Emmet County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Emmet County, MI distress report, 2026: 11 ZIPs scored in Emmet, MI, Emmet, MI average 22/100; the top Emmet, MI ZIP is 49701 at 23/100; Emmet, MI market phase peak, Emmet, MI prices +4.2% year over year.
- Emmet, MI ranks #1,586 nationally (opportunity index); Emmet, MI #52 in Michigan; Emmet, MI index 29.1.
- Emmet, MI: no CFPB county sample; Emmet, MI non-metro area reading 1.0%.
- Emmet, MI ZIP phases: 10 peak, 1 expansion.
- Emmet, MI residential listings tracked: 7 across 10 ZIPs; Emmet, MI candidate listings 2.
- Emmet, MI HUD assisted properties: 2 with 73 units.
- Emmet, MI lenders on watch: 3; largest Emmet, MI footprint First Community Bank (6 branches).
- Emmet, MI most distressed ZIP: 49701 at 23/100.
Emmet, MI figures: DLRadar distress index; Emmet, MI inputs: CFPB, FHFA, HUD, FDIC; Emmet, MI rebuilt as sources refresh.
| Rank | Emmet, MI ZIP | Score |
|---|---|---|
| 1 | 49701 | 23/100 |
| 2 | 49706 | 23/100 |
| 3 | 49716 | 23/100 |
| 4 | 49755 | 23/100 |
| 5 | 49718 | 22/100 |
| 6 | 49769 | 22/100 |
| 7 | 49722 | 21/100 |
| 8 | 49740 | 21/100 |
| 9 | 49764 | 21/100 |
| 10 | 49770 | 21/100 |
| 11 | 49713 | 20/100 |
Most distressed Emmet, MI ZIPs (0-100, 2026)
Mortgage delinquency around Emmet, MI
No CFPB county sample covers Emmet, MI; the non-metro area reading for Emmet, MI: 1.0% ninety-plus; Emmet, MI area thirty-to-eighty-nine 2.6% (December 2025, Emmet, MI); Michigan overall 0.9%.
Opportunity index: Emmet, MI
Emmet, MI index 29.1, Emmet, MI phase early_signal; Emmet, MI primary driver vacancy, Emmet, MI second driver bank institutional. Emmet, MI components: property stress 25.0, foreclosure pressure 25.1, listing discounts 13.2, bank stress 58.9, insurance 0.0; Emmet, MI pulse 36.2; Emmet, MI capital opportunity 18.5.
ZIP market phases inside Emmet, MI
11 Emmet, MI ZIPs carry a price-cycle phase; Emmet, MI ZIPs by phase (Emmet, MI), deepest drawdown first: peak, +4.8% YoY (Emmet, MI): 49701; peak, +4.6% YoY (Emmet, MI): 49706, 49716, 49755; expansion, +5.4% YoY (Emmet, MI): 49713; peak, +4.4% YoY (Emmet, MI): 49718, 49769; peak, +4.2% YoY (Emmet, MI): 49722, 49740, 49764; peak, +4.3% YoY (Emmet, MI): 49770.
Residential listings by Emmet, MI ZIP
Emmet, MI ZIPs with the most tracked Emmet, MI residential listings: 49706 2 listings, 1 candidates, bank pressure 62; 49740 2 listings, 0 candidates, bank pressure 62; 49701 1 listings, 0 candidates, bank pressure 62; 49755 1 listings, 1 candidates, bank pressure 62 (Emmet, MI); 49770 1 listings, 0 candidates, bank pressure 60; 49716 0 listings, 0 candidates, bank pressure 62; 49718 0 listings, 0 candidates, bank pressure 62; 49722 0 listings, 0 candidates, bank pressure 62. Emmet, MI totals: 7 listings; Emmet, MI candidates 2; active ZIPs 3.
HUD assisted housing in Emmet, MI
2 assisted properties with 73 units sit in Emmet, MI; largest Emmet, MI properties: Hillside Club Apartments Phase I (Petoskey) 56 units; Village Of Hillside West (Harbor Springs) 17 units, 16 assisted.
Lenders with branches in Emmet, MI
Emmet, MI lenders by branch count: First Community Bank (Emmet, MI): stress 53, 6 branches low in Emmet, MI; Citizens Nb Of Cheboygan (Emmet, MI): stress 87, 4 branches low in Emmet, MI; Mercantile Bank (Emmet, MI): stress 52, 1 branch low in Emmet, MI.
Vacancy and permits, Emmet, MI
6,789 of 21,979 Emmet, MI housing units are vacant; Emmet, MI permits, twelve months: 0 multifamily units in Emmet, MI, 143 one-to-four unit units.
Work Emmet, MI at the parcel level
Every Emmet, MI parcel carries owner and address; every Emmet, MI parcel carries APN; Emmet, MI distress scores sit on the Emmet, MI live board.
Emmet, MI figures refresh with each source.
Emmet, MI questions
Most distressed ZIP code in Emmet County, MI?
ZIP 49701 leads Emmet, MI at 23/100; next in Emmet, MI: 49706 at 23/100; the Emmet, MI average is 22/100.
Where does Emmet County, MI rank for investment opportunity?
Emmet, MI is #1,586 among all ranked counties, #52 in Michigan; the Emmet, MI driver is vacancy; Emmet, MI moved down 752 places.
How many mortgages are delinquent in Emmet County, MI?
Emmet, MI takes the non-metro area reading of 1.0% for December 2025; no CFPB county sample covers Emmet, MI.
Which banks lend in Emmet County, MI?
3 watched lenders hold Emmet, MI branches; the largest Emmet, MI footprints are First Community Bank (6), Citizens Nb Of Cheboygan (4), Mercantile Bank (1).
More on Emmet, MI
Emmet County, MI distress report: public-record figures for Emmet, MI; not legal advice for Emmet, MI; not tax or investment advice; verify every Emmet, MI record before acting.