Berrien County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Berrien County, Michigan? DLRadar grades every Berrien County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 21/100. Here is the 2026 Berrien County breakdown.
- Berrien County's most distressed ZIP is 49022 at 21/100.
- 24 ZIP codes tracked in Berrien County, averaging 21/100 distress.
- Berrien County reads expansion — home values up 7.0% year over year.
- Vacancy runs 27% across Berrien County's tracked ZIPs, with a 10.2% poverty rate.
- The typical Berrien County home is worth about $253,286 against a ~$66,691 median income.
- Lending headwind in Berrien County sits at 51/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 49022 | 21/100 |
| 2 | 49038 | 21/100 |
| 3 | 49084 | 21/100 |
| 4 | 49085 | 21/100 |
| 5 | 49098 | 21/100 |
| 6 | 49101 | 21/100 |
| 7 | 49102 | 21/100 |
| 8 | 49103 | 21/100 |
| 9 | 49104 | 21/100 |
| 10 | 49106 | 21/100 |
| 11 | 49107 | 21/100 |
| 12 | 49111 | 21/100 |
Most distressed ZIP codes in Berrien County (composite distress 0-100, 2026)
What is driving Berrien County distress
Nothing here is estimated: Berrien County is scored from filings alone, and its ZIPs average 21/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Berrien County market phase and pricing
Berrien County reads expansion — home prices rose 7.0% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Berrien County
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Common questions
Which ZIP code leads Berrien County on distress?
ZIP 49022 leads Berrien County at 21/100, recomputed monthly from public records.
What market phase is Berrien County in?
FHFA price-index movement places Berrien County in expansion; prices are up 7.0% over twelve months.
How is the Berrien County data sourced?
Every Berrien County figure traces to a public source — FHFA House Price Index for the expansion trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 24 Berrien County ZIP codes that it runs on every other U.S. county, so Berrien County's numbers are directly comparable to any other market.
How much do distress scores vary between Berrien County ZIP codes?
The county figure is a blend, not a description. Across the Berrien County ZIPs DLRadar ranks, scores run from 21/100 in 49022 down to 21/100 in 49111, against a Berrien County average of 21/100. Because the gap runs to 0 points, Berrien County rewards ZIP-level precision.
What do Berrien County home values and vacancy say about distressed supply?
The typical Berrien County home carries about $253,286 of value against a median household income near $66,691. Vacancy across Berrien County's tracked ZIPs runs 27% and the poverty rate is 10.2%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Berrien County's foreclosure and tax-lien filings and its 51/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.