Alpena County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Alpena County, Michigan? DLRadar grades every Alpena County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 15/100. Here is the 2026 Alpena County breakdown.
- Alpena County's most distressed ZIP is 49707 at 15/100.
- 8 ZIP codes tracked in Alpena County, averaging 14/100 distress.
- Alpena County reads peak — home values up 4.2% year over year.
- Vacancy runs 33.3% across Alpena County's tracked ZIPs, with a 14.1% poverty rate.
- The typical Alpena County home is worth about $171,350 against a ~$53,391 median income.
- Lending headwind in Alpena County sits at 23/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 49707 | 15/100 |
| 2 | 49744 | 15/100 |
| 3 | 49747 | 15/100 |
| 4 | 49753 | 15/100 |
| 5 | 49766 | 15/100 |
| 6 | 48762 | 14/100 |
| 7 | 49776 | 13/100 |
| 8 | 49746 | 12/100 |
Most distressed ZIP codes in Alpena County (composite distress 0-100, 2026)
What is driving Alpena County distress
Nothing here is estimated: Alpena County is scored from filings alone, and its ZIPs average 14/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Alpena County market phase and pricing
The cycle in Alpena County is peak, with values up 4.2% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Alpena County
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Frequently asked
Which Alpena County ZIP scores worst for distress?
ZIP 49707 leads Alpena County at 15/100, recomputed monthly from public records.
How would you describe the Alpena County market phase?
Alpena County reads peak, with home prices up 4.2% year over year. Phase comes from FHFA House Price Index trajectory.
Can the Alpena County figures be verified?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 8 Alpena County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Alpena County ZIP codes?
The county figure is a blend, not a description. Across the Alpena County ZIPs DLRadar ranks, scores run from 15/100 in 49707 down to 12/100 in 49746, against a Alpena County average of 14/100. Because the gap runs to 3 points, Alpena County rewards ZIP-level precision.
What do Alpena County home values and vacancy say about distressed supply?
The typical Alpena County home carries about $171,350 of value against a median household income near $53,391. Vacancy across Alpena County's tracked ZIPs runs 33.3% and the poverty rate is 14.1%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Alpena County's foreclosure and lien filings and its 23/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.