Hillsdale County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Hillsdale County, Michigan? DLRadar grades every Hillsdale County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 16/100. Here is the 2026 Hillsdale County breakdown.
- Hillsdale County's most distressed ZIP is 49246 at 16/100.
- 19 ZIP codes tracked in Hillsdale County, averaging 11/100 distress.
- Hillsdale County reads peak — home values up 4.2% year over year.
- Vacancy runs 14.8% across Hillsdale County's tracked ZIPs, with a 15% poverty rate.
- The typical Hillsdale County home is worth about $179,512 against a ~$63,075 median income.
- Lending headwind in Hillsdale County sits at 69/100 — 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 | 49246 | 16/100 |
| 2 | 49220 | 14/100 |
| 3 | 49233 | 14/100 |
| 4 | 49247 | 14/100 |
| 5 | 49082 | 13/100 |
| 6 | 49252 | 11/100 |
| 7 | 49255 | 11/100 |
| 8 | 49288 | 11/100 |
| 9 | 49227 | 10/100 |
| 10 | 49232 | 10/100 |
| 11 | 49242 | 10/100 |
| 12 | 49249 | 10/100 |
Most distressed ZIP codes in Hillsdale County (composite distress 0-100, 2026)
What is driving Hillsdale County distress
The Hillsdale County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 11/100 ZIP average. No proprietary or modelled inputs enter the score.
Hillsdale County market phase and pricing
DLRadar places Hillsdale County in peak; prices moved up 4.2% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Hillsdale County
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Common questions
Which Hillsdale County ZIP scores worst for distress?
ZIP 49246 leads Hillsdale County at 16/100, recomputed monthly from public records.
How would you describe the Hillsdale County market phase?
Phase for Hillsdale County: peak, tracking a 4.2% gain year over year, read off the FHFA index.
How is the Hillsdale County data sourced?
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 19 ZIP codes in Hillsdale County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Hillsdale County ZIP codes?
One county number flattens a wide range. Across the Hillsdale County ZIPs DLRadar ranks, scores run from 16/100 in 49246 down to 10/100 in 49249, against a Hillsdale County average of 11/100. The 6-point range is the argument for ZIP-level search across Hillsdale County.
What do Hillsdale County home values and vacancy say about distressed supply?
The typical Hillsdale County home carries about $179,512 of value against a median household income near $63,075. Vacancy across Hillsdale County's tracked ZIPs runs 14.8% and the poverty rate is 15%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Hillsdale County's foreclosure and lien filings and its 69/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.