Wayne County, MI
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 42.28, -83.26.
Assembled 2026-10-19. Read the brief.
- 27th pct · 2,215th of 3,063 US counties · median $230,451
- 13th pct · 72nd of 83 Michigan counties · median $225,043
- 0th pct · 6th of 6 counties in the Detroit-Warren-Dearborn metro · median $282,176
- 27th pct · 2,217th of 3,062 US counties · median +2.9%
- 2nd pct · 81st of 83 Michigan counties · median +5.3%
- 0th pct · 6th of 6 counties in the Detroit-Warren-Dearborn metro · median +2.5%
- 40th pct · 808th of 1,358 US counties · median $1,506
- 53rd pct · 19th of 40 Michigan counties · median $1,387
- 20th pct · 5th of 6 counties in the Detroit-Warren-Dearborn metro · median $1,422
- 99th pct · 32nd of 3,221 US counties · median 8,232
- 100th pct · 1st of 83 Michigan counties · median 12,414
- 100th pct · 1st of 6 counties in the Detroit-Warren-Dearborn metro · median 196,279
- 96th pct · 127th of 3,221 US counties · median $1,039
- 100th pct · 1st of 83 Michigan counties · median $1,045
- 100th pct · 1st of 6 counties in the Detroit-Warren-Dearborn metro · median $1,332
- 4th pct · 2,932nd of 3,063 US counties · median 4.2
- 0th pct · 83rd of 83 Michigan counties · median 4.0
- 0th pct · 6th 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 $175,631 (Sep 2026), +0.8% over one year, +20.7% over five
- 27th pct · 2,215th of 3,063 US counties · median $230,451
- 13th pct · 72nd of 83 Michigan counties · median $225,043
- 0th pct · 6th of 6 counties in the Detroit-Warren-Dearborn metro · median $282,176
| Item | Value | Distance |
|---|---|---|
| Wayne County, MI | $175,631 · +0.8% 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 $1,402/mo (Sep 2026), +4.5% over one year; price-to-rent 10.4
- 40th pct · 808th of 1,358 US counties · median $1,506
- 53rd pct · 19th of 40 Michigan counties · median $1,387
- 20th pct · 5th of 6 counties in the Detroit-Warren-Dearborn metro · median $1,422
| Item | Value | Distance |
|---|---|---|
| Wayne County, MI | $1,402/mo · +4.5% 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 $973 a month on $175,631 at 7.40%, against an average weekly wage worth $7,297 a month: 13.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $175,631 × 80% = $140,505, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $973/mo principal and interest
- wage share = payment / (avg weekly wage $1,684 × 52 / 12 = $7,297) = 13% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $175,631 / ($1,684 × 52) = 2.0
- price-to-rent = $175,631 / ($1,402 × 12) = 10.4
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 #
718,144 jobs at 37,839 employers (2026 Q1); +0.5% jobs and +5.5% average weekly wage over the year
- 99th pct · 32nd of 3,221 US counties · median 8,232
- 100th pct · 1st of 83 Michigan counties · median 12,414
- 100th pct · 1st of 6 counties in the Detroit-Warren-Dearborn metro · median 196,279
| Item | Value | Distance |
|---|---|---|
| Wayne County, MI | 718,144 jobs · $1,684/wk · +0.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 121,602 | $1,449 | 1.13 | +2.3% |
| Manufacturing | 82,540 | $1,965 | 1.43 | -4.3% |
| Retail trade | 65,297 | $793 | 0.93 | +2.1% |
| Accommodation and food services | 60,799 | $595 | 0.94 | +1.5% |
| Professional and technical services | 57,023 | $2,955 | 1.15 | +6.9% |
| Transportation and warehousing | 53,751 | $1,523 | 1.78 | -1.4% |
| Administrative and waste services | 34,655 | $1,141 | 0.85 | +0.1% |
| Finance and insurance | 28,754 | $2,798 | 0.98 | +7.7% |
| Wholesale trade | 24,460 | $2,086 | 0.89 | -1.4% |
| Construction | 23,048 | $1,742 | 0.61 | +0.4% |
| Other services | 22,514 | $941 | 1.05 | +1.3% |
| Management of companies | 18,017 | $5,350 | 1.50 | -12.6% |
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 #
$76.5 bn in deposits at 234 offices of 15 banks (SOD June 2026); HHI 3,387, highly concentrated. $20.7 bn federal obligations in FY2026 (direct payments $18.6 bn, contracts $1.7 bn), $28,886 per covered job
| Item | Value | Distance |
|---|---|---|
| JPMorgan Chase Bank, National Association | $37.2 bn · 48.6% share · 38 offices | |
| Fifth Third Bank, National Association | $23.5 bn · 30.8% share · 62 offices | |
| The Huntington National Bank | $4.1 bn · 5.3% share · 29 offices | |
| Wayne, MI | $20.7 bn FY2026 · $28,886/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | $37,152,312,000 | 48.6% | 38 |
| Fifth Third Bank, National Association | $23,511,520,000 | 30.8% | 62 |
| The Huntington National Bank | $4,066,577,000 | 5.3% | 29 |
| Bank of America, National Association | $3,845,894,000 | 5.0% | 22 |
| PNC Bank, National Association | $2,571,635,000 | 3.4% | 24 |
| Citizens Bank, National Association | $2,557,264,000 | 3.3% | 24 |
| Flagstar Bank, National Association | $1,137,081,000 | 1.5% | 14 |
| First Independence Bank | $510,657,000 | 0.7% | 2 |
| First Merchants Bank | $430,055,000 | 0.6% | 7 |
| Bank of Ann Arbor | $212,390,000 | 0.3% | 1 |
Deposit concentration is 3,387 across 15 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 15 banks with deposits in the county = 48.6² + 30.8² + 5.3² + … (12 more) = 3,387
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 $28,886 per covered job, against 718,144 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $20.7 bn / 718,144 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $28,886
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 #
Wayne County, MI: 22 findings, 1 at a watch level and 21 noted
watchWayne County, MI's momentum index of 0.37 scores 70 on the 0-to-100 scale across US counties but 38 across Michigan counties, a gap of 32 points.
Period 2026-09.Show the arithmetic
- 32 = |70 across US counties - 38 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
noteWayne County, MI's average weekly wage was 5.5% 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
- +5.5 % = 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
noteWayne County, MI's typical asking rent rose 0.7% from $1,393 in August 2026 to $1,402 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +0.7% = (1402.1915819616588 - 1393.042264086082) / 1393.042264086082 × 100
- 1402.1915819616588 = Zillow ZORI, 2026-09
- 1393.042264086082 = Zillow ZORI, 2026-08
noteWayne County, MI's covered employment was 0.5% 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
- +0.5 % = 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
noteWayne County, MI's typical home value of $175,631 ranks 6th of 6 counties in the Detroit-Warren-Dearborn metro, against a median of $282,176.
Period 2026-09.Show the arithmetic
- 0 on the 0-to-100 scale across 6 counties in the Detroit-Warren-Dearborn metro that published home.latest
position among the entities that published this metric this period; not an official level
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.