Houghton County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Houghton County, Michigan? DLRadar grades every Houghton County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 10/100. Here is the 2026 Houghton County breakdown.
- Houghton County's most distressed ZIP is 49805 at 10/100.
- 20 ZIP codes tracked in Houghton County, averaging 7/100 distress.
- Houghton County reads peak — home values up 4.2% year over year.
- Vacancy runs 34.4% across Houghton County's tracked ZIPs, with a 12.2% poverty rate.
- The typical Houghton County home is worth about $142,832 against a ~$57,208 median income.
- Lending headwind in Houghton County sits at 64/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 49805 | 10/100 |
| 2 | 49967 | 9/100 |
| 3 | 49948 | 8/100 |
| 4 | 49905 | 7/100 |
| 5 | 49913 | 7/100 |
| 6 | 49916 | 7/100 |
| 7 | 49917 | 7/100 |
| 8 | 49921 | 7/100 |
| 9 | 49922 | 7/100 |
| 10 | 49930 | 7/100 |
| 11 | 49931 | 7/100 |
| 12 | 49934 | 7/100 |
Most distressed ZIP codes in Houghton County (composite distress 0-100, 2026)
What is driving Houghton County distress
Houghton County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 7/100 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.
Houghton County market phase and pricing
Phase for Houghton County: peak (+4.2% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Houghton County
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Questions and answers
Which ZIP code leads Houghton County on distress?
ZIP 49805 leads Houghton County at 10/100, recomputed monthly from public records.
How would you describe the Houghton County market phase?
Phase for Houghton County: peak, tracking a 4.2% gain year over year, read off the FHFA index.
Where does the Houghton County data come from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 20 Houghton County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Houghton County ZIP codes?
One county number flattens a wide range. Across the Houghton County ZIPs DLRadar ranks, scores run from 10/100 in 49805 down to 7/100 in 49934, against a Houghton County average of 7/100. With 3 points between best and worst, county-level targeting in Houghton County wastes effort.
What do Houghton County home values and vacancy say about distressed supply?
The typical Houghton County home carries about $142,832 of value against a median household income near $57,208. Vacancy across Houghton County's tracked ZIPs runs 34.4% and the poverty rate is 12.2%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Houghton County's foreclosure and lien data and its 64/100 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.