Gratiot County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Gratiot County, MI distress report, 2026: 21 ZIPs scored in Gratiot, MI, Gratiot, MI average 25/100; the top Gratiot, MI ZIP is 48614 at 30/100; Gratiot, MI market phase peak, Gratiot, MI prices +4.2% year over year.
- Gratiot, MI ranks #1,179 nationally (opportunity index); Gratiot, MI #41 in Michigan; Gratiot, MI index 30.6.
- Gratiot, MI: no CFPB county sample; Gratiot, MI non-metro area reading 1.0%.
- Gratiot, MI ZIP phases: 20 peak, 1 neutral.
- Gratiot, MI residential listings tracked: 26 across 14 ZIPs; Gratiot, MI candidate listings 24.
- Gratiot, MI lenders on watch: 3; largest Gratiot, MI footprint Commercial Bank (4 branches).
- Gratiot, MI most distressed ZIP: 48614 at 30/100.
Gratiot, MI figures: DLRadar distress index; Gratiot, MI inputs: CFPB, FHFA, HUD, FDIC; Gratiot, MI rebuilt as sources refresh.
| Rank | Gratiot, MI ZIP | Score |
|---|---|---|
| 1 | 48614 | 30/100 |
| 2 | 48637 | 29/100 |
| 3 | 48662 | 27/100 |
| 4 | 48615 | 26/100 |
| 5 | 48807 | 26/100 |
| 6 | 48801 | 25/100 |
| 7 | 48806 | 25/100 |
| 8 | 48832 | 25/100 |
| 9 | 48847 | 25/100 |
| 10 | 48856 | 25/100 |
| 11 | 48862 | 25/100 |
| 12 | 48871 | 25/100 |
Most distressed Gratiot, MI ZIPs (0-100, 2026)
Mortgage delinquency around Gratiot, MI
No CFPB county sample covers Gratiot, MI; the non-metro area reading for Gratiot, MI: 1.0% ninety-plus; Gratiot, MI area thirty-to-eighty-nine 2.6% (December 2025, Gratiot, MI); Michigan overall 0.9%.
Opportunity index: Gratiot, MI
Gratiot, MI index 30.6, Gratiot, MI phase watchlist; Gratiot, MI primary driver construction, Gratiot, MI second driver bank institutional. Gratiot, MI components: property stress 15.4, foreclosure pressure 14.1, listing discounts 37.1, bank stress 55.4, insurance 0.0; Gratiot, MI pulse 33.1; Gratiot, MI capital opportunity 26.9; Gratiot, MI seven-day change +0.2%.
ZIP market phases inside Gratiot, MI
21 Gratiot, MI ZIPs carry a price-cycle phase; Gratiot, MI ZIPs by phase (Gratiot, MI), deepest drawdown first: peak, +4.0% YoY, 0.3% off peak (Gratiot, MI): 48880, 48883; peak, +4.0% YoY, 0.2% off peak (Gratiot, MI): 48615; peak, +4.1% YoY, 0.2% off peak (Gratiot, MI): 48662; peak, +4.0% YoY, 0.1% off peak (Gratiot, MI): 48637; peak, +4.0% YoY (Gratiot, MI): 48614, 48811; peak, +4.2% YoY (Gratiot, MI): 48801, 48806, 48807, 48832, Gratiot, MI 48845, 48847, 48856, 48862; peak, +4.4% YoY (Gratiot, MI): 48831.
Residential listings by Gratiot, MI ZIP
Gratiot, MI ZIPs with the most tracked Gratiot, MI residential listings: 48801 17 listings, 15 candidates, bank pressure 63; 48880 4 listings, 4 candidates, bank pressure 61; 48847 2 listings, 2 candidates, bank pressure 63; 48889 2 listings, 2 candidates, bank pressure 62 (Gratiot, MI); 48806 1 listings, 1 candidates, bank pressure 63; 48615 0 listings, 0 candidates, bank pressure 61; 48662 0 listings, 0 candidates, bank pressure 61; 48807 0 listings, 0 candidates, bank pressure 62. Gratiot, MI totals: 26 listings; Gratiot, MI candidates 24; active ZIPs 5.
Lenders with branches in Gratiot, MI
Gratiot, MI lenders by branch count: Commercial Bank (Gratiot, MI): stress 64, 4 branches low in Gratiot, MI; Mercantile Bank (Gratiot, MI): stress 52, 3 branches low in Gratiot, MI; Isabella Bank (Gratiot, MI): stress 73, 2 branches low in Gratiot, MI.
Vacancy and permits, Gratiot, MI
1,306 of 16,081 Gratiot, MI housing units are vacant; Gratiot, MI permits, twelve months: 0 multifamily units in Gratiot, MI, 38 one-to-four unit units.
Work Gratiot, MI at the parcel level
Every Gratiot, MI parcel carries owner and address; every Gratiot, MI parcel carries APN; Gratiot, MI distress scores sit on the Gratiot, MI live board.
Gratiot, MI figures refresh with each source.
Gratiot, MI questions
Most distressed ZIP code in Gratiot County, MI?
ZIP 48614 leads Gratiot, MI at 30/100; next in Gratiot, MI: 48637 at 29/100; the Gratiot, MI average is 25/100.
Where does Gratiot County, MI rank for investment opportunity?
Gratiot, MI is #1,179 among all ranked counties, #41 in Michigan; the Gratiot, MI driver is construction; Gratiot, MI moved up 421 places.
How many mortgages are delinquent in Gratiot County, MI?
Gratiot, MI takes the non-metro area reading of 1.0% for December 2025; no CFPB county sample covers Gratiot, MI.
Which banks lend in Gratiot County, MI?
3 watched lenders hold Gratiot, MI branches; the largest Gratiot, MI footprints are Commercial Bank (4), Mercantile Bank (3), Isabella Bank (2).
More on Gratiot, MI
Gratiot County, MI distress report: public-record figures for Gratiot, MI; not legal advice for Gratiot, MI; not tax or investment advice; verify every Gratiot, MI record before acting.