Berrien County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Berrien County, MI distress report, 2026: 24 ZIPs scored in Berrien, MI, Berrien, MI average 23/100; the top Berrien, MI ZIP is 49022 at 23/100; Berrien, MI market phase expansion, Berrien, MI prices +7.0% year over year.
- Berrien, MI ranks #2,080 nationally (opportunity index); Berrien, MI #61 in Michigan; Berrien, MI index 27.4.
- Berrien, MI ninety-day mortgage delinquency 0.5% in December 2025; Berrien, MI twelve-month change -0.6%.
- Berrien, MI ZIP phases: 24 expansion.
- Berrien, MI residential listings tracked: 8 across 23 ZIPs; Berrien, MI candidate listings 3.
- Berrien, MI HUD assisted properties: 10 with 810 units.
- Berrien, MI lenders on watch: 1; largest Berrien, MI footprint Sturgis Bank&Trust Co (3 branches).
- Berrien, MI most distressed ZIP: 49022 at 23/100.
Berrien, MI figures: DLRadar distress index; Berrien, MI inputs: CFPB, FHFA, HUD, FDIC; Berrien, MI rebuilt as sources refresh.
| Rank | Berrien, MI ZIP | Score |
|---|---|---|
| 1 | 49022 | 23/100 |
| 2 | 49084 | 23/100 |
| 3 | 49085 | 23/100 |
| 4 | 49101 | 23/100 |
| 5 | 49102 | 23/100 |
| 6 | 49103 | 23/100 |
| 7 | 49104 | 23/100 |
| 8 | 49106 | 23/100 |
| 9 | 49107 | 23/100 |
| 10 | 49111 | 23/100 |
| 11 | 49113 | 23/100 |
| 12 | 49115 | 23/100 |
Most distressed Berrien, MI ZIPs (0-100, 2026)
Mortgage delinquency in Berrien, MI
0.5% of Berrien, MI mortgages were ninety-plus days late (Berrien, MI, December 2025); Berrien, MI thirty-to-eighty-nine days late: 2.0%; Berrien, MI twelve-month change -0.6%; Berrien, MI peak since 2008: 4.3% (February 2010); Michigan overall 0.9%. Berrien, MI ninety-day series: Dec 24 1.1, Jan 25 1.0, Feb 25 1.0 (Berrien, MI), Mar 25 0.8, Apr 25 0.5, May 25 0.4 (Berrien, MI), Jun 25 0.4, Jul 25 0.3, Aug 25 0.5 (Berrien, MI), Sep 25 0.3, Oct 25 0.5, Nov 25 0.5 (Berrien, MI), Dec 25 0.5.
Opportunity index: Berrien, MI
Berrien, MI index 27.4, Berrien, MI phase weak; Berrien, MI primary driver vacancy, Berrien, MI second driver construction. Berrien, MI components: property stress 19.6, foreclosure pressure 18.2, listing discounts 14.8, bank stress 53.1, insurance 0.0; Berrien, MI pulse 32.8; Berrien, MI capital opportunity 19.2; Berrien, MI seven-day change +0.1%.
ZIP market phases inside Berrien, MI
24 Berrien, MI ZIPs carry a price-cycle phase; Berrien, MI ZIPs by phase (Berrien, MI), deepest drawdown first: expansion, +6.9% YoY (Berrien, MI): 49022, 49102, 49111; expansion, +6.8% YoY (Berrien, MI): 49038; expansion, +6.1% YoY (Berrien, MI): 49047; expansion, +7.0% YoY (Berrien, MI): 49084, 49085, 49101, 49103, Berrien, MI 49104, 49106, 49107, 49113, Berrien, MI 49115, 49116; expansion, +6.6% YoY (Berrien, MI): 49098.
Residential listings by Berrien, MI ZIP
Berrien, MI ZIPs with the most tracked Berrien, MI residential listings: 49022 3 listings, 2 candidates, bank pressure 64; 49103 2 listings, 1 candidates, bank pressure 62; 49085 1 listings, 0 candidates, bank pressure 62; 49120 1 listings, 0 candidates, bank pressure 62 (Berrien, MI); 49129 1 listings, 0 candidates, bank pressure 62; 49038 0 listings, 0 candidates, bank pressure 64; 49084 0 listings, 0 candidates, bank pressure 62; 49098 0 listings, 0 candidates, bank pressure 64. Berrien, MI totals: 8 listings; Berrien, MI candidates 3; active ZIPs 3.
HUD assisted housing in Berrien, MI
10 assisted properties with 810 units sit in Berrien, MI; largest Berrien, MI properties: Berrien Homes (Benton Harbor) 160 units, 160 assisted; Benton Manor Cooperative I (Benton Harbor) 150 units, 150 assisted; Berrien Woods Iii (Niles) 128 units in Berrien, MI; Berrien Woods I (Niles) 72 units; Berrien Woods Ii (Niles) 56 units; Briar Crest I (Niles) 53 units, 53 assisted.
Lenders with branches in Berrien, MI
Berrien, MI lenders by branch count: Sturgis Bank&Trust Co (Berrien, MI): stress 77, 3 branches low in Berrien, MI.
Vacancy and permits, Berrien, MI
13,277 of 77,276 Berrien, MI housing units are vacant; Berrien, MI permits, twelve months: 10 multifamily units in Berrien, MI, 327 one-to-four unit units.
Work Berrien, MI at the parcel level
Every Berrien, MI parcel carries owner and address; every Berrien, MI parcel carries APN; Berrien, MI distress scores sit on the Berrien, MI live board.
Berrien, MI figures refresh with each source.
Berrien, MI questions
Most distressed ZIP code in Berrien County, MI?
ZIP 49022 leads Berrien, MI at 23/100; next in Berrien, MI: 49084 at 23/100; the Berrien, MI average is 23/100.
Where does Berrien County, MI rank for investment opportunity?
Berrien, MI is #2,080 among all ranked counties, #61 in Michigan; the Berrien, MI driver is vacancy; Berrien, MI moved down 429 places.
How many mortgages are delinquent in Berrien County, MI?
0.5% of Berrien, MI mortgages were ninety-plus days late in December 2025; the Berrien, MI peak since 2008 was 4.3%.
Which banks lend in Berrien County, MI?
1 watched lenders hold Berrien, MI branches; the largest Berrien, MI footprints are Sturgis Bank&Trust Co (3).
More on Berrien, MI
Berrien County, MI distress report: public-record figures for Berrien, MI; not legal advice for Berrien, MI; not tax or investment advice; verify every Berrien, MI record before acting.