Cheboygan County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Cheboygan County, MI distress report, 2026: 15 ZIPs scored in Cheboygan, MI, Cheboygan, MI average 22/100; the top Cheboygan, MI ZIP is 49705 at 25/100; Cheboygan, MI market phase expansion, Cheboygan, MI prices +5.5% year over year.
- Cheboygan, MI ranks #239 nationally (opportunity index); Cheboygan, MI #11 in Michigan; Cheboygan, MI index 35.4.
- Cheboygan, MI: no CFPB county sample; Cheboygan, MI non-metro area reading 1.0%.
- Cheboygan, MI ZIP phases: 8 expansion, 7 peak.
- Cheboygan, MI residential listings tracked: 12 across 6 ZIPs; Cheboygan, MI candidate listings 7.
- Cheboygan, MI HUD assisted properties: 1 with 24 units.
- Cheboygan, MI lenders on watch: 2; largest Cheboygan, MI footprint Citizens Nb Of Cheboygan (5 branches).
- Cheboygan, MI most distressed ZIP: 49705 at 25/100.
Cheboygan, MI figures: DLRadar distress index; Cheboygan, MI inputs: CFPB, FHFA, HUD, FDIC; Cheboygan, MI rebuilt as sources refresh.
| Rank | Cheboygan, MI ZIP | Score |
|---|---|---|
| 1 | 49705 | 25/100 |
| 2 | 49717 | 25/100 |
| 3 | 49721 | 25/100 |
| 4 | 49749 | 25/100 |
| 5 | 49791 | 25/100 |
| 6 | 49799 | 25/100 |
| 7 | 49701 | 23/100 |
| 8 | 49706 | 22/100 |
| 9 | 49716 | 22/100 |
| 10 | 49755 | 22/100 |
| 11 | 49718 | 21/100 |
| 12 | 49769 | 21/100 |
Most distressed Cheboygan, MI ZIPs (0-100, 2026)
Mortgage delinquency around Cheboygan, MI
No CFPB county sample covers Cheboygan, MI; the non-metro area reading for Cheboygan, MI: 1.0% ninety-plus; Cheboygan, MI area thirty-to-eighty-nine 2.6% (December 2025, Cheboygan, MI); Michigan overall 0.9%.
Opportunity index: Cheboygan, MI
Cheboygan, MI index 35.4, Cheboygan, MI phase peak_opportunity; Cheboygan, MI primary driver vacancy, Cheboygan, MI second driver bank institutional. Cheboygan, MI components: property stress 26.6, foreclosure pressure 26.2, listing discounts 36.3, bank stress 63.7, insurance 0.0; Cheboygan, MI pulse 40.9; Cheboygan, MI capital opportunity 27.1; Cheboygan, MI seven-day change -0.1%.
ZIP market phases inside Cheboygan, MI
15 Cheboygan, MI ZIPs carry a price-cycle phase; Cheboygan, MI ZIPs by phase (Cheboygan, MI), deepest drawdown first: peak, +4.8% YoY (Cheboygan, MI): 49701; expansion, +5.5% YoY (Cheboygan, MI): 49705, 49717, 49721, 49749, Cheboygan, MI 49765, 49791, 49795, 49799; peak, +4.6% YoY (Cheboygan, MI): 49706, 49716, 49755; peak, +4.4% YoY (Cheboygan, MI): 49718, 49769; peak, +4.3% YoY (Cheboygan, MI): 49770.
Residential listings by Cheboygan, MI ZIP
Cheboygan, MI ZIPs with the most tracked Cheboygan, MI residential listings: 49721 5 listings, 3 candidates, bank pressure 63; 49749 4 listings, 2 candidates, bank pressure 63; 49799 3 listings, 2 candidates, bank pressure 63; 49705 0 listings, 0 candidates, bank pressure 63 (Cheboygan, MI); 49717 0 listings, 0 candidates, bank pressure 63; 49791 0 listings, 0 candidates, bank pressure 63. Cheboygan, MI totals: 12 listings; Cheboygan, MI candidates 7; active ZIPs 0.
HUD assisted housing in Cheboygan, MI
1 assisted properties with 24 units sit in Cheboygan, MI; largest Cheboygan, MI properties: Grebe Village (Cheboygan) 24 units, 24 assisted.
Lenders with branches in Cheboygan, MI
Cheboygan, MI lenders by branch count: Citizens Nb Of Cheboygan (Cheboygan, MI): stress 87, 5 branches low in Cheboygan, MI; First Community Bank (Cheboygan, MI): stress 53, 1 branch moderate in Cheboygan, MI.
Vacancy and permits, Cheboygan, MI
6,629 of 17,788 Cheboygan, MI housing units are vacant; Cheboygan, MI permits, twelve months: 0 multifamily units in Cheboygan, MI, 78 one-to-four unit units.
Work Cheboygan, MI at the parcel level
Every Cheboygan, MI parcel carries owner and address; every Cheboygan, MI parcel carries APN; Cheboygan, MI distress scores sit on the Cheboygan, MI live board.
Cheboygan, MI figures refresh with each source.
Cheboygan, MI questions
Most distressed ZIP code in Cheboygan County, MI?
ZIP 49705 leads Cheboygan, MI at 25/100; next in Cheboygan, MI: 49717 at 25/100; the Cheboygan, MI average is 22/100.
Where does Cheboygan County, MI rank for investment opportunity?
Cheboygan, MI is #239 among all ranked counties, #11 in Michigan; the Cheboygan, MI driver is vacancy; Cheboygan, MI moved down 42 places.
How many mortgages are delinquent in Cheboygan County, MI?
Cheboygan, MI takes the non-metro area reading of 1.0% for December 2025; no CFPB county sample covers Cheboygan, MI.
Which banks lend in Cheboygan County, MI?
2 watched lenders hold Cheboygan, MI branches; the largest Cheboygan, MI footprints are Citizens Nb Of Cheboygan (5), First Community Bank (1).
More on Cheboygan, MI
Cheboygan County, MI distress report: public-record figures for Cheboygan, MI; not legal advice for Cheboygan, MI; not tax or investment advice; verify every Cheboygan, MI record before acting.