Mackinac County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Mackinac County, Michigan? DLRadar grades every Mackinac County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 14/100. Here is the 2026 Mackinac County breakdown.
- Mackinac County's most distressed ZIP is 49774 at 14/100.
- 15 ZIP codes tracked in Mackinac County, averaging 9/100 distress.
- Mackinac County reads expansion — home values up 5.5% year over year.
- Vacancy runs 55.3% across Mackinac County's tracked ZIPs, with a 13.9% poverty rate.
- The typical Mackinac County home is worth about $207,933 against a ~$63,132 median income.
- Lending headwind in Mackinac County sits at 100/100 — 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 | 49774 | 14/100 |
| 2 | 49793 | 14/100 |
| 3 | 49780 | 13/100 |
| 4 | 49719 | 10/100 |
| 5 | 49853 | 10/100 |
| 6 | 49745 | 8/100 |
| 7 | 49757 | 8/100 |
| 8 | 49760 | 8/100 |
| 9 | 49762 | 8/100 |
| 10 | 49775 | 8/100 |
| 11 | 49781 | 8/100 |
| 12 | 49820 | 8/100 |
Most distressed ZIP codes in Mackinac County (composite distress 0-100, 2026)
What is driving Mackinac County distress
Mackinac County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 9/100 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.
Mackinac County market phase and pricing
Mackinac 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 Mackinac County
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Questions and answers
What is the hardest-hit ZIP in Mackinac County?
ZIP 49774 leads Mackinac County at 14/100, recomputed monthly from public records.
Which phase does Mackinac County sit in right now?
The market phase for Mackinac County is expansion, prices rising 5.5% on the year — derived from the FHFA House Price Index path.
What is this Mackinac County analysis built from?
Each Mackinac County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 15 local ZIPs and every other county in the country.
How much do distress scores vary between Mackinac County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Mackinac County ZIPs DLRadar ranks, scores run from 14/100 in 49774 down to 8/100 in 49820, against a Mackinac County average of 9/100. With 6 points between best and worst, county-level targeting in Mackinac County wastes effort.
What do Mackinac County home values and vacancy say about distressed supply?
The typical Mackinac County home carries about $207,933 of value against a median household income near $63,132. Vacancy across Mackinac County's tracked ZIPs runs 55.3% and the poverty rate is 13.9%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Mackinac County's foreclosure and tax-lien filings and its 100/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.