Otsego County, MI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 45.02, -84.58.
Assembled 2026-10-19. Read the brief.
- 59th pct · 1,250th of 3,063 US counties · median $230,451
- 67th pct · 28th of 83 Michigan counties · median $225,043
- 64th pct · 1,102nd of 3,062 US counties · median +2.9%
- 21st pct · 65th of 83 Michigan counties · median +5.3%
- US counties: not published this period
- Michigan counties: not published this period
- 56th pct · 1,405th of 3,221 US counties · median 8,232
- 42nd pct · 48th of 83 Michigan counties · median 12,414
- 72nd pct · 896th of 3,221 US counties · median $1,039
- 75th pct · 21st of 83 Michigan counties · median $1,045
- 50th pct · 1,519th of 3,063 US counties · median 4.2
- 54th pct · 38th 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 $257,304 (Sep 2026), +4.0% over one year, +25.6% over five
- 59th pct · 1,250th of 3,063 US counties · median $230,451
- 67th pct · 28th of 83 Michigan counties · median $225,043
| Item | Value | Distance |
|---|---|---|
| Otsego County, MI | $257,304 · +4.0% 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 $1,425 a month on $257,304 at 7.40%, against an average weekly wage worth $5,053 a month: 28.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $257,304 × 80% = $205,844, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,425/mo principal and interest
- wage share = payment / (avg weekly wage $1,166 × 52 / 12 = $5,053) = 28% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $257,304 / ($1,166 × 52) = 4.2
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 #
10,738 jobs at 818 employers (2026 Q1); +5.3% jobs and +5.0% average weekly wage over the year
- 56th pct · 1,405th of 3,221 US counties · median 8,232
- 42nd pct · 48th of 83 Michigan counties · median 12,414
| Item | Value | Distance |
|---|---|---|
| Otsego County, MI | 10,738 jobs · $1,166/wk · +5.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 2,191 | $728 | 2.09 | -0.2% |
| Accommodation and food services | 1,265 | $527 | 1.31 | +4.3% |
| Manufacturing | 936 | $2,161 | 1.08 | -3.3% |
| Construction | 581 | $1,134 | 1.03 | +2.8% |
| Finance and insurance | 498 | $2,305 | 1.14 | -0.2% |
| Other services | 464 | $853 | 1.45 | +2.2% |
| Wholesale trade | 344 | $1,318 | 0.84 | -1.7% |
| Professional and technical services | 293 | $1,208 | 0.40 | +5.0% |
| Transportation and warehousing | 292 | $1,310 | 0.65 | -16.3% |
| Utilities | 98 | $2,135 | 2.31 | +8.9% |
| Arts, entertainment and recreation | 98 | $578 | 0.55 | -10.9% |
| Agriculture, forestry, fishing | 91 | $1,040 | 1.17 | +23.0% |
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 #
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 #
$579.7 m in deposits at 6 offices of 5 banks (SOD June 2026); HHI 2,372, highly concentrated. $251.5 m federal obligations in FY2026 (direct payments $197.5 m, grants $54.0 m), $23,421 per covered job
| Item | Value | Distance |
|---|---|---|
| Fifth Third Bank, National Association | $177.0 m · 30.5% share · 1 office | |
| The Huntington National Bank | $171.5 m · 29.6% share · 1 office | |
| Horizon Bank | $100.3 m · 17.3% share · 1 office | |
| Otsego, MI | $251.5 m FY2026 · $23,421/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Fifth Third Bank, National Association | $177,041,000 | 30.5% | 1 |
| The Huntington National Bank | $171,512,000 | 29.6% | 1 |
| Horizon Bank | $100,348,000 | 17.3% | 1 |
| Nicolet National Bank | $78,303,000 | 13.5% | 1 |
| State Savings Bank | $52,474,000 | 9.1% | 2 |
Deposit concentration is 2,372 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 30.5² + 29.6² + 17.3² + … (2 more) = 2,372
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 $23,421 per covered job, against 10,738 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $251.5 m / 10,738 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $23,421
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 #
Otsego County, MI: 9 findings, 1 at a watch level and 8 noted
watchOtsego County, MI's typical home value of +4.0% scores 64 on the 0-to-100 scale across US counties but 22 across Michigan counties, a gap of 42 points.
Period 2026-09.Show the arithmetic
- 42 = |64 across US counties - 22 across Michigan counties|
position among the entities that published this metric this period; not an official level
noteOtsego County, MI's covered employment was 5.3% 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
- +5.3 % = 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
noteOtsego County, MI's average weekly wage was 5.0% 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
- +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
noteOtsego County, MI's typical home value fell 0.7% from $259,248 in August 2026 to $257,304 in September 2026, on Zillow ZHVI.
Period 2026-09.Show the arithmetic
- -0.7% = (257304.41695568888 - 259247.9081969017) / 259247.9081969017 × 100
- 257304.41695568888 = Zillow ZHVI, 2026-09
- 259247.9081969017 = Zillow ZHVI, 2026-08
noteOtsego County, MI's momentum index of 0.74 ranks 146th of 3,221 US counties, against a median of 0.23.
Period 2026-09.Show the arithmetic
- 95 on the 0-to-100 scale across 3221 US counties that published momentum
- 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
Read all 9 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.