Genesee County, MI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 43.02, -83.71.
Assembled 2026-10-19. Read the brief.
- 36th pct · 1,946th of 3,063 US counties · median $230,451
- 30th pct · 58th of 83 Michigan counties · median $225,043
- counties in the Flint metro: Rank context is unavailable: the manifest lists 1 counties in the Flint metro; fewer than 5 is too few to rank.
- 65th pct · 1,049th of 3,062 US counties · median +2.9%
- 25th pct · 62nd of 83 Michigan counties · median +5.3%
- counties in the Flint metro: Rank context is unavailable: the manifest lists 1 counties in the Flint metro; fewer than 5 is too few to rank.
- 9th pct · 1,225th of 1,358 US counties · median $1,506
- 7th pct · 37th of 40 Michigan counties · median $1,387
- counties in the Flint metro: Rank context is unavailable: the manifest lists 1 counties in the Flint metro; fewer than 5 is too few to rank.
- 92nd pct · 236th of 3,221 US counties · median 8,232
- 92nd pct · 7th of 83 Michigan counties · median 12,414
- counties in the Flint metro: Rank context is unavailable: the manifest lists 1 counties in the Flint metro; fewer than 5 is too few to rank.
- 69th pct · 981st of 3,221 US counties · median $1,039
- 70th pct · 25th of 83 Michigan counties · median $1,045
- counties in the Flint metro: Rank context is unavailable: the manifest lists 1 counties in the Flint metro; fewer than 5 is too few to rank.
- 28th pct · 2,200th of 3,063 US counties · median 4.2
- 14th pct · 71st of 83 Michigan counties · median 4.0
- counties in the Flint metro: Rank context is unavailable: the manifest lists 1 counties in the Flint metro; fewer than 5 is too few to rank.
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 $195,727 (Sep 2026), +4.1% over one year, +26.2% over five
- 36th pct · 1,946th of 3,063 US counties · median $230,451
- 30th pct · 58th of 83 Michigan counties · median $225,043
- counties in the Flint metro: Rank context is unavailable: the manifest lists 1 counties in the Flint metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Genesee County, MI | $195,727 · +4.1% 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 #
Typical rent $1,041/mo (Sep 2026), +5.2% over one year; price-to-rent 15.7
- 9th pct · 1,225th of 1,358 US counties · median $1,506
- 7th pct · 37th of 40 Michigan counties · median $1,387
- counties in the Flint metro: Rank context is unavailable: the manifest lists 1 counties in the Flint metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Genesee County, MI | $1,041/mo · +5.2% 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 $1,084 a month on $195,727 at 7.40%, against an average weekly wage worth $4,966 a month: 21.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $195,727 × 80% = $156,582, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,084/mo principal and interest
- wage share = payment / (avg weekly wage $1,146 × 52 / 12 = $4,966) = 22% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $195,727 / ($1,146 × 52) = 3.3
- price-to-rent = $195,727 / ($1,041 × 12) = 15.7
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 #
133,445 jobs at 7,500 employers (2026 Q1); +0.9% jobs and +3.5% average weekly wage over the year
- 92nd pct · 236th of 3,221 US counties · median 8,232
- 92nd pct · 7th of 83 Michigan counties · median 12,414
- counties in the Flint metro: Rank context is unavailable: the manifest lists 1 counties in the Flint metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Genesee County, MI | 133,445 jobs · $1,146/wk · +0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 24,908 | $1,315 | 1.24 | +4.5% |
| Retail trade | 17,640 | $831 | 1.36 | -3.6% |
| Accommodation and food services | 13,541 | $432 | 1.13 | +5.3% |
| Manufacturing | 13,302 | $1,616 | 1.24 | +0.7% |
| Administrative and waste services | 9,331 | $758 | 1.23 | -5.2% |
| Construction | 6,693 | $1,544 | 0.96 | +7.1% |
| Wholesale trade | 6,626 | $1,413 | 1.30 | -1.6% |
| Professional and technical services | 4,942 | $1,204 | 0.54 | +1.2% |
| Other services | 4,181 | $910 | 1.05 | +7.3% |
| Finance and insurance | 3,859 | $2,034 | 0.71 | -2.9% |
| Educational services | 2,467 | $816 | 0.86 | -3.3% |
| Arts, entertainment and recreation | 1,598 | $505 | 0.73 | -1.2% |
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 #
$5.4 bn in deposits at 46 offices of 8 banks (SOD June 2026); HHI 2,820, highly concentrated. $2.8 bn federal obligations in FY2026 (direct payments $2.7 bn, grants $96.9 m), $20,958 per covered job
| Item | Value | Distance |
|---|---|---|
| JPMorgan Chase Bank, National Association | $2.1 bn · 39.3% share · 13 offices | |
| The Huntington National Bank | $1.7 bn · 31.4% share · 14 offices | |
| ChoiceOne Bank | $791.3 m · 14.5% share · 8 offices | |
| Genesee, MI | $2.8 bn FY2026 · $20,958/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | $2,138,768,000 | 39.3% | 13 |
| The Huntington National Bank | $1,709,041,000 | 31.4% | 14 |
| ChoiceOne Bank | $791,264,000 | 14.5% | 8 |
| Fifth Third Bank, National Association | $426,927,000 | 7.8% | 5 |
| Flagstar Bank, National Association | $152,664,000 | 2.8% | 2 |
| PNC Bank, National Association | $121,784,000 | 2.2% | 2 |
| Independent Bank | $70,031,000 | 1.3% | 1 |
| Oxford Bank | $29,956,000 | 0.6% | 1 |
Deposit concentration is 2,820 across 8 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 8 banks with deposits in the county = 39.3² + 31.4² + 14.5² + … (5 more) = 2,820
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 #
That is $20,958 per covered job, against 133,445 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $2.8 bn / 133,445 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $20,958
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 #
Genesee County, MI: 11 findings, 2 at a watch level and 9 noted
watchGenesee County, MI's typical home value of +4.1% scores 66 on the 0-to-100 scale across US counties but 26 across Michigan counties, a gap of 40 points.
Period 2026-09.Show the arithmetic
- 40 = |66 across US counties - 26 across Michigan counties|
position among the entities that published this metric this period; not an official level
watchGenesee County, MI's momentum index of 0.44 scores 76 on the 0-to-100 scale across US counties but 44 across Michigan counties, a gap of 33 points.
Period 2026-09.Show the arithmetic
- 33 = |76 across US counties - 44 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
noteGenesee County, MI's average weekly wage was 3.5% 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
- +3.5 % = 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
noteGenesee 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
noteGenesee County, MI's covered employment of 133,445 ranks 236th of 3,221 US counties, against a median of 8,232.
Period 2026 Q1.Show the arithmetic
- 93 on the 0-to-100 scale across 3221 US counties that published jobs.emp
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.