Charlevoix County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Charlevoix County, MI distress report, 2026: 10 ZIPs scored in Charlevoix, MI, Charlevoix, MI average 19/100; the top Charlevoix, MI ZIP is 49770 at 21/100; Charlevoix, MI market phase expansion, Charlevoix, MI prices +5.5% year over year.
- Charlevoix, MI ranks #654 nationally (opportunity index); Charlevoix, MI #27 in Michigan; Charlevoix, MI index 32.6.
- Charlevoix, MI: no CFPB county sample; Charlevoix, MI non-metro area reading 1.0%.
- Charlevoix, MI ZIP phases: 9 expansion, 1 peak.
- Charlevoix, MI residential listings tracked: 5 across 5 ZIPs; Charlevoix, MI candidate listings 2.
- Charlevoix, MI HUD assisted properties: 1 with 10 units.
- Charlevoix, MI lenders on watch: 1; largest Charlevoix, MI footprint Charlevoix State Bank (6 branches).
- Charlevoix, MI most distressed ZIP: 49770 at 21/100.
Charlevoix, MI figures: DLRadar distress index; Charlevoix, MI inputs: CFPB, FHFA, HUD, FDIC; Charlevoix, MI rebuilt as sources refresh.
| Rank | Charlevoix, MI ZIP | Score |
|---|---|---|
| 1 | 49770 | 21/100 |
| 2 | 49712 | 20/100 |
| 3 | 49713 | 20/100 |
| 4 | 49720 | 20/100 |
| 5 | 49782 | 20/100 |
| 6 | 49796 | 20/100 |
| 7 | 49727 | 19/100 |
| 8 | 49729 | 19/100 |
| 9 | 49730 | 17/100 |
| 10 | 49795 | 10/100 |
Most distressed Charlevoix, MI ZIPs (0-100, 2026)
Mortgage delinquency around Charlevoix, MI
No CFPB county sample covers Charlevoix, MI; the non-metro area reading for Charlevoix, MI: 1.0% ninety-plus; Charlevoix, MI area thirty-to-eighty-nine 2.6% (December 2025, Charlevoix, MI); Michigan overall 0.9%.
Opportunity index: Charlevoix, MI
Charlevoix, MI index 32.6, Charlevoix, MI phase early_signal; Charlevoix, MI primary driver vacancy, Charlevoix, MI second driver bank institutional. Charlevoix, MI components: property stress 25.0, foreclosure pressure 25.1, listing discounts 26.4, bank stress 52.3, insurance 0.0; Charlevoix, MI pulse 37.6; Charlevoix, MI capital opportunity 25.1; Charlevoix, MI seven-day change +0.3%.
ZIP market phases inside Charlevoix, MI
10 Charlevoix, MI ZIPs carry a price-cycle phase; Charlevoix, MI ZIPs by phase (Charlevoix, MI), deepest drawdown first: expansion, +5.5% YoY (Charlevoix, MI): 49712, 49720, 49727, 49729, Charlevoix, MI 49730, 49782, 49795, 49796; expansion, +5.4% YoY (Charlevoix, MI): 49713; peak, +4.3% YoY (Charlevoix, MI): 49770.
Residential listings by Charlevoix, MI ZIP
Charlevoix, MI ZIPs with the most tracked Charlevoix, MI residential listings: 49720 4 listings, 2 candidates, bank pressure 55; 49713 1 listings, 0 candidates, bank pressure 58; 49712 0 listings, 0 candidates, bank pressure 55; 49782 0 listings, 0 candidates, bank pressure 55 (Charlevoix, MI); 49796 0 listings, 0 candidates, bank pressure 55. Charlevoix, MI totals: 5 listings; Charlevoix, MI candidates 2; active ZIPs 1.
HUD assisted housing in Charlevoix, MI
1 assisted properties with 10 units sit in Charlevoix, MI; largest Charlevoix, MI properties: Meredith Manor (East Jordan) 10 units, 10 assisted.
Lenders with branches in Charlevoix, MI
Charlevoix, MI lenders by branch count: Charlevoix State Bank (Charlevoix, MI): stress 45, 6 branches low in Charlevoix, MI.
Vacancy and permits, Charlevoix, MI
5,373 of 17,640 Charlevoix, MI housing units are vacant; Charlevoix, MI permits, twelve months: 0 multifamily units in Charlevoix, MI, 111 one-to-four unit units.
Work Charlevoix, MI at the parcel level
Every Charlevoix, MI parcel carries owner and address; every Charlevoix, MI parcel carries APN; Charlevoix, MI distress scores sit on the Charlevoix, MI live board.
Charlevoix, MI figures refresh with each source.
Charlevoix, MI questions
Most distressed ZIP code in Charlevoix County, MI?
ZIP 49770 leads Charlevoix, MI at 21/100; next in Charlevoix, MI: 49712 at 20/100; the Charlevoix, MI average is 19/100.
Where does Charlevoix County, MI rank for investment opportunity?
Charlevoix, MI is #654 among all ranked counties, #27 in Michigan; the Charlevoix, MI driver is vacancy; Charlevoix, MI moved down 63 places.
How many mortgages are delinquent in Charlevoix County, MI?
Charlevoix, MI takes the non-metro area reading of 1.0% for December 2025; no CFPB county sample covers Charlevoix, MI.
Which banks lend in Charlevoix County, MI?
1 watched lenders hold Charlevoix, MI branches; the largest Charlevoix, MI footprints are Charlevoix State Bank (6).
More on Charlevoix, MI
Charlevoix County, MI distress report: public-record figures for Charlevoix, MI; not legal advice for Charlevoix, MI; not tax or investment advice; verify every Charlevoix, MI record before acting.