Genesee County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Genesee County, Michigan? DLRadar grades every Genesee County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 33/100. Here is the 2026 Genesee County breakdown.
- Genesee County's most distressed ZIP is 48442 at 33/100.
- 34 ZIP codes tracked in Genesee County, averaging 24/100 distress.
- Genesee County reads peak — home values up 3.2% year over year.
- Vacancy runs 9.1% across Genesee County's tracked ZIPs, with a 13.1% poverty rate.
- The typical Genesee County home is worth about $188,013 against a ~$67,798 median income.
- Lending headwind in Genesee County sits at 57/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 48442 | 33/100 |
| 2 | 48462 | 32/100 |
| 3 | 48415 | 29/100 |
| 4 | 48430 | 27/100 |
| 5 | 48457 | 26/100 |
| 6 | 48411 | 25/100 |
| 7 | 48433 | 25/100 |
| 8 | 48437 | 25/100 |
| 9 | 48439 | 25/100 |
| 10 | 48451 | 25/100 |
| 11 | 48458 | 25/100 |
| 12 | 48463 | 25/100 |
Most distressed ZIP codes in Genesee County (composite distress 0-100, 2026)
What is driving Genesee County distress
DLRadar builds Genesee County's distress picture only from records anyone can pull; its ZIPs average 24/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Genesee County market phase and pricing
Genesee County currently sits in peak after a 3.2% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
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Common questions
What is the most distressed ZIP code in Genesee County, MI?
ZIP 48442 leads Genesee County at 33/100, recomputed monthly from public records.
What market phase is Genesee County in?
Genesee County currently sits in peak, with values up 3.2% year on year, based on FHFA price-index trajectory.
What are the sources behind these Genesee County numbers?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 34 ZIP codes in Genesee County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Genesee County ZIP codes?
Averaging the county conceals how uneven it is. Across the Genesee County ZIPs DLRadar ranks, scores run from 33/100 in 48442 down to 25/100 in 48463, against a Genesee County average of 24/100. A spread of 8 points means Genesee County has to be worked ZIP by ZIP.
What do Genesee County home values and vacancy say about distressed supply?
The typical Genesee County home carries about $188,013 of value against a median household income near $67,798. Vacancy across Genesee County's tracked ZIPs runs 9.1% and the poverty rate is 13.1%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Genesee County's filings and its 57/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.