Eaton County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Eaton County, Michigan? DLRadar grades every Eaton County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 27/100. Here is the 2026 Eaton County breakdown.
- Eaton County's most distressed ZIP is 48842 at 27/100.
- 19 ZIP codes tracked in Eaton County, averaging 23/100 distress.
- Eaton County reads neutral — home values up 4.7% year over year.
- Vacancy runs 6.5% across Eaton County's tracked ZIPs, with a 9.9% poverty rate.
- The typical Eaton County home is worth about $198,895 against a ~$73,045 median income.
- Lending headwind in Eaton County sits at 78/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 48842 | 27/100 |
| 2 | 48849 | 26/100 |
| 3 | 48911 | 26/100 |
| 4 | 48890 | 25/100 |
| 5 | 48813 | 24/100 |
| 6 | 48821 | 24/100 |
| 7 | 48861 | 24/100 |
| 8 | 48876 | 24/100 |
| 9 | 49076 | 24/100 |
| 10 | 49096 | 24/100 |
| 11 | 49264 | 24/100 |
| 12 | 48827 | 23/100 |
Most distressed ZIP codes in Eaton County (composite distress 0-100, 2026)
What is driving Eaton County distress
Eaton County's placement in the national index rests on public filings — a 23/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Eaton County market phase and pricing
Phase for Eaton County: neutral (+4.7% YoY). As pricing power fades, listings sit longer and sellers become reachable.
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Questions about this county
What is the hardest-hit ZIP in Eaton County?
ZIP 48842 leads Eaton County at 27/100, recomputed monthly from public records.
Where is Eaton County in the housing cycle?
Eaton County reads neutral, with home prices up 4.7% year over year. Phase comes from FHFA House Price Index trajectory.
Can the Eaton County figures be verified?
The inputs are all public: FHFA for the neutral path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 19 ZIP codes in Eaton County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Eaton County ZIP codes?
One county number flattens a wide range. Across the Eaton County ZIPs DLRadar ranks, scores run from 27/100 in 48842 down to 23/100 in 48827, against a Eaton County average of 23/100. A spread of 4 points means Eaton County has to be worked ZIP by ZIP.
What do Eaton County home values and vacancy say about distressed supply?
The typical Eaton County home carries about $198,895 of value against a median household income near $73,045. Vacancy across Eaton County's tracked ZIPs runs 6.5% and the poverty rate is 9.9%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Eaton County's foreclosure and tax-lien filings and its 78/100 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.