Macomb County, MI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.67, -82.91.
Assembled 2026-10-20. Read the brief.
- 62nd pct · 1,159th of 3,063 US counties · median $230,451
- 76th pct · 20th of 83 Michigan counties · median $225,043
- 40th pct · 4th of 6 counties in the Detroit-Warren-Dearborn metro · median $282,176
- 31st pct · 2,095th of 3,062 US counties · median +2.9%
- 3rd pct · 80th of 83 Michigan counties · median +5.3%
- 20th pct · 5th of 6 counties in the Detroit-Warren-Dearborn metro · median +2.5%
- 42nd pct · 781st of 1,358 US counties · median $1,506
- 61st pct · 16th of 40 Michigan counties · median $1,387
- 40th pct · 4th of 6 counties in the Detroit-Warren-Dearborn metro · median $1,422
- 97th pct · 92nd of 3,221 US counties · median 8,232
- 96th pct · 4th of 83 Michigan counties · median 12,414
- 60th pct · 3rd of 6 counties in the Detroit-Warren-Dearborn metro · median 196,279
- 93rd pct · 222nd of 3,221 US counties · median $1,039
- 96th pct · 4th of 83 Michigan counties · median $1,045
- 60th pct · 3rd of 6 counties in the Detroit-Warren-Dearborn metro · median $1,332
- 30th pct · 2,122nd of 3,063 US counties · median 4.2
- 18th pct · 68th of 83 Michigan counties · median 4.0
- 20th pct · 5th 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 $267,474 (Sep 2026), +1.2% over one year, +22.4% over five
- 62nd pct · 1,159th of 3,063 US counties · median $230,451
- 76th pct · 20th of 83 Michigan counties · median $225,043
- 40th pct · 4th of 6 counties in the Detroit-Warren-Dearborn metro · median $282,176
| Item | Value | Distance |
|---|---|---|
| Macomb County, MI | $267,474 · +1.2% 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 $1,422/mo (Sep 2026), +3.5% over one year; price-to-rent 15.7
- 42nd pct · 781st of 1,358 US counties · median $1,506
- 61st pct · 16th of 40 Michigan counties · median $1,387
- 40th pct · 4th of 6 counties in the Detroit-Warren-Dearborn metro · median $1,422
| Item | Value | Distance |
|---|---|---|
| Macomb County, MI | $1,422/mo · +3.5% 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 $1,482 a month on $267,474 at 7.40%, against an average weekly wage worth $6,561 a month: 22.6% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $267,474 × 80% = $213,979, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,482/mo principal and interest
- wage share = payment / (avg weekly wage $1,514 × 52 / 12 = $6,561) = 23% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $267,474 / ($1,514 × 52) = 3.4
- price-to-rent = $267,474 / ($1,422 × 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 #
328,475 jobs at 20,148 employers (2026 Q1); +0.4% jobs and +6.1% average weekly wage over the year
- 97th pct · 92nd of 3,221 US counties · median 8,232
- 96th pct · 4th of 83 Michigan counties · median 12,414
- 60th pct · 3rd of 6 counties in the Detroit-Warren-Dearborn metro · median 196,279
| Item | Value | Distance |
|---|---|---|
| Macomb County, MI | 328,475 jobs · $1,514/wk · +0.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 61,908 | $1,689 | 2.34 | +1.3% |
| Health care and social assistance | 44,650 | $1,061 | 0.90 | +5.6% |
| Retail trade | 38,091 | $800 | 1.19 | -4.9% |
| Professional and technical services | 29,423 | $3,481 | 1.30 | -3.8% |
| Accommodation and food services | 29,035 | $483 | 0.98 | +1.9% |
| Construction | 17,413 | $1,570 | 1.01 | +5.2% |
| Administrative and waste services | 13,132 | $1,039 | 0.70 | +3.9% |
| Transportation and warehousing | 12,069 | $1,249 | 0.87 | -3.1% |
| Wholesale trade | 11,365 | $1,572 | 0.90 | +10.0% |
| Other services | 9,375 | $889 | 0.96 | +0.4% |
| Management of companies | 8,283 | $4,366 | 1.51 | -2.8% |
| Finance and insurance | 5,764 | $1,930 | 0.43 | +4.3% |
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 #
$21.1 bn in deposits at 154 offices of 13 banks (SOD June 2026); HHI 1,558, moderately concentrated. $7.7 bn federal obligations in FY2026 (direct payments $5.2 bn, contracts $2.4 bn), $23,331 per covered job
| Item | Value | Distance |
|---|---|---|
| Fifth Third Bank, National Association | $5.2 bn · 24.4% share · 38 offices | |
| The Huntington National Bank | $4.1 bn · 19.2% share · 29 offices | |
| JPMorgan Chase Bank, National Association | $3.7 bn · 17.4% share · 17 offices | |
| Macomb, MI | $7.7 bn FY2026 · $23,331/job | |
| MULTIPLE RECIPIENTS | $5.1 bn · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Fifth Third Bank, National Association | $5,151,732,000 | 24.4% | 38 |
| The Huntington National Bank | $4,055,352,000 | 19.2% | 29 |
| JPMorgan Chase Bank, National Association | $3,685,899,000 | 17.4% | 17 |
| Bank of America, National Association | $2,275,817,000 | 10.8% | 14 |
| Citizens Bank, National Association | $1,795,996,000 | 8.5% | 16 |
| PNC Bank, National Association | $1,375,550,000 | 6.5% | 10 |
| First State Bank | $1,192,670,000 | 5.6% | 10 |
| Flagstar Bank, National Association | $1,160,447,000 | 5.5% | 14 |
| Independent Bank | $198,902,000 | 0.9% | 2 |
| First Merchants Bank | $80,854,000 | 0.4% | 1 |
Deposit concentration is 1,558 across 13 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 13 banks with deposits in the county = 24.4² + 19.2² + 17.4² + … (10 more) = 1,558
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 | $4,712,727,908 |
| Department of Defense | $2,175,873,532 |
| Department of Veterans Affairs | $382,293,886 |
| Department of Housing and Urban Development | $95,007,483 |
| Department of Homeland Security | $72,124,411 |
| Department of Transportation | $66,166,505 |
| General Services Administration | $53,435,510 |
| Department of Education | $50,228,705 |
| Environmental Protection Agency | $23,848,979 |
| Railroad Retirement Board | $9,155,048 |
| Department of Health and Human Services | $7,911,395 |
| Department of Justice | $5,319,333 |
That is $23,331 per covered job, against 328,475 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $7.7 bn / 328,475 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,331
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.
Public companies #
1 public company files with the SEC from a business address here (UNIVERSAL LOGISTICS HOLDINGS, INC.). The snapshot was pulled 2026-10-20; 1 of 1 carry financial facts. The county's jobs mix maps to 10 GICS sectors, led by Industrials.
| Item | Value | Distance |
|---|---|---|
| UNIVERSAL LOGISTICS HOLDINGS, INC. | ULH · Nasdaq · Industrials · WARREN, MI 48089 |
Snapshot pulled 2026-10-20: 1 filers, 1 with financial facts.
Public filers whose registered business address with the SEC falls in this county, from a committed snapshot of EDGAR's company_tickers_exchange file. A position is the centroid of the address's ZIP code (Census ZCTA) or, where the snapshot says so, of its city: it is not a building. Legal entities only - no officer, insider or shareholder data is read, and Forms 3, 4 and 5 are excluded everywhere. Sector exposure is the county's BLS QCEW jobs mix bridged to GICS sectors by a convention documented in lib/companies/sectors.ts; a jobs mix is not a portfolio.
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 | 17.40 | 2026-10-19 | -3.1% |
| 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 | 2026-10-20 | +0.0% |
| Laredo truck crossings, monthly · trucks | 255,129.00 | 2026-09-01 | -1.4% |
| 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 | 1,221.00 | 2026-09-01 | -5.2% |
| Building permits, annual rate · thousands of units | 1,400.00 | 2026-09-01 | -0.2% |
| 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 #
Macomb County, MI: 11 findings, 1 at a watch level and 10 noted
watchMacomb County, MI's momentum index of 0.38 scores 70 on the 0-to-100 scale across US counties but 39 across Michigan counties, a gap of 31 points.
Period 2026-09.Show the arithmetic
- 31 = |70 across US counties - 39 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
noteMacomb County, MI's average weekly wage was 6.1% 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
- +6.1 % = 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
noteMacomb County, MI's covered employment was 0.4% 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
- +0.4 % = 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
noteMacomb County, MI's covered employment of 328,475 ranks 92nd of 3,221 US counties, against a median of 8,232.
Period 2026 Q1.Show the arithmetic
- 97 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
noteMacomb County, MI's typical home value of +1.2% ranks 80th of 83 Michigan counties, against a median of +5.3%.
Period 2026-09.Show the arithmetic
- 4 on the 0-to-100 scale across 83 Michigan counties that published home.yoyPct
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.