Kalkaska County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Kalkaska County, Michigan? DLRadar grades every Kalkaska County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Kalkaska County breakdown.
- Kalkaska County's most distressed ZIP is 49690 at 25/100.
- 8 ZIP codes tracked in Kalkaska County, averaging 16/100 distress.
- Kalkaska County reads peak — home values up 3.1% year over year.
- Vacancy runs 31.5% across Kalkaska County's tracked ZIPs, with a 11.6% poverty rate.
- The typical Kalkaska County home is worth about $221,263 against a ~$67,785 median income.
- Lending headwind in Kalkaska County sits at 49/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 49690 | 25/100 |
| 2 | 49633 | 18/100 |
| 3 | 49738 | 17/100 |
| 4 | 49612 | 14/100 |
| 5 | 49646 | 14/100 |
| 6 | 49659 | 14/100 |
| 7 | 49676 | 14/100 |
| 8 | 49680 | 14/100 |
Most distressed ZIP codes in Kalkaska County (composite distress 0-100, 2026)
What is driving Kalkaska County distress
Kalkaska County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 16/100 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.
Kalkaska County market phase and pricing
Kalkaska County reads peak — home prices rose 3.1% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
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Common questions
Which ZIP code leads Kalkaska County on distress?
ZIP 49690 leads Kalkaska County at 25/100, recomputed monthly from public records.
What market phase is Kalkaska County in?
Kalkaska County currently sits in peak, with values up 3.1% year on year, based on FHFA price-index trajectory.
Which datasets feed the Kalkaska County scores?
Every Kalkaska County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 8 Kalkaska County ZIP codes that it runs on every other U.S. county, so Kalkaska County's numbers are directly comparable to any other market.
How much do distress scores vary between Kalkaska County ZIP codes?
The county figure is a blend, not a description. Across the Kalkaska County ZIPs DLRadar ranks, scores run from 25/100 in 49690 down to 14/100 in 49680, against a Kalkaska County average of 16/100. Those 11 points separate the ZIPs worth working in Kalkaska County from the rest.
What do Kalkaska County home values and vacancy say about distressed supply?
The typical Kalkaska County home carries about $221,263 of value against a median household income near $67,785. Vacancy across Kalkaska County's tracked ZIPs runs 31.5% and the poverty rate is 11.6%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Kalkaska County's foreclosure and lien data and its 49/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.