Montmorency County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Montmorency County, Michigan? DLRadar grades every Montmorency County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 12/100. Here is the 2026 Montmorency County breakdown.
- Montmorency County's most distressed ZIP is 48619 at 12/100.
- 5 ZIP codes tracked in Montmorency County, averaging 10/100 distress.
- Montmorency County reads expansion — home values up 5.5% year over year.
- Vacancy runs 48.6% across Montmorency County's tracked ZIPs, with a 14.4% poverty rate.
- The typical Montmorency County home is worth about $166,980 against a ~$50,045 median income.
- Lending headwind in Montmorency County sits at 24/100 — a forward read on distressed supply.
Data drawn from the DLRadar distress index, recomputed monthly from public filings. Cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 48619 | 12/100 |
| 2 | 49746 | 12/100 |
| 3 | 49756 | 12/100 |
| 4 | 49751 | 9/100 |
| 5 | 49709 | 7/100 |
Most distressed ZIP codes in Montmorency County (composite distress 0-100, 2026)
What is driving Montmorency County distress
Montmorency County's placement in the national index rests on public filings — a 10/100 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.
Montmorency County market phase and pricing
Phase for Montmorency County: expansion (+5.5% YoY). As pricing power fades, listings sit longer and sellers become reachable.
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Frequently asked
Which part of Montmorency County, MI scores highest for distress?
ZIP 48619 leads Montmorency County at 12/100, recomputed monthly from public records.
What stage of the price cycle is Montmorency County at?
Montmorency County currently sits in expansion, with values up 5.5% year on year, based on FHFA price-index trajectory.
Can the Montmorency County figures be verified?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 5 Montmorency County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Montmorency County ZIP codes?
The county figure is a blend, not a description. Across the Montmorency County ZIPs DLRadar ranks, scores run from 12/100 in 48619 down to 7/100 in 49709, against a Montmorency County average of 10/100. That 5-point gap is why acquisition targeting in Montmorency County works at ZIP level rather than county level.
What do Montmorency County home values and vacancy say about distressed supply?
The typical Montmorency County home carries about $166,980 of value against a median household income near $50,045. Vacancy across Montmorency County's tracked ZIPs runs 48.6% and the poverty rate is 14.4%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Montmorency County's foreclosure and tax-lien filings and its 24/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.