Ionia County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Ionia County, MI distress report, 2026: 21 ZIPs scored in Ionia, MI, Ionia, MI average 24/100; the top Ionia, MI ZIP is 49302 at 28/100; Ionia, MI market phase peak, Ionia, MI prices +3.9% year over year.
- Ionia, MI ranks #2,602 nationally (opportunity index); Ionia, MI #76 in Michigan; Ionia, MI index 25.4.
- Ionia, MI: no CFPB county sample; Ionia, MI metro area reading 0.6%.
- Ionia, MI ZIP phases: 18 peak, 3 neutral.
- Ionia, MI residential listings tracked: 6 across 12 ZIPs; Ionia, MI candidate listings 1.
- Ionia, MI HUD assisted properties: 3 with 197 units.
- Ionia, MI lenders on watch: 4; largest Ionia, MI footprint Independent Bank (5 branches).
- Ionia, MI most distressed ZIP: 49302 at 28/100.
Ionia, MI figures: DLRadar distress index; Ionia, MI inputs: CFPB, FHFA, HUD, FDIC; Ionia, MI rebuilt as sources refresh.
| Rank | Ionia, MI ZIP | Score |
|---|---|---|
| 1 | 49302 | 28/100 |
| 2 | 49331 | 27/100 |
| 3 | 48846 | 26/100 |
| 4 | 48851 | 26/100 |
| 5 | 48860 | 26/100 |
| 6 | 48865 | 26/100 |
| 7 | 48870 | 26/100 |
| 8 | 48881 | 26/100 |
| 9 | 48815 | 25/100 |
| 10 | 48834 | 25/100 |
| 11 | 48849 | 25/100 |
| 12 | 48875 | 25/100 |
Most distressed Ionia, MI ZIPs (0-100, 2026)
Mortgage delinquency around Ionia, MI
No CFPB county sample covers Ionia, MI; the metro area reading for Ionia, MI (Grand Rapids-Wyoming-Kentwood, MI): 0.6% ninety-plus; Ionia, MI area thirty-to-eighty-nine 1.9% (December 2025, Ionia, MI); Michigan overall 0.9%.
Opportunity index: Ionia, MI
Ionia, MI index 25.4, Ionia, MI phase weak; Ionia, MI primary driver bank institutional, Ionia, MI second driver construction. Ionia, MI components: property stress 12.9, foreclosure pressure 10.6, listing discounts 18.5, bank stress 61.3, insurance 0.0; Ionia, MI pulse 30.5; Ionia, MI capital opportunity 17.7; Ionia, MI seven-day change +0.3%.
ZIP market phases inside Ionia, MI
21 Ionia, MI ZIPs carry a price-cycle phase; Ionia, MI ZIPs by phase (Ionia, MI), deepest drawdown first: peak, +3.9% YoY (Ionia, MI): 48809, 48815, 48834, 48838, Ionia, MI 48846, 48851, 48860, 48865, Ionia, MI 48870, 48881; neutral, +4.7% YoY (Ionia, MI): 48837, 48861; peak, +4.2% YoY (Ionia, MI): 48845; peak, +4.0% YoY (Ionia, MI): 48849, 48875; peak, +4.3% YoY (Ionia, MI): 48873.
Residential listings by Ionia, MI ZIP
Ionia, MI ZIPs with the most tracked Ionia, MI residential listings: 48875 2 listings, 0 candidates, bank pressure 65; 48881 2 listings, 1 candidates, bank pressure 65; 48809 1 listings, 0 candidates, bank pressure 64; 48846 1 listings, 0 candidates, bank pressure 65 (Ionia, MI); 48815 0 listings, 0 candidates, bank pressure 64; 48845 0 listings, 0 candidates, bank pressure 63; 48849 0 listings, 0 candidates, bank pressure 69; 48851 0 listings, 0 candidates, bank pressure 65. Ionia, MI totals: 6 listings; Ionia, MI candidates 1; active ZIPs 4.
HUD assisted housing in Ionia, MI
3 assisted properties with 197 units sit in Ionia, MI; largest Ionia, MI properties: Parkers Landing Apartments (Portland) 112 units; Millcreek Meadows (Saranac) 61 units, 61 assisted; Bear Creek Villa (Clarksville) 24 units, 24 assisted in Ionia, MI.
Lenders with branches in Ionia, MI
Ionia, MI lenders by branch count: Independent Bank (Ionia, MI): stress 67, 5 branches low in Ionia, MI; Mercantile Bank (Ionia, MI): stress 52, 3 branches moderate in Ionia, MI; Union Bank (Ionia, MI): stress 81, 1 branch low in Ionia, MI; United Bank Of Michigan (Ionia, MI): stress 63, 1 branch low in Ionia, MI.
Vacancy and permits, Ionia, MI
1,506 of 24,861 Ionia, MI housing units are vacant; Ionia, MI permits, twelve months: 0 multifamily units in Ionia, MI, 93 one-to-four unit units.
Work Ionia, MI at the parcel level
Every Ionia, MI parcel carries owner and address; every Ionia, MI parcel carries APN; Ionia, MI distress scores sit on the Ionia, MI live board.
Ionia, MI figures refresh with each source.
Ionia, MI questions
Most distressed ZIP code in Ionia County, MI?
ZIP 49302 leads Ionia, MI at 28/100; next in Ionia, MI: 49331 at 27/100; the Ionia, MI average is 24/100.
Where does Ionia County, MI rank for investment opportunity?
Ionia, MI is #2,602 among all ranked counties, #76 in Michigan; the Ionia, MI driver is bank institutional; Ionia, MI moved down 411 places.
How many mortgages are delinquent in Ionia County, MI?
Ionia, MI takes the metro area reading of 0.6% for December 2025; no CFPB county sample covers Ionia, MI.
Which banks lend in Ionia County, MI?
4 watched lenders hold Ionia, MI branches; the largest Ionia, MI footprints are Independent Bank (5), Mercantile Bank (3), Union Bank (1).
More on Ionia, MI
Ionia County, MI distress report: public-record figures for Ionia, MI; not legal advice for Ionia, MI; not tax or investment advice; verify every Ionia, MI record before acting.