Lake County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Lake County, Michigan? DLRadar grades every Lake County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 20/100. Here is the 2026 Lake County breakdown.
- Lake County's most distressed ZIP is 49309 at 20/100.
- 11 ZIP codes tracked in Lake County, averaging 14/100 distress.
- Lake County reads expansion — home values up 5.5% year over year.
- Vacancy runs 46.7% across Lake County's tracked ZIPs, with a 18% poverty rate.
- The typical Lake County home is worth about $152,918 against a ~$59,269 median income.
- Lending headwind in Lake County sits at 33/100 — a forward read on distressed supply.
Data drawn from the DLRadar distress index, recomputed monthly from public filings. Cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 49309 | 20/100 |
| 2 | 49601 | 19/100 |
| 3 | 49655 | 17/100 |
| 4 | 49688 | 17/100 |
| 5 | 49677 | 15/100 |
| 6 | 49304 | 11/100 |
| 7 | 49623 | 11/100 |
| 8 | 49642 | 11/100 |
| 9 | 49644 | 11/100 |
| 10 | 49656 | 11/100 |
| 11 | 49402 | 8/100 |
Most distressed ZIP codes in Lake County (composite distress 0-100, 2026)
What is driving Lake County distress
Lake County's placement in the national index rests on public filings — a 14/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Lake County market phase and pricing
Lake County reads expansion — home prices rose 5.5% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Lake County
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Frequently asked questions
Which Lake County ZIP scores worst for distress?
ZIP 49309 leads Lake County at 20/100, recomputed monthly from public records.
How would you describe the Lake County market phase?
Phase for Lake County: expansion, tracking a 5.5% gain year over year, read off the FHFA index.
What is this Lake County analysis built from?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 11 Lake County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Lake County ZIP codes?
Averaging the county conceals how uneven it is. Across the Lake County ZIPs DLRadar ranks, scores run from 20/100 in 49309 down to 8/100 in 49402, against a Lake County average of 14/100. Because the gap runs to 12 points, Lake County rewards ZIP-level precision.
What do Lake County home values and vacancy say about distressed supply?
The typical Lake County home carries about $152,918 of value against a median household income near $59,269. Vacancy across Lake County's tracked ZIPs runs 46.7% and the poverty rate is 18%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Lake County's foreclosure and tax-lien filings and its 33/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.