Cheboygan County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Cheboygan County, Michigan? DLRadar grades every Cheboygan County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 23/100. Here is the 2026 Cheboygan County breakdown.
- Cheboygan County's most distressed ZIP is 49705 at 23/100.
- 15 ZIP codes tracked in Cheboygan County, averaging 20/100 distress.
- Cheboygan County reads expansion — home values up 5.5% year over year.
- Vacancy runs 41.8% across Cheboygan County's tracked ZIPs, with a 13.3% poverty rate.
- The typical Cheboygan County home is worth about $211,136 against a ~$66,950 median income.
- Lending headwind in Cheboygan County sits at 79/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 49705 | 23/100 |
| 2 | 49717 | 23/100 |
| 3 | 49721 | 23/100 |
| 4 | 49749 | 23/100 |
| 5 | 49791 | 23/100 |
| 6 | 49799 | 23/100 |
| 7 | 49701 | 20/100 |
| 8 | 49706 | 19/100 |
| 9 | 49716 | 19/100 |
| 10 | 49755 | 19/100 |
| 11 | 49718 | 18/100 |
| 12 | 49765 | 18/100 |
Most distressed ZIP codes in Cheboygan County (composite distress 0-100, 2026)
What is driving Cheboygan County distress
The Cheboygan County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 20/100 ZIP average. No proprietary or modelled inputs enter the score.
Cheboygan County market phase and pricing
Cheboygan County reads expansion — home prices rose 5.5% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Cheboygan County
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Questions about this county
Where is distress highest inside Cheboygan County, MI?
ZIP 49705 leads Cheboygan County at 23/100, recomputed monthly from public records.
How would you describe the Cheboygan County market phase?
Cheboygan County is classified expansion with a 5.5% year-over-year increase, following the FHFA House Price Index.
Can the Cheboygan County figures be verified?
Cheboygan County draws on FHFA (expansion trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 15 ZIPs are comparable to anywhere else.
How much do distress scores vary between Cheboygan County ZIP codes?
Averaging the county conceals how uneven it is. Across the Cheboygan County ZIPs DLRadar ranks, scores run from 23/100 in 49705 down to 18/100 in 49765, against a Cheboygan County average of 20/100. That 5-point gap is why acquisition targeting in Cheboygan County works at ZIP level rather than county level.
What do Cheboygan County home values and vacancy say about distressed supply?
The typical Cheboygan County home carries about $211,136 of value against a median household income near $66,950. Vacancy across Cheboygan County's tracked ZIPs runs 41.8% and the poverty rate is 13.3%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Cheboygan County's foreclosure and lien data and its 79/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.