Calhoun County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Calhoun County, MI distress report, 2026: 22 ZIPs scored in Calhoun, MI, Calhoun, MI average 22/100; the top Calhoun, MI ZIP is 49012 at 29/100; Calhoun, MI market phase expansion, Calhoun, MI prices +8.7% year over year.
- Calhoun, MI ranks #1,104 nationally (opportunity index); Calhoun, MI #37 in Michigan; Calhoun, MI index 30.8.
- Calhoun, MI ninety-day mortgage delinquency 1.2% in December 2025; Calhoun, MI twelve-month change +0.3%.
- Calhoun, MI ZIP phases: 17 expansion, 4 peak, 1 neutral.
- Calhoun, MI residential listings tracked: 22 across 12 ZIPs; Calhoun, MI candidate listings 8.
- Calhoun, MI HUD assisted properties: 6 with 545 units.
- Calhoun, MI lenders on watch: 5; largest Calhoun, MI footprint Southern Michigan Bank&Trust (3 branches).
- Calhoun, MI most distressed ZIP: 49012 at 29/100.
Calhoun, MI figures: DLRadar distress index; Calhoun, MI inputs: CFPB, FHFA, HUD, FDIC; Calhoun, MI rebuilt as sources refresh.
| Rank | Calhoun, MI ZIP | Score |
|---|---|---|
| 1 | 49012 | 29/100 |
| 2 | 49034 | 28/100 |
| 3 | 49052 | 28/100 |
| 4 | 49021 | 23/100 |
| 5 | 48813 | 22/100 |
| 6 | 49014 | 22/100 |
| 7 | 49015 | 22/100 |
| 8 | 49017 | 22/100 |
| 9 | 49029 | 22/100 |
| 10 | 49033 | 22/100 |
| 11 | 49037 | 22/100 |
| 12 | 49051 | 22/100 |
Most distressed Calhoun, MI ZIPs (0-100, 2026)
Mortgage delinquency in Calhoun, MI
1.2% of Calhoun, MI mortgages were ninety-plus days late (Calhoun, MI, December 2025); Calhoun, MI thirty-to-eighty-nine days late: 3.4%; Calhoun, MI twelve-month change +0.3%; Calhoun, MI peak since 2008: 4.8% (November 2009); Michigan overall 0.9%. Calhoun, MI ninety-day series: Dec 24 0.9, Jan 25 1.1, Feb 25 0.8 (Calhoun, MI), Mar 25 0.9, Apr 25 0.6, May 25 0.9 (Calhoun, MI), Jun 25 0.6, Jul 25 0.3, Aug 25 0.5 (Calhoun, MI), Sep 25 0.2, Oct 25 0.5, Nov 25 1.0 (Calhoun, MI), Dec 25 1.2.
Opportunity index: Calhoun, MI
Calhoun, MI index 30.8, Calhoun, MI phase watchlist; Calhoun, MI primary driver construction, Calhoun, MI second driver bank institutional. Calhoun, MI components: property stress 18.5, foreclosure pressure 13.5, listing discounts 35.0, bank stress 61.1, insurance 0.0; Calhoun, MI pulse 34.3; Calhoun, MI capital opportunity 25.5.
ZIP market phases inside Calhoun, MI
22 Calhoun, MI ZIPs carry a price-cycle phase; Calhoun, MI ZIPs by phase (Calhoun, MI), deepest drawdown first: peak, +0.7% YoY, 0.5% off peak (Calhoun, MI): 49012; peak, +2.2% YoY, 0.4% off peak (Calhoun, MI): 49034; peak, +2.4% YoY, 0.4% off peak (Calhoun, MI): 49052; expansion, +8.7% YoY, 0.0% off peak (Calhoun, MI): 49015; neutral, +4.7% YoY (Calhoun, MI): 48813; expansion, +8.2% YoY (Calhoun, MI): 49011; expansion, +8.7% YoY (Calhoun, MI): 49014, 49029, 49033, 49037, Calhoun, MI 49051, 49068; expansion, +7.6% YoY (Calhoun, MI): 49017; expansion, +5.0% YoY (Calhoun, MI): 49021; expansion, +6.5% YoY (Calhoun, MI): 49076; expansion, +7.4% YoY (Calhoun, MI): 49092.
Residential listings by Calhoun, MI ZIP
Calhoun, MI ZIPs with the most tracked Calhoun, MI residential listings: 49037 5 listings, 1 candidates, bank pressure 72; 49014 4 listings, 3 candidates, bank pressure 72; 49224 4 listings, 2 candidates, bank pressure 70; 49017 3 listings, 0 candidates, bank pressure 72 (Calhoun, MI); 49015 2 listings, 0 candidates, bank pressure 68; 49029 2 listings, 1 candidates, bank pressure 72; 49051 1 listings, 1 candidates, bank pressure 72; 49092 1 listings, 0 candidates, bank pressure 71. Calhoun, MI totals: 22 listings; Calhoun, MI candidates 8; active ZIPs 8.
HUD assisted housing in Calhoun, MI
6 assisted properties with 545 units sit in Calhoun, MI; largest Calhoun, MI properties: Bent Tree (Battle Creek) 164 units, 164 assisted; Teal Run I (Battle Creek) 150 units; Oak Meadows (Albion) 100 units in Calhoun, MI; Teal Run Ii (Battle Creek) 76 units; Village Of Mill Creek (Battle Creek) 45 units, 44 assisted; Meadows(The) (Battle Creek) 10 units, 10 assisted.
Lenders with branches in Calhoun, MI
Calhoun, MI lenders by branch count: Southern Michigan Bank&Trust (Calhoun, MI): stress 76, 3 branches low in Calhoun, MI; Highpoint Community Bank (Calhoun, MI): stress 81, 1 branch low in Calhoun, MI; Homestead Savings Bank (Calhoun, MI): stress 78, 1 branch low in Calhoun, MI; Sturgis Bank&Trust Co (Calhoun, MI): stress 77, 1 branch low in Calhoun, MI; County National Bank (Calhoun, MI): stress 73, 1 branch low in Calhoun, MI.
Vacancy and permits, Calhoun, MI
6,269 of 59,602 Calhoun, MI housing units are vacant; Calhoun, MI permits, twelve months: 0 multifamily units in Calhoun, MI, 114 one-to-four unit units.
Work Calhoun, MI at the parcel level
Every Calhoun, MI parcel carries owner and address; every Calhoun, MI parcel carries APN; Calhoun, MI distress scores sit on the Calhoun, MI live board.
Calhoun, MI figures refresh with each source.
Calhoun, MI questions
Most distressed ZIP code in Calhoun County, MI?
ZIP 49012 leads Calhoun, MI at 29/100; next in Calhoun, MI: 49034 at 28/100; the Calhoun, MI average is 22/100.
Where does Calhoun County, MI rank for investment opportunity?
Calhoun, MI is #1,104 among all ranked counties, #37 in Michigan; the Calhoun, MI driver is construction; Calhoun, MI moved up 178 places.
How many mortgages are delinquent in Calhoun County, MI?
1.2% of Calhoun, MI mortgages were ninety-plus days late in December 2025; the Calhoun, MI peak since 2008 was 4.8%.
Which banks lend in Calhoun County, MI?
5 watched lenders hold Calhoun, MI branches; the largest Calhoun, MI footprints are Southern Michigan Bank&Trust (3), Highpoint Community Bank (1), Homestead Savings Bank (1).
More on Calhoun, MI
Calhoun County, MI distress report: public-record figures for Calhoun, MI; not legal advice for Calhoun, MI; not tax or investment advice; verify every Calhoun, MI record before acting.