Alcona County, MI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 44.66, -83.29.
Assembled 2026-10-19. Read the brief.
- 36th pct · 1,959th of 3,063 US counties · median $230,451
- 29th pct · 59th of 83 Michigan counties · median $225,043
- 91st pct · 254th of 3,062 US counties · median +2.9%
- 79th pct · 18th of 83 Michigan counties · median +5.3%
- US counties: not published this period
- Michigan counties: not published this period
- 10th pct · 2,875th of 3,221 US counties · median 8,232
- 4th pct · 79th of 83 Michigan counties · median 12,414
- 3rd pct · 3,115th of 3,221 US counties · median $1,039
- 2nd pct · 81st of 83 Michigan counties · median $1,045
- 66th pct · 1,028th of 3,063 US counties · median 4.2
- 75th pct · 21st 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 $194,373 (Sep 2026), +8.1% over one year, +23.8% over five
- 36th pct · 1,959th of 3,063 US counties · median $230,451
- 29th pct · 59th of 83 Michigan counties · median $225,043
| Item | Value | Distance |
|---|---|---|
| Alcona County, MI | $194,373 · +8.1% 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 $1,077 a month on $194,373 at 7.40%, against an average weekly wage worth $3,194 a month: 33.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $194,373 × 80% = $155,498, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,077/mo principal and interest
- wage share = payment / (avg weekly wage $737 × 52 / 12 = $3,194) = 34% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $194,373 / ($737 × 52) = 5.1
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 #
1,442 jobs at 210 employers (2026 Q1); +4.8% jobs and -3.8% average weekly wage over the year
- 10th pct · 2,875th of 3,221 US counties · median 8,232
- 4th pct · 79th of 83 Michigan counties · median 12,414
| Item | Value | Distance |
|---|---|---|
| Alcona County, MI | 1,442 jobs · $737/wk · +4.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 296 | $616 | 2.11 | +10.9% |
| Manufacturing | 165 | $937 | 1.42 | -8.8% |
| Health care and social assistance | 142 | $986 | 0.65 | -7.8% |
| Other services | 79 | $379 | 1.83 | +5.3% |
| Administrative and waste services | 35 | $785 | 0.43 | +9.4% |
| Finance and insurance | 31 | $1,469 | 0.53 | +0.0% |
| Real estate and rental | 21 | $896 | 0.95 | +0.0% |
| Professional and technical services | 17 | $849 | 0.17 | -32.0% |
| Wholesale trade | 11 | $1,515 | 0.20 | -8.3% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | 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 #
14 gauges · 0 flooding · 7 with quality panels averaging 100 %
Sites found: 14, 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 |
|---|---|---|
| PINE RIVER AT KINGS CORNER RD NR OSCODA, MI | flow 168.0 ft³/s | 18 km |
| VAN ETTEN CREEK AT HWY F-41 AT OSCODA, MI | flow 105.0 ft³/s | 24 km |
| CLARKS MARSH SE OUTLET NEAR OSCODA, MI | stage 3.96 ft | 26 km |
| AU SABLE RIVER NR US23 AT OSCODA, MI | stage 13.9 ft | 27 km |
| AU SABLE RIVER NEAR AU SABLE, MI | flow 1,300 ft³/s · quality 100 % (2) | 27 km |
| AU SABLE RIVER NEAR SIDTOWN, MI | DO 9.40 mg/l · quality 100 % (2) | 30 km |
| AU SABLE RIVER NEAR GLENNIE, MI | DO 9.90 mg/l · quality 100 % (2) | 38 km |
| AU SABLE RIVER NEAR SOUTH BRANCH, MI | DO 9.90 mg/l · quality 100 % (2) | 40 km |
| AU SABLE RIVER NEAR CURTISVILLE, MI | flow 1,350 ft³/s · quality 100 % (2) | 42 km |
| AU SABLE RIVER NEAR MC KINLEY, MI | flow 1,220 ft³/s · quality 100 % (2) | 43 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 #
3 wells in 1 named aquifer: Sand and gravel aquifers (glaciated regions)
Sites found: 3, 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 |
|---|---|---|
| Sand and gravel aquifers (glaciated regions) | depth 21.6 ft · 1992-04-06 | 24 km |
| 24N 09E 28BCBA IOSCO CO (GST2) | depth 21.7 ft · 1990-09-18 | 29 km |
| Sand and gravel aquifers (glaciated regions) | depth 15.1 ft · 1992-04-21 | 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 #
$61.8 m in deposits at 2 offices of 1 banks (SOD June 2026); HHI 10,000, highly concentrated. $168.8 m federal obligations in FY2026 (direct payments $118.8 m, grants $50.0 m), $117,075 per covered job
| Item | Value | Distance |
|---|---|---|
| Huron Community Bank | $61.8 m · 100.0% share · 2 offices | |
| Alcona, MI | $168.8 m FY2026 · $117,075/job | |
| MULTIPLE RECIPIENTS | $118.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Huron Community Bank | $61,840,000 | 100.0% | 2 |
Deposit concentration is 10,000 across 1 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 1 banks with deposits in the county = 100.0² = 10,000
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 | $105,332,955 |
| Department of Health and Human Services | $36,386,062 |
| Department of Agriculture | $13,001,373 |
| Department of Veterans Affairs | $12,466,807 |
| Department of Transportation | $985,872 |
| Railroad Retirement Board | $362,966 |
| Federal Communications Commission | $242,600 |
| Department of Housing and Urban Development | $43,543 |
That is $117,075 per covered job, against 1,442 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $168.8 m / 1,442 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $117,075
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 #
Alcona County, MI: 11 findings, 2 at a watch level and 9 noted
watchAlcona County, MI's average weekly wage is -3.8% 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 = -3.8 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchAlcona County, MI's momentum index of 0.45 scores 78 on the 0-to-100 scale across US counties but 46 across Michigan counties, a gap of 31 points.
Period 2026-09.Show the arithmetic
- 31 = |78 across US counties - 46 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
noteAlcona County, MI's covered employment was 4.8% 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
- +4.8 % = 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
noteAlcona County, MI's average weekly wage was 3.8% 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
- -3.8 % = 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
noteAlcona County, MI's average weekly wage of $737 ranks 81st of 83 Michigan counties, against a median of $1,045.
Period 2026 Q1.Show the arithmetic
- 2 on the 0-to-100 scale across 83 Michigan counties that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
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.