Livingston County, MI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.60, -83.91.
Assembled 2026-10-19. Read the brief.
- 86th pct · 408th of 3,063 US counties · median $230,451
- 92nd pct · 7th of 83 Michigan counties · median $225,043
- 100th pct · 1st of 6 counties in the Detroit-Warren-Dearborn metro · median $282,176
- 49th pct · 1,561st of 3,062 US counties · median +2.9%
- 12th pct · 73rd of 83 Michigan counties · median +5.3%
- 60th pct · 3rd of 6 counties in the Detroit-Warren-Dearborn metro · median +2.5%
- 80th pct · 270th of 1,358 US counties · median $1,506
- 97th pct · 2nd of 40 Michigan counties · median $1,387
- 100th pct · 1st of 6 counties in the Detroit-Warren-Dearborn metro · median $1,422
- 86th pct · 425th of 3,221 US counties · median 8,232
- 87th pct · 11th of 83 Michigan counties · median 12,414
- 40th pct · 4th of 6 counties in the Detroit-Warren-Dearborn metro · median 196,279
- 67th pct · 1,034th of 3,221 US counties · median $1,039
- 69th pct · 26th of 83 Michigan counties · median $1,045
- 20th pct · 5th of 6 counties in the Detroit-Warren-Dearborn metro · median $1,332
- 87th pct · 386th of 3,063 US counties · median 4.2
- 93rd pct · 6th of 83 Michigan counties · median 4.0
- 100th pct · 1st 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 $402,827 (Sep 2026), +2.8% over one year, +24.1% over five
- 86th pct · 408th of 3,063 US counties · median $230,451
- 92nd pct · 7th of 83 Michigan counties · median $225,043
- 100th pct · 1st of 6 counties in the Detroit-Warren-Dearborn metro · median $282,176
| Item | Value | Distance |
|---|---|---|
| Livingston County, MI | $402,827 · +2.8% 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 $1,933/mo (Sep 2026), +6.2% over one year; price-to-rent 17.4
- 80th pct · 270th of 1,358 US counties · median $1,506
- 97th pct · 2nd of 40 Michigan counties · median $1,387
- 100th pct · 1st of 6 counties in the Detroit-Warren-Dearborn metro · median $1,422
| Item | Value | Distance |
|---|---|---|
| Livingston County, MI | $1,933/mo · +6.2% 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 $2,231 a month on $402,827 at 7.40%, against an average weekly wage worth $4,910 a month: 45.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $402,827 × 80% = $322,261, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $2,231/mo principal and interest
- wage share = payment / (avg weekly wage $1,133 × 52 / 12 = $4,910) = 45% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $402,827 / ($1,133 × 52) = 6.8
- price-to-rent = $402,827 / ($1,933 × 12) = 17.4
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 #
64,082 jobs at 4,893 employers (2026 Q1); +0.8% jobs and -0.2% average weekly wage over the year
- 86th pct · 425th of 3,221 US counties · median 8,232
- 87th pct · 11th of 83 Michigan counties · median 12,414
- 40th pct · 4th of 6 counties in the Detroit-Warren-Dearborn metro · median 196,279
| Item | Value | Distance |
|---|---|---|
| Livingston County, MI | 64,082 jobs · $1,133/wk · +0.8% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 9,101 | $1,584 | 1.77 | -3.9% |
| Accommodation and food services | 8,642 | $463 | 1.50 | +12.7% |
| Health care and social assistance | 8,033 | $952 | 0.83 | +1.3% |
| Retail trade | 7,955 | $841 | 1.27 | -1.4% |
| Professional and technical services | 4,781 | $1,301 | 1.08 | -3.7% |
| Construction | 4,344 | $1,317 | 1.29 | +3.4% |
| Wholesale trade | 2,697 | $1,961 | 1.10 | -0.8% |
| Other services | 2,112 | $870 | 1.10 | +1.9% |
| Administrative and waste services | 1,794 | $1,113 | 0.49 | -1.8% |
| Finance and insurance | 1,718 | $1,916 | 0.66 | +10.0% |
| Arts, entertainment and recreation | 1,161 | $421 | 1.10 | +31.2% |
| Real estate and rental | 781 | $1,157 | 0.79 | -37.0% |
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 #
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 #
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 #
67 gauges · 0 flooding · 13 with quality panels averaging 90 % · 33 stale
Sites found: 67, 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 |
|---|---|---|
| RED RUN AT RYAN ROAD NEAR WARREN, MI | flow 3.40 ft³/s · quality 75 % (4) | 70 km |
| RIVER ROUGE AT DETROIT, MI | flow 43.8 ft³/s · quality 80 % (5) | 60 km |
| BELL BRANCH AT BEECH-DALY ROAD AT REDFORD, MI | stage 3.56 ft · quality 75 % (4) | 56 km |
| HURON RIVER NEAR HAMBURG, MI | flow 86.9 ft³/s | 18 km |
| HURON RIVER NEAR NEW HUDSON, MI | flow 105.0 ft³/s · STALE | 22 km |
| HURON RIVER AT MILFORD, MI | flow 93.6 ft³/s · STALE | 23 km |
| SHIAWASSEE RIVER AT LINDEN, MI | flow 17.0 ft³/s · STALE | 25 km |
| RED CEDAR RIVER NEAR WILLIAMSTON, MI | flow 41.1 ft³/s | 27 km |
| HURON RIVER AT ZEEB RD AT SCIO, MI | flow 251.0 ft³/s | 32 km |
| THREEMILE CREEK AT PRIOR ROAD NEAR DURAND, MI | turb. 3.50 FNU · quality 100 % (5) · STALE | 32 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 #
47 wells in 0 named aquifers:
Sites found: 47, 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-423137083465702 | depth 47.9 ft · 1984-12-31 | 14 km |
| USGS-423622083390701 | depth 26.8 ft · 1996-09-16 | 21 km |
| USGS-422853083402801 | depth 16.2 ft · 1996-09-14 | 24 km |
| USGS-424109083384301 | depth 33.8 ft · 2008-09-29 | 24 km |
| USGS-423423083324001 | depth 5.26 ft · 2026-10-18 | 30 km |
| USGS-421850084043001 | depth 4.95 ft · 1991-12-11 | 35 km |
| USGS-424133083293101 | depth 29.5 ft · 2004-03-31 | 36 km |
| USGS-424133083293201 | depth 10.0 ft · 1981-09-16 | 36 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 (0.04)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.00 + 0.2×0.10 / 0.55
Banks & federal dollars #
$4.5 bn in deposits at 38 offices of 12 banks (SOD June 2026); HHI 1,525, moderately concentrated. $1.4 bn federal obligations in FY2026 (direct payments $1.3 bn, grants $37.2 m), $22,051 per covered job
| Item | Value | Distance |
|---|---|---|
| Fifth Third Bank, National Association | $975.1 m · 21.9% share · 7 offices | |
| The Huntington National Bank | $944.8 m · 21.2% share · 6 offices | |
| JPMorgan Chase Bank, National Association | $709.7 m · 15.9% share · 4 offices | |
| Livingston, MI | $1.4 bn FY2026 · $22,051/job | |
| MULTIPLE RECIPIENTS | $1.3 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Fifth Third Bank, National Association | $975,132,000 | 21.9% | 7 |
| The Huntington National Bank | $944,846,000 | 21.2% | 6 |
| JPMorgan Chase Bank, National Association | $709,699,000 | 15.9% | 4 |
| Bank of Ann Arbor | $605,394,000 | 13.6% | 9 |
| PNC Bank, National Association | $433,513,000 | 9.7% | 3 |
| Flagstar Bank, National Association | $246,890,000 | 5.5% | 3 |
| Bank of America, National Association | $219,822,000 | 4.9% | 1 |
| Old National Bank | $115,459,000 | 2.6% | 1 |
| Citizens Bank, National Association | $74,262,000 | 1.7% | 1 |
| Independent Bank | $49,627,000 | 1.1% | 1 |
Deposit concentration is 1,525 across 12 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 12 banks with deposits in the county = 21.9² + 21.2² + 15.9² + … (9 more) = 1,525
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 | $1,230,361,215 |
| Department of Veterans Affairs | $93,337,262 |
| Department of Transportation | $34,069,119 |
| Department of Education | $21,020,676 |
| Department of Agriculture | $20,020,581 |
| Department of Defense | $4,903,855 |
| Department of Health and Human Services | $3,221,852 |
| Railroad Retirement Board | $2,667,111 |
| Environmental Protection Agency | $2,328,545 |
| Federal Communications Commission | $842,985 |
| National Aeronautics and Space Administration | $145,005 |
| Department of Housing and Urban Development | $119,606 |
That is $22,051 per covered job, against 64,082 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $1.4 bn / 64,082 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,051
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 #
Livingston County, MI: 15 findings, 2 at a watch level and 13 noted
watchLivingston County, MI's average weekly wage is -0.2% 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 = -0.2 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchLivingston County, MI's typical home value of +2.8% scores 49 on the 0-to-100 scale across US counties but 12 across Michigan counties, a gap of 37 points.
Period 2026-09.Show the arithmetic
- 37 = |49 across US counties - 12 across Michigan counties|
position among the entities that published this metric this period; not an official level
noteLivingston County, MI's typical asking rent rose 0.9% from $1,916 in August 2026 to $1,933 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +0.9% = (1933.0671296296296 - 1916.4164395388825) / 1916.4164395388825 × 100
- 1933.0671296296296 = Zillow ZORI, 2026-09
- 1916.4164395388825 = Zillow ZORI, 2026-08
noteLivingston County, MI's covered employment was 0.8% 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
- +0.8 % = 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
noteLivingston County, MI's typical home value rose 0.5% from $401,013 in August 2026 to $402,827 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- +0.5% = (402826.5456819386 - 401012.7637331272) / 401012.7637331272 × 100
- 402826.5456819386 = Zillow ZHVI, 2026-09
- 401012.7637331272 = 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.