Macomb County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Macomb County, MI distress report, 2026: 39 ZIPs scored in Macomb, MI, Macomb, MI average 33/100; the top Macomb, MI ZIP is 48236 at 34/100; Macomb, MI market phase peak, Macomb, MI prices +4.2% year over year.
- Macomb, MI ranks #1,223 nationally (opportunity index); Macomb, MI #43 in Michigan; Macomb, MI index 30.4.
- Macomb, MI ninety-day mortgage delinquency 1.0% in December 2025; Macomb, MI twelve-month change +0.3%.
- Macomb, MI ZIP phases: 39 peak.
- Macomb, MI residential listings tracked: 1,186 across 36 ZIPs; Macomb, MI candidate listings 119.
- Macomb, MI HUD assisted properties: 32 with 3,822 units.
- Macomb, MI lenders on watch: 5; largest Macomb, MI footprint First State Bank (10 branches).
- Macomb, MI most distressed ZIP: 48236 at 34/100.
Macomb, MI figures: DLRadar distress index; Macomb, MI inputs: CFPB, FHFA, HUD, FDIC; Macomb, MI rebuilt as sources refresh.
| Rank | Macomb, MI ZIP | Score |
|---|---|---|
| 1 | 48236 | 34/100 |
| 2 | 48005 | 33/100 |
| 3 | 48015 | 33/100 |
| 4 | 48021 | 33/100 |
| 5 | 48026 | 33/100 |
| 6 | 48035 | 33/100 |
| 7 | 48036 | 33/100 |
| 8 | 48038 | 33/100 |
| 9 | 48042 | 33/100 |
| 10 | 48043 | 33/100 |
| 11 | 48044 | 33/100 |
| 12 | 48045 | 33/100 |
Most distressed Macomb, MI ZIPs (0-100, 2026)
Mortgage delinquency in Macomb, MI
1.0% of Macomb, MI mortgages were ninety-plus days late (Macomb, MI, December 2025); Macomb, MI thirty-to-eighty-nine days late: 2.4%; Macomb, MI twelve-month change +0.3%; Macomb, MI peak since 2008: 5.6% (January 2010); Michigan overall 0.9%. Macomb, MI ninety-day series: Dec 24 0.7, Jan 25 0.8, Feb 25 0.7 (Macomb, MI), Mar 25 0.8, Apr 25 0.7, May 25 0.8 (Macomb, MI), Jun 25 0.9, Jul 25 0.7, Aug 25 0.7 (Macomb, MI), Sep 25 0.9, Oct 25 0.8, Nov 25 0.9 (Macomb, MI), Dec 25 1.0.
Opportunity index: Macomb, MI
Macomb, MI index 30.4, Macomb, MI phase watchlist; Macomb, MI primary driver construction, Macomb, MI second driver bank institutional. Macomb, MI components: property stress 12.0, foreclosure pressure 8.5, listing discounts 45.7, bank stress 62.3, insurance 0.0; Macomb, MI pulse 31.2; Macomb, MI capital opportunity 29.3; Macomb, MI seven-day change +0.4%.
ZIP market phases inside Macomb, MI
39 Macomb, MI ZIPs carry a price-cycle phase; Macomb, MI ZIPs by phase (Macomb, MI), deepest drawdown first: peak, +4.2% YoY (Macomb, MI): 48005, 48015, 48021, 48026, Macomb, MI 48035, 48036, 48038, 48041, Macomb, MI 48042, 48043, 48044, 48045, Macomb, MI 48047, 48048, 48050, 48051.
Residential listings by Macomb, MI ZIP
Macomb, MI ZIPs with the most tracked Macomb, MI residential listings: 48044 68 listings, 3 candidates, bank pressure 65; 48021 59 listings, 7 candidates, bank pressure 65; 48038 59 listings, 9 candidates, bank pressure 65; 48310 56 listings, 5 candidates, bank pressure 65 (Macomb, MI); 48066 55 listings, 6 candidates, bank pressure 65; 48093 47 listings, 9 candidates, bank pressure 65; 48042 46 listings, 2 candidates, bank pressure 65; 48035 45 listings, 5 candidates, bank pressure 65. Macomb, MI totals: 1,186 listings; Macomb, MI candidates 119; active ZIPs 36.
HUD assisted housing in Macomb, MI
32 assisted properties with 3,822 units sit in Macomb, MI; largest Macomb, MI properties: Georgetown Commons Apartments (Clinton Township) 360 units; Clinton Place (Mount Clemens) 283 units, 283 assisted; The Preserves Phase Ii & Iv (Sterling Heights) 242 units in Macomb, MI; The Preserves Phase I (Sterling Heights) 194 units; Clinton Manor Apartments (Harrison Township) 192 units; Eastbrooke Apartments (Warren) 176 units.
Lenders with branches in Macomb, MI
Macomb, MI lenders by branch count: First State Bank (Macomb, MI): stress 67, 10 branches low in Macomb, MI; Independent Bank (Macomb, MI): stress 67, 2 branches low in Macomb, MI; Northstar Bank (Macomb, MI): stress 69, 1 branch low in Macomb, MI; Choiceone Bank (Macomb, MI): stress 60, 1 branch low in Macomb, MI; Tri-County Bank (Macomb, MI): stress 34, 1 branch low in Macomb, MI.
Vacancy and permits, Macomb, MI
14,745 of 373,413 Macomb, MI housing units are vacant; Macomb, MI permits, twelve months: 554 multifamily units in Macomb, MI, 1,026 one-to-four unit units.
Work Macomb, MI at the parcel level
Every Macomb, MI parcel carries owner and address; every Macomb, MI parcel carries APN; Macomb, MI distress scores sit on the Macomb, MI live board.
Macomb, MI figures refresh with each source.
Macomb, MI questions
Most distressed ZIP code in Macomb County, MI?
ZIP 48236 leads Macomb, MI at 34/100; next in Macomb, MI: 48005 at 33/100; the Macomb, MI average is 33/100.
Where does Macomb County, MI rank for investment opportunity?
Macomb, MI is #1,223 among all ranked counties, #43 in Michigan; the Macomb, MI driver is construction; Macomb, MI moved up 826 places.
How many mortgages are delinquent in Macomb County, MI?
1.0% of Macomb, MI mortgages were ninety-plus days late in December 2025; the Macomb, MI peak since 2008 was 5.6%.
Which banks lend in Macomb County, MI?
5 watched lenders hold Macomb, MI branches; the largest Macomb, MI footprints are First State Bank (10), Independent Bank (2), Northstar Bank (1).
More on Macomb, MI
Macomb County, MI distress report: public-record figures for Macomb, MI; not legal advice for Macomb, MI; not tax or investment advice; verify every Macomb, MI record before acting.