Delta County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Delta County, MI distress report, 2026: 13 ZIPs scored in Delta, MI, Delta, MI average 16/100; the top Delta, MI ZIP is 49818 at 22/100; Delta, MI market phase peak, Delta, MI prices +4.2% year over year.
- Delta, MI ranks #1,470 nationally (opportunity index); Delta, MI #48 in Michigan; Delta, MI index 29.5.
- Delta, MI: no CFPB county sample; Delta, MI non-metro area reading 1.0%.
- Delta, MI ZIP phases: 12 peak, 1 expansion.
- Delta, MI residential listings tracked: 8 across 10 ZIPs; Delta, MI candidate listings 2.
- Delta, MI HUD assisted properties: 1 with 75 units.
- Delta, MI lenders on watch: 3; largest Delta, MI footprint First Bank Upper Michigan (5 branches).
- Delta, MI most distressed ZIP: 49818 at 22/100.
Delta, MI figures: DLRadar distress index; Delta, MI inputs: CFPB, FHFA, HUD, FDIC; Delta, MI rebuilt as sources refresh.
| Rank | Delta, MI ZIP | Score |
|---|---|---|
| 1 | 49818 | 22/100 |
| 2 | 49880 | 22/100 |
| 3 | 49807 | 18/100 |
| 4 | 49829 | 17/100 |
| 5 | 49835 | 17/100 |
| 6 | 49837 | 17/100 |
| 7 | 49864 | 17/100 |
| 8 | 49872 | 17/100 |
| 9 | 49878 | 17/100 |
| 10 | 49894 | 17/100 |
| 11 | 49817 | 12/100 |
| 12 | 49895 | 12/100 |
Most distressed Delta, MI ZIPs (0-100, 2026)
Mortgage delinquency around Delta, MI
No CFPB county sample covers Delta, MI; the non-metro area reading for Delta, MI: 1.0% ninety-plus; Delta, MI area thirty-to-eighty-nine 2.6% (December 2025, Delta, MI); Michigan overall 0.9%.
Opportunity index: Delta, MI
Delta, MI index 29.5, Delta, MI phase early_signal; Delta, MI primary driver vacancy, Delta, MI second driver bank institutional. Delta, MI components: property stress 18.3, foreclosure pressure 19.1, listing discounts 30.4, bank stress 56.1, insurance 0.0; Delta, MI pulse 32.7; Delta, MI capital opportunity 24.6; Delta, MI seven-day change +0.1%.
ZIP market phases inside Delta, MI
13 Delta, MI ZIPs carry a price-cycle phase; Delta, MI ZIPs by phase (Delta, MI), deepest drawdown first: peak, +4.2% YoY (Delta, MI): 49807, 49818, 49829, 49835, Delta, MI 49837, 49864, 49872, 49880, Delta, MI 49894; peak, +4.7% YoY (Delta, MI): 49817; expansion, +5.4% YoY (Delta, MI): 49854; peak, +4.3% YoY (Delta, MI): 49878; peak, +4.9% YoY (Delta, MI): 49895.
Residential listings by Delta, MI ZIP
Delta, MI ZIPs with the most tracked Delta, MI residential listings: 49837 4 listings, 2 candidates, bank pressure 59; 49878 3 listings, 0 candidates, bank pressure 62; 49817 1 listings, 0 candidates, bank pressure 61; 49807 0 listings, 0 candidates, bank pressure 66 (Delta, MI); 49829 0 listings, 0 candidates, bank pressure 59; 49835 0 listings, 0 candidates, bank pressure 59; 49864 0 listings, 0 candidates, bank pressure 59; 49872 0 listings, 0 candidates, bank pressure 59. Delta, MI totals: 8 listings; Delta, MI candidates 2; active ZIPs 2.
HUD assisted housing in Delta, MI
1 assisted properties with 75 units sit in Delta, MI; largest Delta, MI properties: Sand Hill Townhomes (Escanaba) 75 units, 75 assisted.
Lenders with branches in Delta, MI
Delta, MI lenders by branch count: First Bank Upper Michigan (Delta, MI): stress 38, 5 branches low in Delta, MI; Baybank (Delta, MI): stress 66, 3 branches low in Delta, MI; Upper Peninsula State Bank (Delta, MI): stress 51, 2 branches low in Delta, MI.
Vacancy and permits, Delta, MI
3,874 of 19,845 Delta, MI housing units are vacant; Delta, MI permits, twelve months: 0 multifamily units in Delta, MI, 46 one-to-four unit units.
Work Delta, MI at the parcel level
Every Delta, MI parcel carries owner and address; every Delta, MI parcel carries APN; Delta, MI distress scores sit on the Delta, MI live board.
Delta, MI figures refresh with each source.
Delta, MI questions
Most distressed ZIP code in Delta County, MI?
ZIP 49818 leads Delta, MI at 22/100; next in Delta, MI: 49880 at 22/100; the Delta, MI average is 16/100.
Where does Delta County, MI rank for investment opportunity?
Delta, MI is #1,470 among all ranked counties, #48 in Michigan; the Delta, MI driver is vacancy; Delta, MI moved up 199 places.
How many mortgages are delinquent in Delta County, MI?
Delta, MI takes the non-metro area reading of 1.0% for December 2025; no CFPB county sample covers Delta, MI.
Which banks lend in Delta County, MI?
3 watched lenders hold Delta, MI branches; the largest Delta, MI footprints are First Bank Upper Michigan (5), Baybank (3), Upper Peninsula State Bank (2).
More on Delta, MI
Delta County, MI distress report: public-record figures for Delta, MI; not legal advice for Delta, MI; not tax or investment advice; verify every Delta, MI record before acting.