Montcalm County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Montcalm County, Michigan? DLRadar grades every Montcalm County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Montcalm County breakdown.
- Montcalm County's most distressed ZIP is 48809 at 25/100.
- 25 ZIP codes tracked in Montcalm County, averaging 23/100 distress.
- Montcalm County reads peak — home values up 3.9% year over year.
- Vacancy runs 16% across Montcalm County's tracked ZIPs, with a 12.7% poverty rate.
- The typical Montcalm County home is worth about $180,324 against a ~$66,003 median income.
- Lending headwind in Montcalm County sits at 47/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 48809 | 25/100 |
| 2 | 49326 | 25/100 |
| 3 | 48834 | 24/100 |
| 4 | 49343 | 24/100 |
| 5 | 48818 | 23/100 |
| 6 | 48829 | 23/100 |
| 7 | 48838 | 23/100 |
| 8 | 48850 | 23/100 |
| 9 | 48852 | 23/100 |
| 10 | 48884 | 23/100 |
| 11 | 48885 | 23/100 |
| 12 | 48886 | 23/100 |
Most distressed ZIP codes in Montcalm County (composite distress 0-100, 2026)
What is driving Montcalm County distress
Montcalm County's placement in the national index rests on public filings — a 23/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Montcalm County market phase and pricing
The cycle in Montcalm County is peak, with values up 3.9% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Montcalm County
Everything summarised here for Montcalm County is free. Start a trial to see the scored parcels, owners and filings underneath — nothing charged today.
No card required · full read access to live data for 60 minutes.
Questions about this county
Which Montcalm County ZIP scores worst for distress?
ZIP 48809 leads Montcalm County at 25/100, recomputed monthly from public records.
Is Montcalm County expanding or contracting?
Montcalm County is classified peak with a 3.9% year-over-year increase, following the FHFA House Price Index.
Can the Montcalm County figures be verified?
Every Montcalm 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 25 Montcalm County ZIP codes that it runs on every other U.S. county, so Montcalm County's numbers are directly comparable to any other market.
How much do distress scores vary between Montcalm County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Montcalm County ZIPs DLRadar ranks, scores run from 25/100 in 48809 down to 23/100 in 48886, against a Montcalm County average of 23/100. A spread of 2 points means Montcalm County has to be worked ZIP by ZIP.
What do Montcalm County home values and vacancy say about distressed supply?
The typical Montcalm County home carries about $180,324 of value against a median household income near $66,003. Vacancy across Montcalm County's tracked ZIPs runs 16% and the poverty rate is 12.7%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Montcalm County's foreclosure and lien data and its 47/100 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.