Tuscola County, MI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.49, -83.44.
Assembled 2026-10-19. Read the brief.
- 32nd pct · 2,076th of 3,063 US counties · median $230,451
- 21st pct · 65th of 83 Michigan counties · median $225,043
- 78th pct · 644th of 3,062 US counties · median +2.9%
- 53rd pct · 39th of 83 Michigan counties · median +5.3%
- US counties: not published this period
- Michigan counties: not published this period
- 59th pct · 1,305th of 3,221 US counties · median 8,232
- 46th pct · 45th of 83 Michigan counties · median 12,414
- 36th pct · 2,041st of 3,221 US counties · median $1,039
- 28th pct · 59th of 83 Michigan counties · median $1,045
- 37th pct · 1,926th of 3,063 US counties · median 4.2
- 29th pct · 59th of 83 Michigan counties · median 4.0
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 $185,735 (Sep 2026), +5.6% over one year, +22.0% over five
- 32nd pct · 2,076th of 3,063 US counties · median $230,451
- 21st pct · 65th of 83 Michigan counties · median $225,043
| Item | Value | Distance |
|---|---|---|
| Tuscola County, MI | $185,735 · +5.6% 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 #
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 $1,029 a month on $185,735 at 7.40%, against an average weekly wage worth $4,238 a month: 24.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $185,735 × 80% = $148,588, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,029/mo principal and interest
- wage share = payment / (avg weekly wage $978 × 52 / 12 = $4,238) = 24% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $185,735 / ($978 × 52) = 3.7
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 #
12,229 jobs at 956 employers (2026 Q1); +2.0% jobs and +0.1% average weekly wage over the year
- 59th pct · 1,305th of 3,221 US counties · median 8,232
- 46th pct · 45th of 83 Michigan counties · median 12,414
| Item | Value | Distance |
|---|---|---|
| Tuscola County, MI | 12,229 jobs · $978/wk · +2.0% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,398 | $1,158 | 1.42 | +2.0% |
| Retail trade | 1,354 | $700 | 1.14 | -0.2% |
| Accommodation and food services | 1,046 | $355 | 0.95 | +11.3% |
| Construction | 602 | $992 | 0.94 | +2.6% |
| Administrative and waste services | 548 | $1,362 | 0.79 | -1.1% |
| Wholesale trade | 407 | $1,416 | 0.87 | -4.0% |
| Other services | 395 | $742 | 1.08 | +7.6% |
| Agriculture, forestry, fishing | 378 | $1,050 | 4.28 | -10.4% |
| Finance and insurance | 253 | $1,236 | 0.51 | +7.2% |
| Professional and technical services | 196 | $783 | 0.23 | +0.0% |
| Information | 105 | $1,092 | 0.47 | +0.0% |
| Real estate and rental | 72 | $855 | 0.38 | +1.4% |
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 #
$589.3 m in deposits at 11 offices of 6 banks (SOD June 2026); HHI 2,092, highly concentrated. $394.1 m federal obligations in FY2026 (direct payments $383.9 m, grants $10.1 m), $32,228 per covered job
| Item | Value | Distance |
|---|---|---|
| Independent Bank | $170.2 m · 28.9% share · 2 offices | |
| Northstar Bank | $150.4 m · 25.5% share · 2 offices | |
| Mayville State Bank | $85.0 m · 14.4% share · 2 offices | |
| Tuscola, MI | $394.1 m FY2026 · $32,228/job | |
| MULTIPLE RECIPIENTS | $377.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Independent Bank | $170,157,000 | 28.9% | 2 |
| Northstar Bank | $150,352,000 | 25.5% | 2 |
| Mayville State Bank | $85,007,000 | 14.4% | 2 |
| Thumb Bank and Trust | $82,565,000 | 14.0% | 1 |
| The Huntington National Bank | $81,514,000 | 13.8% | 2 |
| Tri-County Bank | $19,696,000 | 3.3% | 2 |
Deposit concentration is 2,092 across 6 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 6 banks with deposits in the county = 28.9² + 25.5² + 14.4² + … (3 more) = 2,092
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 | $336,368,588 |
| Department of Veterans Affairs | $39,590,480 |
| Department of Transportation | $6,833,362 |
| Department of Agriculture | $5,571,058 |
| Department of Health and Human Services | $2,282,509 |
| Railroad Retirement Board | $1,402,581 |
| Federal Communications Commission | $982,133 |
| Department of Education | $574,401 |
| Department of Housing and Urban Development | $432,134 |
| Department of Defense | $79,795 |
| Small Business Administration | $0 |
| Department of Justice | $0 |
That is $32,228 per covered job, against 12,229 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $394.1 m / 12,229 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $32,228
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 #
Tuscola County, MI: 5 findings, 1 at a watch level and 4 noted
watchTuscola County, MI's momentum index of 0.44 scores 76 on the 0-to-100 scale across US counties but 43 across Michigan counties, a gap of 34 points.
Period 2026-09.Show the arithmetic
- 34 = |76 across US counties - 43 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
noteTuscola County, MI's covered employment was 2.0% 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
- +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
noteTuscola County, MI's average weekly wage was 0.1% 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
- +0.1 % = 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
noteThe next Unemployment rate (BLS Employment Situation, monthly) covering Tuscola County, MI is due between 2026-10-30 and 2026-11-13, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-10-30 to 2026-11-13, estimated from the publisher's past release pattern
estimated from the publisher's past release pattern; not an announced date
noteThe next Zillow ZHVI typical home value (monthly) covering Tuscola County, MI is due between 2026-11-14 and 2026-11-21, estimated from the publisher's past release pattern.
Show the arithmetic
- window = 2026-11-14 to 2026-11-21, 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.