Lapeer County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Lapeer County, Michigan? DLRadar grades every Lapeer County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 32/100. Here is the 2026 Lapeer County breakdown.
- Lapeer County's most distressed ZIP is 48462 at 32/100.
- 22 ZIP codes tracked in Lapeer County, averaging 18/100 distress.
- Lapeer County reads peak — home values up 4.2% year over year.
- Vacancy runs 7.5% across Lapeer County's tracked ZIPs, with a 8.9% poverty rate.
- The typical Lapeer County home is worth about $238,033 against a ~$79,533 median income.
- Lending headwind in Lapeer County sits at 47/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 48462 | 32/100 |
| 2 | 48371 | 31/100 |
| 3 | 48463 | 25/100 |
| 4 | 48423 | 24/100 |
| 5 | 48014 | 23/100 |
| 6 | 48438 | 22/100 |
| 7 | 48744 | 19/100 |
| 8 | 48435 | 17/100 |
| 9 | 48453 | 17/100 |
| 10 | 48760 | 17/100 |
| 11 | 48416 | 16/100 |
| 12 | 48464 | 16/100 |
Most distressed ZIP codes in Lapeer County (composite distress 0-100, 2026)
What is driving Lapeer County distress
Lapeer County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 18/100 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.
Lapeer County market phase and pricing
The cycle in Lapeer County is peak, with values up 4.2% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Lapeer County
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Frequently asked
Which ZIP code leads Lapeer County on distress?
ZIP 48462 leads Lapeer County at 32/100, recomputed monthly from public records.
Which phase does Lapeer County sit in right now?
Lapeer County is classified peak with a 4.2% year-over-year increase, following the FHFA House Price Index.
Can the Lapeer County figures be verified?
Every Lapeer 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 22 Lapeer County ZIP codes that it runs on every other U.S. county, so Lapeer County's numbers are directly comparable to any other market.
How much do distress scores vary between Lapeer County ZIP codes?
One county number flattens a wide range. Across the Lapeer County ZIPs DLRadar ranks, scores run from 32/100 in 48462 down to 16/100 in 48464, against a Lapeer County average of 18/100. The 16-point range is the argument for ZIP-level search across Lapeer County.
What do Lapeer County home values and vacancy say about distressed supply?
The typical Lapeer County home carries about $238,033 of value against a median household income near $79,533. Vacancy across Lapeer County's tracked ZIPs runs 7.5% and the poverty rate is 8.9%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Lapeer County's foreclosure and tax-lien record and its 47/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.