Ingham County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Ingham County, MI distress report, 2026: 23 ZIPs scored in Ingham, MI, Ingham, MI average 24/100; the top Ingham, MI ZIP is 48819 at 26/100; Ingham, MI market phase neutral, Ingham, MI prices +4.7% year over year.
- Ingham, MI ranks #2,279 nationally (opportunity index); Ingham, MI #69 in Michigan; Ingham, MI index 26.8.
- Ingham, MI ninety-day mortgage delinquency 0.9% in December 2025; Ingham, MI twelve-month change +0.5%.
- Ingham, MI ZIP phases: 21 neutral, 1 peak, 1 expansion.
- Ingham, MI residential listings tracked: 66 across 18 ZIPs; Ingham, MI candidate listings 15.
- Ingham, MI HUD assisted properties: 16 with 1,486 units.
- Ingham, MI lenders on watch: 8; largest Ingham, MI footprint Independent Bank (5 branches).
- Ingham, MI most distressed ZIP: 48819 at 26/100.
Ingham, MI figures: DLRadar distress index; Ingham, MI inputs: CFPB, FHFA, HUD, FDIC; Ingham, MI rebuilt as sources refresh.
| Rank | Ingham, MI ZIP | Score |
|---|---|---|
| 1 | 48819 | 26/100 |
| 2 | 48824 | 26/100 |
| 3 | 48825 | 26/100 |
| 4 | 48842 | 26/100 |
| 5 | 48854 | 26/100 |
| 6 | 48864 | 26/100 |
| 7 | 48892 | 26/100 |
| 8 | 48895 | 26/100 |
| 9 | 48910 | 26/100 |
| 10 | 48912 | 26/100 |
| 11 | 48915 | 26/100 |
| 12 | 48933 | 26/100 |
Most distressed Ingham, MI ZIPs (0-100, 2026)
Mortgage delinquency in Ingham, MI
0.9% of Ingham, MI mortgages were ninety-plus days late (Ingham, MI, December 2025); Ingham, MI thirty-to-eighty-nine days late: 2.4%; Ingham, MI twelve-month change +0.5%; Ingham, MI peak since 2008: 4.9% (February 2010); Michigan overall 0.9%. Ingham, MI ninety-day series: Dec 24 0.4, Jan 25 0.6, Feb 25 0.6 (Ingham, MI), Mar 25 0.4, Apr 25 0.3, May 25 0.5 (Ingham, MI), Jun 25 0.7, Jul 25 0.5, Aug 25 0.7 (Ingham, MI), Sep 25 0.6, Oct 25 0.6, Nov 25 0.8 (Ingham, MI), Dec 25 0.9.
Opportunity index: Ingham, MI
Ingham, MI index 26.8, Ingham, MI phase weak; Ingham, MI primary driver bank institutional, Ingham, MI second driver listings discount. Ingham, MI components: property stress 15.5, foreclosure pressure 13.9, listing discounts 35.9, bank stress 52.9, insurance 0.0; Ingham, MI pulse 26.8; Ingham, MI capital opportunity 26.9; Ingham, MI seven-day change +0.4%.
ZIP market phases inside Ingham, MI
23 Ingham, MI ZIPs carry a price-cycle phase; Ingham, MI ZIPs by phase (Ingham, MI), deepest drawdown first: neutral, +4.7% YoY (Ingham, MI): 48819, 48821, 48823, 48824, Ingham, MI 48825, 48827, 48842, 48854, Ingham, MI 48864, 48895, 48906, 48910, Ingham, MI 48911; neutral, +4.6% YoY (Ingham, MI): 48840, 48892; peak, +4.3% YoY (Ingham, MI): 48872.
Residential listings by Ingham, MI ZIP
Ingham, MI ZIPs with the most tracked Ingham, MI residential listings: 48910 13 listings, 4 candidates, bank pressure 64; 48911 11 listings, 1 candidates, bank pressure 66; 48854 7 listings, 1 candidates, bank pressure 64; 48912 6 listings, 3 candidates, bank pressure 64 (Ingham, MI); 48892 4 listings, 0 candidates, bank pressure 64; 48915 4 listings, 2 candidates, bank pressure 64; 49285 4 listings, 1 candidates, bank pressure 65; 48842 3 listings, 0 candidates, bank pressure 66. Ingham, MI totals: 66 listings; Ingham, MI candidates 15; active ZIPs 15.
HUD assisted housing in Ingham, MI
16 assisted properties with 1,486 units sit in Ingham, MI; largest Ingham, MI properties: Willoughby Estates (Holt) 269 units; Grange Acres Iii/Iv (Haslett) 176 units, 176 assisted; Capitol Commons (Lansing) 146 units, 30 assisted in Ingham, MI; Metro Place Apartments (Lansing) 145 units; Summer Place Townhouses (Lansing) 136 units, 114 assisted; Grange Acres Ii (Haslett) 104 units, 104 assisted.
Lenders with branches in Ingham, MI
Ingham, MI lenders by branch count: Independent Bank (Ingham, MI): stress 67, 5 branches low in Ingham, MI; Dart Bank (Ingham, MI): stress 78, 3 branches elevated in Ingham, MI; Commercial Bank (Ingham, MI): stress 64, 3 branches low in Ingham, MI; Eaton Community Bank (Ingham, MI): stress 67, 2 branches low in Ingham, MI; Capitol National Bank (Ingham, MI): stress 34, 2 branches low in Ingham, MI; Homestead Savings Bank (Ingham, MI): stress 78, 1 branch low in Ingham, MI; First Nb Of Michigan (Ingham, MI): stress 74, 1 branch low in Ingham, MI; Choiceone Bank (Ingham, MI): stress 60, 1 branch low in Ingham, MI.
Vacancy and permits, Ingham, MI
9,136 of 126,232 Ingham, MI housing units are vacant; Ingham, MI permits, twelve months: 423 multifamily units in Ingham, MI, 197 one-to-four unit units.
Work Ingham, MI at the parcel level
Every Ingham, MI parcel carries owner and address; every Ingham, MI parcel carries APN; Ingham, MI distress scores sit on the Ingham, MI live board.
Ingham, MI figures refresh with each source.
Ingham, MI questions
Most distressed ZIP code in Ingham County, MI?
ZIP 48819 leads Ingham, MI at 26/100; next in Ingham, MI: 48824 at 26/100; the Ingham, MI average is 24/100.
Where does Ingham County, MI rank for investment opportunity?
Ingham, MI is #2,279 among all ranked counties, #69 in Michigan; the Ingham, MI driver is bank institutional; Ingham, MI moved up 593 places.
How many mortgages are delinquent in Ingham County, MI?
0.9% of Ingham, MI mortgages were ninety-plus days late in December 2025; the Ingham, MI peak since 2008 was 4.9%.
Which banks lend in Ingham County, MI?
8 watched lenders hold Ingham, MI branches; the largest Ingham, MI footprints are Independent Bank (5), Dart Bank (3), Commercial Bank (3).
More on Ingham, MI
Ingham County, MI distress report: public-record figures for Ingham, MI; not legal advice for Ingham, MI; not tax or investment advice; verify every Ingham, MI record before acting.