Luce County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Luce County, Michigan? DLRadar grades every Luce County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 14/100. Here is the 2026 Luce County breakdown.
- Luce County's most distressed ZIP is 49748 at 14/100.
- 3 ZIP codes tracked in Luce County, averaging 8/100 distress.
- Luce County reads expansion — home values up 5.5% year over year.
- Vacancy runs 52% across Luce County's tracked ZIPs, with a 14.1% poverty rate.
- The typical Luce County home is worth about $124,767 against a ~$54,602 median income.
- Lending headwind in Luce County sits at 81/100 — 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 | 49748 | 14/100 |
| 2 | 49853 | 10/100 |
| 3 | 49868 | 1/100 |
Most distressed ZIP codes in Luce County (composite distress 0-100, 2026)
What is driving Luce County distress
DLRadar builds Luce County's distress picture only from records anyone can pull; its ZIPs average 8/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Luce County market phase and pricing
Luce 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 Luce County
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Frequently asked
What is the hardest-hit ZIP in Luce County?
ZIP 49748 leads Luce County at 14/100, recomputed monthly from public records.
Is Luce County expanding or contracting?
FHFA price-index movement places Luce County in expansion; prices are up 5.5% over twelve months.
What are the sources behind these Luce County numbers?
Luce County draws on FHFA (expansion trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 3 ZIPs are comparable to anywhere else.
How much do distress scores vary between Luce County ZIP codes?
The county figure is a blend, not a description. Across the Luce County ZIPs DLRadar ranks, scores run from 14/100 in 49748 down to 1/100 in 49868, against a Luce County average of 8/100. A spread of 13 points means Luce County has to be worked ZIP by ZIP.
What do Luce County home values and vacancy say about distressed supply?
The typical Luce County home carries about $124,767 of value against a median household income near $54,602. Vacancy across Luce County's tracked ZIPs runs 52% and the poverty rate is 14.1%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Luce County's filings and its 81/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.