Emmet County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Emmet County, Michigan? DLRadar grades every Emmet County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 20/100. Here is the 2026 Emmet County breakdown.
- Emmet County's most distressed ZIP is 49701 at 20/100.
- 11 ZIP codes tracked in Emmet County, averaging 18/100 distress.
- Emmet County reads peak — home values up 4.2% year over year.
- Vacancy runs 38.9% across Emmet County's tracked ZIPs, with a 11.1% poverty rate.
- The typical Emmet County home is worth about $277,760 against a ~$76,153 median income.
- Lending headwind in Emmet County sits at 47/100 — 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 | 49701 | 20/100 |
| 2 | 49706 | 19/100 |
| 3 | 49716 | 19/100 |
| 4 | 49755 | 19/100 |
| 5 | 49718 | 18/100 |
| 6 | 49769 | 18/100 |
| 7 | 49722 | 17/100 |
| 8 | 49740 | 17/100 |
| 9 | 49764 | 17/100 |
| 10 | 49770 | 17/100 |
| 11 | 49713 | 15/100 |
Most distressed ZIP codes in Emmet County (composite distress 0-100, 2026)
What is driving Emmet County distress
Emmet County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 18/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Emmet County market phase and pricing
Emmet County currently sits in peak after a 4.2% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Emmet County
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Common questions
What is the most distressed ZIP code in Emmet County, MI?
ZIP 49701 leads Emmet County at 20/100, recomputed monthly from public records.
What stage of the price cycle is Emmet County at?
Emmet County reads peak, with home prices up 4.2% year over year. Phase comes from FHFA House Price Index trajectory.
Where does the Emmet County data come from?
Emmet County draws on FHFA (peak 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 11 ZIPs are comparable to anywhere else.
How much do distress scores vary between Emmet County ZIP codes?
A single county score papers over real variation. Across the Emmet County ZIPs DLRadar ranks, scores run from 20/100 in 49701 down to 15/100 in 49713, against a Emmet County average of 18/100. Because the gap runs to 5 points, Emmet County rewards ZIP-level precision.
What do Emmet County home values and vacancy say about distressed supply?
The typical Emmet County home carries about $277,760 of value against a median household income near $76,153. Vacancy across Emmet County's tracked ZIPs runs 38.9% and the poverty rate is 11.1%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Emmet County's foreclosure and lien data and its 47/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.