Houghton County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Houghton County, MI distress report, 2026: 20 ZIPs scored in Houghton, MI, Houghton, MI average 7/100; the top Houghton, MI ZIP is 49805 at 10/100; Houghton, MI market phase peak, Houghton, MI prices +4.2% year over year.
- Houghton, MI ranks #2,750 nationally (opportunity index); Houghton, MI #79 in Michigan; Houghton, MI index 24.7.
- Houghton, MI: no CFPB county sample; Houghton, MI non-metro area reading 1.0%.
- Houghton, MI ZIP phases: 19 peak, 1 expansion.
- Houghton, MI residential listings tracked: 10 across 18 ZIPs; Houghton, MI candidate listings 4.
- Houghton, MI HUD assisted properties: 3 with 167 units.
- Houghton, MI lenders on watch: 4; largest Houghton, MI footprint Superior National Bank (6 branches).
- Houghton, MI most distressed ZIP: 49805 at 10/100.
Houghton, MI figures: DLRadar distress index; Houghton, MI inputs: CFPB, FHFA, HUD, FDIC; Houghton, MI rebuilt as sources refresh.
| Rank | Houghton, MI ZIP | Score |
|---|---|---|
| 1 | 49805 | 10/100 |
| 2 | 49948 | 8/100 |
| 3 | 49967 | 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 Houghton, MI ZIPs (0-100, 2026)
Mortgage delinquency around Houghton, MI
No CFPB county sample covers Houghton, MI; the non-metro area reading for Houghton, MI: 1.0% ninety-plus; Houghton, MI area thirty-to-eighty-nine 2.6% (December 2025, Houghton, MI); Michigan overall 0.9%.
Opportunity index: Houghton, MI
Houghton, MI index 24.7, Houghton, MI phase weak; Houghton, MI primary driver vacancy, Houghton, MI second driver bank institutional. Houghton, MI components: property stress 17.0, foreclosure pressure 17.4, listing discounts 11.0, bank stress 55.4, insurance 0.0; Houghton, MI pulse 30.0; Houghton, MI capital opportunity 16.7.
ZIP market phases inside Houghton, MI
20 Houghton, MI ZIPs carry a price-cycle phase; Houghton, MI ZIPs by phase (Houghton, MI), deepest drawdown first: peak, +4.2% YoY (Houghton, MI): 49805, 49905, 49913, 49916, Houghton, MI 49917, 49921, 49922, 49930, Houghton, MI 49931, 49934, 49942, 49945, Houghton, MI 49955; expansion, +5.4% YoY (Houghton, MI): 49948; peak, +4.3% YoY (Houghton, MI): 49952; peak, +4.6% YoY (Houghton, MI): 49958.
Residential listings by Houghton, MI ZIP
Houghton, MI ZIPs with the most tracked Houghton, MI residential listings: 49930 4 listings, 1 candidates, bank pressure 67; 49905 1 listings, 1 candidates, bank pressure 67; 49913 1 listings, 0 candidates, bank pressure 67; 49916 1 listings, 1 candidates, bank pressure 67 (Houghton, MI); 49945 1 listings, 0 candidates, bank pressure 67; 49961 1 listings, 1 candidates, bank pressure 67; 49965 1 listings, 0 candidates, bank pressure 66; 49917 0 listings, 0 candidates, bank pressure 67. Houghton, MI totals: 10 listings; Houghton, MI candidates 4; active ZIPs 3.
HUD assisted housing in Houghton, MI
3 assisted properties with 167 units sit in Houghton, MI; largest Houghton, MI properties: Arbor Green (Houghton) 140 units, 140 assisted; Golden Horizons (Calumet) 16 units, 16 assisted; Pine View Apartments (Houghton) 11 units, 11 assisted in Houghton, MI.
Lenders with branches in Houghton, MI
Houghton, MI lenders by branch count: Superior National Bank (Houghton, MI): stress 62, 6 branches low in Houghton, MI; Miners State Bank (Houghton, MI): stress 64, 3 branches low in Houghton, MI; Range Bank (Houghton, MI): stress 58, 3 branches low in Houghton, MI; Upper Peninsula State Bank (Houghton, MI): stress 51, 1 branch moderate in Houghton, MI.
Vacancy and permits, Houghton, MI
4,565 of 18,870 Houghton, MI housing units are vacant; Houghton, MI permits, twelve months: 10 multifamily units in Houghton, MI, 117 one-to-four unit units.
Work Houghton, MI at the parcel level
Every Houghton, MI parcel carries owner and address; every Houghton, MI parcel carries APN; Houghton, MI distress scores sit on the Houghton, MI live board.
Houghton, MI figures refresh with each source.
Houghton, MI questions
Most distressed ZIP code in Houghton County, MI?
ZIP 49805 leads Houghton, MI at 10/100; next in Houghton, MI: 49948 at 8/100; the Houghton, MI average is 7/100.
Where does Houghton County, MI rank for investment opportunity?
Houghton, MI is #2,750 among all ranked counties, #79 in Michigan; the Houghton, MI driver is vacancy; Houghton, MI moved down 438 places.
How many mortgages are delinquent in Houghton County, MI?
Houghton, MI takes the non-metro area reading of 1.0% for December 2025; no CFPB county sample covers Houghton, MI.
Which banks lend in Houghton County, MI?
4 watched lenders hold Houghton, MI branches; the largest Houghton, MI footprints are Superior National Bank (6), Miners State Bank (3), Range Bank (3).
More on Houghton, MI
Houghton County, MI distress report: public-record figures for Houghton, MI; not legal advice for Houghton, MI; not tax or investment advice; verify every Houghton, MI record before acting.