Montcalm County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Montcalm County, MI distress report, 2026: 25 ZIPs scored in Montcalm, MI, Montcalm, MI average 24/100; the top Montcalm, MI ZIP is 49326 at 26/100; Montcalm, MI market phase peak, Montcalm, MI prices +3.9% year over year.
- Montcalm, MI ranks #2,060 nationally (opportunity index); Montcalm, MI #61 in Michigan; Montcalm, MI index 27.5.
- Montcalm, MI: no CFPB county sample; Montcalm, MI metro area reading 0.6%.
- Montcalm, MI ZIP phases: 24 peak, 1 expansion.
- Montcalm, MI residential listings tracked: 9 across 16 ZIPs; Montcalm, MI candidate listings 3.
- Montcalm, MI HUD assisted properties: 1 with 0 units.
- Montcalm, MI lenders on watch: 5; largest Montcalm, MI footprint Isabella Bank (3 branches).
- Montcalm, MI most distressed ZIP: 49326 at 26/100.
Montcalm, MI figures: DLRadar distress index; Montcalm, MI inputs: CFPB, FHFA, HUD, FDIC; Montcalm, MI rebuilt as sources refresh.
| Rank | Montcalm, MI ZIP | Score |
|---|---|---|
| 1 | 49326 | 26/100 |
| 2 | 48818 | 25/100 |
| 3 | 48834 | 25/100 |
| 4 | 48850 | 25/100 |
| 5 | 48852 | 25/100 |
| 6 | 48884 | 25/100 |
| 7 | 48885 | 25/100 |
| 8 | 48886 | 25/100 |
| 9 | 48888 | 25/100 |
| 10 | 48889 | 25/100 |
| 11 | 48891 | 25/100 |
| 12 | 49322 | 25/100 |
Most distressed Montcalm, MI ZIPs (0-100, 2026)
Mortgage delinquency around Montcalm, MI
No CFPB county sample covers Montcalm, MI; the metro area reading for Montcalm, MI (Grand Rapids-Wyoming-Kentwood, MI): 0.6% ninety-plus; Montcalm, MI area thirty-to-eighty-nine 1.9% (December 2025, Montcalm, MI); Michigan overall 0.9%.
Opportunity index: Montcalm, MI
Montcalm, MI index 27.5, Montcalm, MI phase weak; Montcalm, MI primary driver vacancy, Montcalm, MI second driver bank institutional. Montcalm, MI components: property stress 19.4, foreclosure pressure 18.5, listing discounts 16.0, bank stress 57.5, insurance 0.0; Montcalm, MI pulse 33.3; Montcalm, MI capital opportunity 18.8; Montcalm, MI seven-day change +0.5%.
ZIP market phases inside Montcalm, MI
25 Montcalm, MI ZIPs carry a price-cycle phase; Montcalm, MI ZIPs by phase (Montcalm, MI), deepest drawdown first: peak, +3.9% YoY (Montcalm, MI): 48809, 48818, 48834, 48838, Montcalm, MI 48852, 48884, 48885, 48888, Montcalm, MI 48891; peak, +4.0% YoY (Montcalm, MI): 48811, 48829, 48850, 48886; peak, +4.2% YoY (Montcalm, MI): 48845, 48889; peak, +4.1% YoY (Montcalm, MI): 48877.
Residential listings by Montcalm, MI ZIP
Montcalm, MI ZIPs with the most tracked Montcalm, MI residential listings: 48818 3 listings, 3 candidates, bank pressure 62; 48838 3 listings, 0 candidates, bank pressure 64; 49347 2 listings, 0 candidates, bank pressure 63; 48850 1 listings, 0 candidates, bank pressure 61 (Montcalm, MI); 48811 0 listings, 0 candidates, bank pressure 62; 48829 0 listings, 0 candidates, bank pressure 62; 48834 0 listings, 0 candidates, bank pressure 63; 48852 0 listings, 0 candidates, bank pressure 62. Montcalm, MI totals: 9 listings; Montcalm, MI candidates 3; active ZIPs 3.
HUD assisted housing in Montcalm, MI
1 assisted properties with 0 units sit in Montcalm, MI; largest Montcalm, MI properties: Central Park Apartments (Greenville) 0 units.
Lenders with branches in Montcalm, MI
Montcalm, MI lenders by branch count: Isabella Bank (Montcalm, MI): stress 73, 3 branches low in Montcalm, MI; Sidney State Bank (Montcalm, MI): stress 53, 3 branches low in Montcalm, MI; Mercantile Bank (Montcalm, MI): stress 52, 3 branches low in Montcalm, MI; Independent Bank (Montcalm, MI): stress 67, 2 branches low in Montcalm, MI; Commercial Bank (Montcalm, MI): stress 64, 1 branch low in Montcalm, MI.
Vacancy and permits, Montcalm, MI
3,636 of 28,147 Montcalm, MI housing units are vacant; Montcalm, MI permits, twelve months: 9 multifamily units in Montcalm, MI, 209 one-to-four unit units.
Work Montcalm, MI at the parcel level
Every Montcalm, MI parcel carries owner and address; every Montcalm, MI parcel carries APN; Montcalm, MI distress scores sit on the Montcalm, MI live board.
Montcalm, MI figures refresh with each source.
Montcalm, MI questions
Most distressed ZIP code in Montcalm County, MI?
ZIP 49326 leads Montcalm, MI at 26/100; next in Montcalm, MI: 48818 at 25/100; the Montcalm, MI average is 24/100.
Where does Montcalm County, MI rank for investment opportunity?
Montcalm, MI is #2,060 among all ranked counties, #61 in Michigan; the Montcalm, MI driver is vacancy; Montcalm, MI moved down 510 places.
How many mortgages are delinquent in Montcalm County, MI?
Montcalm, MI takes the metro area reading of 0.6% for December 2025; no CFPB county sample covers Montcalm, MI.
Which banks lend in Montcalm County, MI?
5 watched lenders hold Montcalm, MI branches; the largest Montcalm, MI footprints are Isabella Bank (3), Sidney State Bank (3), Mercantile Bank (3).
More on Montcalm, MI
Montcalm County, MI distress report: public-record figures for Montcalm, MI; not legal advice for Montcalm, MI; not tax or investment advice; verify every Montcalm, MI record before acting.