Oscoda County, MI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 44.69, -84.13.
Assembled 2026-10-19. Read the brief.
- 15th pct · 2,592nd of 3,063 US counties · median $230,451
- 3rd pct · 80th of 83 Michigan counties · median $225,043
- 59th pct · 1,229th of 3,062 US counties · median +2.9%
- 20th pct · 66th of 83 Michigan counties · median +5.3%
- US counties: not published this period
- Michigan counties: not published this period
- 8th pct · 2,944th of 3,221 US counties · median 8,232
- 1st pct · 82nd of 83 Michigan counties · median 12,414
- 6th pct · 3,022nd of 3,221 US counties · median $1,039
- 4th pct · 79th of 83 Michigan counties · median $1,045
- 33rd pct · 2,045th of 3,063 US counties · median 4.2
- 23rd pct · 64th 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 $145,292 (Sep 2026), +3.6% over one year, +22.0% over five
- 15th pct · 2,592nd of 3,063 US counties · median $230,451
- 3rd pct · 80th of 83 Michigan counties · median $225,043
| Item | Value | Distance |
|---|---|---|
| Oscoda County, MI | $145,292 · +3.6% 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 $805 a month on $145,292 at 7.40%, against an average weekly wage worth $3,454 a month: 23.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $145,292 × 80% = $116,233, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $805/mo principal and interest
- wage share = payment / (avg weekly wage $797 × 52 / 12 = $3,454) = 23% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $145,292 / ($797 × 52) = 3.5
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 #
1,225 jobs at 209 employers (2026 Q1); +0.3% jobs and +2.2% average weekly wage over the year
- 8th pct · 2,944th of 3,221 US counties · median 8,232
- 1st pct · 82nd of 83 Michigan counties · median 12,414
| Item | Value | Distance |
|---|---|---|
| Oscoda County, MI | 1,225 jobs · $797/wk · +0.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 212 | $528 | 1.78 | +5.0% |
| Accommodation and food services | 151 | $477 | 1.37 | +0.0% |
| Manufacturing | 139 | $1,028 | 1.41 | -2.1% |
| Other services | 76 | $623 | 2.08 | +4.1% |
| Administrative and waste services | 61 | $740 | 0.88 | +0.0% |
| Finance and insurance | 40 | $1,241 | 0.80 | +8.1% |
| Professional and technical services | 20 | $1,161 | 0.24 | +0.0% |
| Arts, entertainment and recreation | 9 | $332 | 0.45 | +0.0% |
| Information | 6 | $1,351 | 0.27 | +0.0% |
| Real estate and rental | 5 | $674 | 0.27 | +25.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | 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 #
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 #
$106.0 m in deposits at 2 offices of 2 banks (SOD June 2026); HHI 5,039, highly concentrated. $81.9 m federal obligations in FY2026 (direct payments $79.0 m, grants $2.8 m), $66,862 per covered job
| Item | Value | Distance |
|---|---|---|
| The Huntington National Bank | $57.7 m · 54.4% share · 1 office | |
| Mercantile Bank | $48.4 m · 45.6% share · 1 office | |
| Oscoda, MI | $81.9 m FY2026 · $66,862/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The Huntington National Bank | $57,673,000 | 54.4% | 1 |
| Mercantile Bank | $48,359,000 | 45.6% | 1 |
Deposit concentration is 5,039 across 2 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 2 banks with deposits in the county = 54.4² + 45.6² = 5,039
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 | $70,203,270 |
| Department of Veterans Affairs | $8,103,539 |
| Department of Transportation | $2,468,212 |
| Department of Agriculture | $515,607 |
| Railroad Retirement Board | $283,953 |
| Department of Housing and Urban Development | $198,836 |
| Department of Health and Human Services | $112,500 |
| Department of Education | $19,573 |
That is $66,862 per covered job, against 1,225 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $81.9 m / 1,225 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $66,862
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 #
Oscoda County, MI: 11 findings, 1 at a watch level and 10 noted
watchOscoda County, MI's typical home value of +3.6% scores 60 on the 0-to-100 scale across US counties but 21 across Michigan counties, a gap of 39 points.
Period 2026-09.Show the arithmetic
- 39 = |60 across US counties - 21 across Michigan counties|
position among the entities that published this metric this period; not an official level
noteOscoda County, MI's average weekly wage was 2.2% 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
- +2.2 % = 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
noteOscoda County, MI's covered employment was 0.3% 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
- +0.3 % = 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
noteOscoda County, MI's typical home value fell 0.3% from $145,667 in August 2026 to $145,292 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.3% = (145291.73150717872 - 145666.8409515058) / 145666.8409515058 × 100
- 145291.73150717872 = Zillow ZHVI, 2026-09
- 145666.8409515058 = Zillow ZHVI, 2026-08
noteOscoda County, MI's covered employment of 1,225 ranks 82nd of 83 Michigan counties, against a median of 12,414.
Period 2026 Q1.Show the arithmetic
- 1 on the 0-to-100 scale across 83 Michigan 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.