Baraga County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Baraga County, Michigan? DLRadar grades every Baraga County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 8/100. Here is the 2026 Baraga County breakdown.
- Baraga County's most distressed ZIP is 49861 at 8/100.
- 7 ZIP codes tracked in Baraga County, averaging 6/100 distress.
- Baraga County reads expansion — home values up 5.5% year over year.
- Vacancy runs 46.9% across Baraga County's tracked ZIPs, with a 12.8% poverty rate.
- The typical Baraga County home is worth about $159,671 against a ~$55,860 median income.
- Lending headwind in Baraga County sits at 52/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 49861 | 8/100 |
| 2 | 49958 | 6/100 |
| 3 | 49908 | 5/100 |
| 4 | 49919 | 5/100 |
| 5 | 49946 | 5/100 |
| 6 | 49962 | 5/100 |
| 7 | 49970 | 5/100 |
Most distressed ZIP codes in Baraga County (composite distress 0-100, 2026)
What is driving Baraga County distress
The Baraga County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 6/100 ZIP average. No proprietary or modelled inputs enter the score.
Baraga County market phase and pricing
DLRadar places Baraga County in expansion; prices moved up 5.5% over the year. Longer marketing times follow, and with them the sellers worth calling.
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Frequently asked questions
What is the most distressed ZIP code in Baraga County, MI?
ZIP 49861 leads Baraga County at 8/100, recomputed monthly from public records.
Which phase does Baraga County sit in right now?
FHFA price-index movement places Baraga County in expansion; prices are up 5.5% over twelve months.
Where does the Baraga County data come from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 7 Baraga 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 Baraga County ZIP codes?
A county average hides the spread. Across the Baraga County ZIPs DLRadar ranks, scores run from 8/100 in 49861 down to 5/100 in 49970, against a Baraga County average of 6/100. A spread of 3 points means Baraga County has to be worked ZIP by ZIP.
What do Baraga County home values and vacancy say about distressed supply?
The typical Baraga County home carries about $159,671 of value against a median household income near $55,860. Vacancy across Baraga County's tracked ZIPs runs 46.9% and the poverty rate is 12.8%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Baraga County's foreclosure and tax-lien filings and its 52/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.