Genesee County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Genesee County, MI distress report, 2026: 34 ZIPs scored in Genesee, MI, Genesee, MI average 23/100; the top Genesee, MI ZIP is 48442 at 31/100; Genesee, MI market phase peak, Genesee, MI prices +3.2% year over year.
- Genesee, MI ranks #1,104 nationally (opportunity index); Genesee, MI #37 in Michigan; Genesee, MI index 30.8.
- Genesee, MI ninety-day mortgage delinquency 1.2% in December 2025; Genesee, MI twelve-month change 0.0%.
- Genesee, MI ZIP phases: 33 peak, 1 expansion.
- Genesee, MI residential listings tracked: 624 across 23 ZIPs; Genesee, MI candidate listings 90.
- Genesee, MI HUD assisted properties: 21 with 2,199 units.
- Genesee, MI lenders on watch: 3; largest Genesee, MI footprint Choiceone Bank (8 branches).
- Genesee, MI most distressed ZIP: 48442 at 31/100.
Genesee, MI figures: DLRadar distress index; Genesee, MI inputs: CFPB, FHFA, HUD, FDIC; Genesee, MI rebuilt as sources refresh.
| Rank | Genesee, MI ZIP | Score |
|---|---|---|
| 1 | 48442 | 31/100 |
| 2 | 48462 | 30/100 |
| 3 | 48415 | 29/100 |
| 4 | 48430 | 26/100 |
| 5 | 48457 | 25/100 |
| 6 | 48411 | 24/100 |
| 7 | 48423 | 24/100 |
| 8 | 48437 | 24/100 |
| 9 | 48439 | 24/100 |
| 10 | 48451 | 24/100 |
| 11 | 48458 | 24/100 |
| 12 | 48463 | 24/100 |
Most distressed Genesee, MI ZIPs (0-100, 2026)
Mortgage delinquency in Genesee, MI
1.2% of Genesee, MI mortgages were ninety-plus days late (Genesee, MI, December 2025); Genesee, MI thirty-to-eighty-nine days late: 3.0%; Genesee, MI twelve-month change 0.0%; Genesee, MI peak since 2008: 6.7% (November 2009); Michigan overall 0.9%. Genesee, MI ninety-day series: Dec 24 1.2, Jan 25 1.2, Feb 25 0.9 (Genesee, MI), Mar 25 1.0, Apr 25 0.8, May 25 1.0 (Genesee, MI), Jun 25 1.1, Jul 25 1.0, Aug 25 0.8 (Genesee, MI), Sep 25 0.9, Oct 25 1.2, Nov 25 1.1 (Genesee, MI), Dec 25 1.2.
Opportunity index: Genesee, MI
Genesee, MI index 30.8, Genesee, MI phase watchlist; Genesee, MI primary driver bank institutional, Genesee, MI second driver listings discount. Genesee, MI components: property stress 12.0, foreclosure pressure 10.4, listing discounts 48.9, bank stress 60.4, insurance 0.0; Genesee, MI pulse 31.0; Genesee, MI capital opportunity 30.6; Genesee, MI seven-day change +0.1%.
ZIP market phases inside Genesee, MI
34 Genesee, MI ZIPs carry a price-cycle phase; Genesee, MI ZIPs by phase (Genesee, MI), deepest drawdown first: peak, +3.2% YoY (Genesee, MI): 48411, 48423, 48433, 48437, Genesee, MI 48439; peak, +4.1% YoY (Genesee, MI): 48415; peak, +4.0% YoY (Genesee, MI): 48418, 48430; peak, +3.3% YoY (Genesee, MI): 48420, 48436; peak, +4.2% YoY (Genesee, MI): 48421, 48429, 48442; peak, +3.5% YoY (Genesee, MI): 48438, 48451; peak, +3.9% YoY (Genesee, MI): 48449.
Residential listings by Genesee, MI ZIP
Genesee, MI ZIPs with the most tracked Genesee, MI residential listings: 48439 112 listings, 8 candidates, bank pressure 60; 48423 58 listings, 2 candidates, bank pressure 63; 48507 53 listings, 12 candidates, bank pressure 67; 48451 50 listings, 3 candidates, bank pressure 65 (Genesee, MI); 48458 46 listings, 10 candidates, bank pressure 67; 48473 38 listings, 1 candidates, bank pressure 67; 48433 34 listings, 5 candidates, bank pressure 64; 48506 31 listings, 12 candidates, bank pressure 67. Genesee, MI totals: 624 listings; Genesee, MI candidates 90; active ZIPs 21.
HUD assisted housing in Genesee, MI
21 assisted properties with 2,199 units sit in Genesee, MI; largest Genesee, MI properties: Kings Lane Apartments (Burton) 378 units; Linden Lane (Flint) 180 units, 179 assisted; Flint Heights Senior Citizen Apartments (Flint) 163 units in Genesee, MI; Bristol Court Apartments (Mount Morris) 144 units; Rollingwood Manor (Flint) 136 units, 135 assisted; Pineshores Apartments (Mt. Morris Township) 120 units.
Lenders with branches in Genesee, MI
Genesee, MI lenders by branch count: Choiceone Bank (Genesee, MI): stress 60, 8 branches low in Genesee, MI; Independent Bank (Genesee, MI): stress 67, 1 branch low in Genesee, MI; Oxford Bank (Genesee, MI): stress 64, 1 branch low in Genesee, MI.
Vacancy and permits, Genesee, MI
16,569 of 183,903 Genesee, MI housing units are vacant; Genesee, MI permits, twelve months: 88 multifamily units in Genesee, MI, 372 one-to-four unit units.
Work Genesee, MI at the parcel level
Every Genesee, MI parcel carries owner and address; every Genesee, MI parcel carries APN; Genesee, MI distress scores sit on the Genesee, MI live board.
Genesee, MI figures refresh with each source.
Genesee, MI questions
Most distressed ZIP code in Genesee County, MI?
ZIP 48442 leads Genesee, MI at 31/100; next in Genesee, MI: 48462 at 30/100; the Genesee, MI average is 23/100.
Where does Genesee County, MI rank for investment opportunity?
Genesee, MI is #1,104 among all ranked counties, #37 in Michigan; the Genesee, MI driver is bank institutional; Genesee, MI moved up 973 places.
How many mortgages are delinquent in Genesee County, MI?
1.2% of Genesee, MI mortgages were ninety-plus days late in December 2025; the Genesee, MI peak since 2008 was 6.7%.
Which banks lend in Genesee County, MI?
3 watched lenders hold Genesee, MI branches; the largest Genesee, MI footprints are Choiceone Bank (8), Independent Bank (1), Oxford Bank (1).
More on Genesee, MI
Genesee County, MI distress report: public-record figures for Genesee, MI; not legal advice for Genesee, MI; not tax or investment advice; verify every Genesee, MI record before acting.