Clare County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Clare County, Michigan? DLRadar grades every Clare County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 18/100. Here is the 2026 Clare County breakdown.
- Clare County's most distressed ZIP is 49665 at 18/100.
- 8 ZIP codes tracked in Clare County, averaging 14/100 distress.
- Clare County reads expansion — home values up 5.5% year over year.
- Vacancy runs 40% across Clare County's tracked ZIPs, with a 16.9% poverty rate.
- The typical Clare County home is worth about $150,363 against a ~$53,092 median income.
- Lending headwind in Clare County sits at 62/100 — 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 | 49665 | 18/100 |
| 2 | 48625 | 14/100 |
| 3 | 48633 | 14/100 |
| 4 | 48617 | 13/100 |
| 5 | 48622 | 13/100 |
| 6 | 48632 | 13/100 |
| 7 | 48624 | 12/100 |
| 8 | 48612 | 11/100 |
Most distressed ZIP codes in Clare County (composite distress 0-100, 2026)
What is driving Clare County distress
The Clare County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 14/100 ZIP average. No proprietary or modelled inputs enter the score.
Clare County market phase and pricing
Phase for Clare County: expansion (+5.5% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Clare County
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Common questions
Where is distress highest inside Clare County, MI?
ZIP 49665 leads Clare County at 18/100, recomputed monthly from public records.
Where is Clare County in the housing cycle?
Clare County is classified expansion with a 5.5% year-over-year increase, following the FHFA House Price Index.
How is the Clare County data sourced?
Clare 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 8 ZIPs are comparable to anywhere else.
How much do distress scores vary between Clare County ZIP codes?
The county figure is a blend, not a description. Across the Clare County ZIPs DLRadar ranks, scores run from 18/100 in 49665 down to 11/100 in 48612, against a Clare County average of 14/100. That 7-point gap is why acquisition targeting in Clare County works at ZIP level rather than county level.
What do Clare County home values and vacancy say about distressed supply?
The typical Clare County home carries about $150,363 of value against a median household income near $53,092. Vacancy across Clare County's tracked ZIPs runs 40% and the poverty rate is 16.9%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Clare County's foreclosure and tax-lien filings and its 62/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.