Bay County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Bay County, MI distress report, 2026: 17 ZIPs scored in Bay, MI, Bay, MI average 17/100; the top Bay, MI ZIP is 48604 at 29/100; Bay, MI market phase expansion, Bay, MI prices +5.1% year over year.
- Bay, MI ranks #2,279 nationally (opportunity index); Bay, MI #69 in Michigan; Bay, MI index 26.8.
- Bay, MI: no CFPB county sample; Bay, MI non-metro area reading 1.0%.
- Bay, MI ZIP phases: 13 expansion, 3 peak, 1 neutral.
- Bay, MI residential listings tracked: 31 across 10 ZIPs; Bay, MI candidate listings 14.
- Bay, MI HUD assisted properties: 6 with 796 units.
- Bay, MI lenders on watch: 4; largest Bay, MI footprint Independent Bank (5 branches).
- Bay, MI most distressed ZIP: 48604 at 29/100.
Bay, MI figures: DLRadar distress index; Bay, MI inputs: CFPB, FHFA, HUD, FDIC; Bay, MI rebuilt as sources refresh.
| Rank | Bay, MI ZIP | Score |
|---|---|---|
| 1 | 48604 | 29/100 |
| 2 | 48623 | 28/100 |
| 3 | 48757 | 24/100 |
| 4 | 48642 | 22/100 |
| 5 | 48708 | 18/100 |
| 6 | 48747 | 17/100 |
| 7 | 48611 | 16/100 |
| 8 | 48631 | 16/100 |
| 9 | 48634 | 16/100 |
| 10 | 48650 | 16/100 |
| 11 | 48652 | 16/100 |
| 12 | 48706 | 16/100 |
Most distressed Bay, MI ZIPs (0-100, 2026)
Mortgage delinquency around Bay, MI
No CFPB county sample covers Bay, MI; the non-metro area reading for Bay, MI: 1.0% ninety-plus; Bay, MI area thirty-to-eighty-nine 2.6% (December 2025, Bay, MI); Michigan overall 0.9%.
Opportunity index: Bay, MI
Bay, MI index 26.8, Bay, MI phase weak; Bay, MI primary driver bank institutional, Bay, MI second driver construction. Bay, MI components: property stress 11.2, foreclosure pressure 8.4, listing discounts 34.2, bank stress 59.8, insurance 0.0; Bay, MI pulse 28.7; Bay, MI capital opportunity 24.0; Bay, MI seven-day change +0.2%.
ZIP market phases inside Bay, MI
17 Bay, MI ZIPs carry a price-cycle phase; Bay, MI ZIPs by phase (Bay, MI), deepest drawdown first: peak, +3.8% YoY, 0.7% off peak (Bay, MI): 48642; expansion, +5.1% YoY, 0.3% off peak (Bay, MI): 48611, 48631, 48634, 48706, Bay, MI 48710, 48732, 48747, 48650; expansion, +5.0% YoY, 0.3% off peak (Bay, MI): 48708; peak, +5.0% YoY, 0.2% off peak (Bay, MI): 48652; peak, +4.1% YoY, 0.2% off peak (Bay, MI): 48623; expansion, +5.3% YoY, 0.2% off peak (Bay, MI): 48613; expansion, +5.4% YoY, 0.0% off peak (Bay, MI): 48658; neutral, +4.1% YoY, 0.0% off peak (Bay, MI): 48604; expansion, +5.1% YoY, 0.0% off peak (Bay, MI): 48757.
Residential listings by Bay, MI ZIP
Bay, MI ZIPs with the most tracked Bay, MI residential listings: 48708 14 listings, 9 candidates, bank pressure 63; 48706 7 listings, 1 candidates, bank pressure 63; 48611 3 listings, 2 candidates, bank pressure 63; 48747 3 listings, 2 candidates, bank pressure 63 (Bay, MI); 48650 2 listings, 0 candidates, bank pressure 64; 48732 2 listings, 0 candidates, bank pressure 63; 48613 0 listings, 0 candidates, bank pressure 63; 48631 0 listings, 0 candidates, bank pressure 63. Bay, MI totals: 31 listings; Bay, MI candidates 14; active ZIPs 6.
HUD assisted housing in Bay, MI
6 assisted properties with 796 units sit in Bay, MI; largest Bay, MI properties: East Bay Viillage (Essexville) 208 units; Bradley House (Bay City) 180 units, 179 assisted; Maplewood Manor-Bay City (Bay City) 158 units, 158 assisted in Bay, MI; Eagle Ridge Villas (Essexville) 150 units; Village Of Hampton Meadows (Bay City) 51 units, 50 assisted; Bramblewood Cooperative 1 (Bay City) 49 units, 49 assisted.
Lenders with branches in Bay, MI
Bay, MI lenders by branch count: Independent Bank (Bay, MI): stress 67, 5 branches low in Bay, MI; 1st State Bank (Bay, MI): stress 57, 2 branches low in Bay, MI; Isabella Bank (Bay, MI): stress 73, 1 branch low in Bay, MI; Thumb Bank&Trust (Bay, MI): stress 59, 1 branch low in Bay, MI.
Vacancy and permits, Bay, MI
3,556 of 48,659 Bay, MI housing units are vacant; Bay, MI permits, twelve months: 5 multifamily units in Bay, MI, 37 one-to-four unit units.
Work Bay, MI at the parcel level
Every Bay, MI parcel carries owner and address; every Bay, MI parcel carries APN; Bay, MI distress scores sit on the Bay, MI live board.
Bay, MI figures refresh with each source.
Bay, MI questions
Most distressed ZIP code in Bay County, MI?
ZIP 48604 leads Bay, MI at 29/100; next in Bay, MI: 48623 at 28/100; the Bay, MI average is 17/100.
Where does Bay County, MI rank for investment opportunity?
Bay, MI is #2,279 among all ranked counties, #69 in Michigan; the Bay, MI driver is bank institutional; Bay, MI moved up 298 places.
How many mortgages are delinquent in Bay County, MI?
Bay, MI takes the non-metro area reading of 1.0% for December 2025; no CFPB county sample covers Bay, MI.
Which banks lend in Bay County, MI?
4 watched lenders hold Bay, MI branches; the largest Bay, MI footprints are Independent Bank (5), 1st State Bank (2), Isabella Bank (1).
More on Bay, MI
Bay County, MI distress report: public-record figures for Bay, MI; not legal advice for Bay, MI; not tax or investment advice; verify every Bay, MI record before acting.