (259356.36649249276 - 258581.8896370669) / 258581.8896370669 × 100
- 259356.36649249276 = Zillow ZHVI, 2026-09
- 258581.8896370669 = Zillow ZHVI, 2026-08
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.