Bay County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Bay County, Michigan? DLRadar grades every Bay County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 29/100. Here is the 2026 Bay County breakdown.
- Bay County's most distressed ZIP is 48604 at 29/100.
- 17 ZIP codes tracked in Bay County, averaging 17/100 distress.
- Bay County reads expansion — home values up 5.1% year over year.
- Vacancy runs 8.9% across Bay County's tracked ZIPs, with a 11.7% poverty rate.
- The typical Bay County home is worth about $161,344 against a ~$66,862 median income.
- Lending headwind in Bay County sits at 51/100 — 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 | 48604 | 29/100 |
| 2 | 48623 | 27/100 |
| 3 | 48757 | 23/100 |
| 4 | 48642 | 21/100 |
| 5 | 48708 | 17/100 |
| 6 | 48611 | 16/100 |
| 7 | 48631 | 16/100 |
| 8 | 48634 | 16/100 |
| 9 | 48652 | 16/100 |
| 10 | 48706 | 16/100 |
| 11 | 48710 | 16/100 |
| 12 | 48732 | 16/100 |
Most distressed ZIP codes in Bay County (composite distress 0-100, 2026)
What is driving Bay County distress
Nothing here is estimated: Bay County is scored from filings alone, and its ZIPs average 17/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Bay County market phase and pricing
Bay County reads expansion — home prices rose 5.1% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Bay County
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Frequently asked
What is the hardest-hit ZIP in Bay County?
ZIP 48604 leads Bay County at 29/100, recomputed monthly from public records.
Is Bay County expanding or contracting?
Phase for Bay County: expansion, tracking a 5.1% gain year over year, read off the FHFA index.
Where does the Bay County data come from?
Each Bay County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 17 local ZIPs and every other county in the country.
How much do distress scores vary between Bay County ZIP codes?
The county figure is a blend, not a description. Across the Bay County ZIPs DLRadar ranks, scores run from 29/100 in 48604 down to 16/100 in 48732, against a Bay County average of 17/100. The 13-point range is the argument for ZIP-level search across Bay County.
What do Bay County home values and vacancy say about distressed supply?
The typical Bay County home carries about $161,344 of value against a median household income near $66,862. Vacancy across Bay County's tracked ZIPs runs 8.9% and the poverty rate is 11.7%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Bay County's foreclosure and tax-lien filings and its 51/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.