Charlevoix County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Charlevoix County, Michigan? DLRadar grades every Charlevoix County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 17/100. Here is the 2026 Charlevoix County breakdown.
- Charlevoix County's most distressed ZIP is 49770 at 17/100.
- 10 ZIP codes tracked in Charlevoix County, averaging 15/100 distress.
- Charlevoix County reads expansion — home values up 5.5% year over year.
- Vacancy runs 35.2% across Charlevoix County's tracked ZIPs, with a 8.7% poverty rate.
- The typical Charlevoix County home is worth about $267,370 against a ~$76,208 median income.
- Lending headwind in Charlevoix County sits at 31/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 49770 | 17/100 |
| 2 | 49712 | 15/100 |
| 3 | 49713 | 15/100 |
| 4 | 49720 | 15/100 |
| 5 | 49727 | 15/100 |
| 6 | 49729 | 15/100 |
| 7 | 49782 | 15/100 |
| 8 | 49796 | 15/100 |
| 9 | 49730 | 13/100 |
| 10 | 49795 | 10/100 |
Most distressed ZIP codes in Charlevoix County (composite distress 0-100, 2026)
What is driving Charlevoix County distress
The Charlevoix County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 15/100 ZIP average. No proprietary or modelled inputs enter the score.
Charlevoix County market phase and pricing
DLRadar places Charlevoix County in expansion; prices moved up 5.5% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Charlevoix County
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Frequently asked
Which ZIP code leads Charlevoix County on distress?
ZIP 49770 leads Charlevoix County at 17/100, recomputed monthly from public records.
Where is Charlevoix County in the housing cycle?
The market phase for Charlevoix County is expansion, prices rising 5.5% on the year — derived from the FHFA House Price Index path.
What are the sources behind these Charlevoix County numbers?
Every Charlevoix 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 10 Charlevoix County ZIP codes that it runs on every other U.S. county, so Charlevoix County's numbers are directly comparable to any other market.
How much do distress scores vary between Charlevoix County ZIP codes?
Averaging the county conceals how uneven it is. Across the Charlevoix County ZIPs DLRadar ranks, scores run from 17/100 in 49770 down to 10/100 in 49795, against a Charlevoix County average of 15/100. Because the gap runs to 7 points, Charlevoix County rewards ZIP-level precision.
What do Charlevoix County home values and vacancy say about distressed supply?
The typical Charlevoix County home carries about $267,370 of value against a median household income near $76,208. Vacancy across Charlevoix County's tracked ZIPs runs 35.2% and the poverty rate is 8.7%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Charlevoix County's foreclosure and tax-lien filings and its 31/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.