Muskegon County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Muskegon County, MI distress report, 2026: 21 ZIPs scored in Muskegon, MI, Muskegon, MI average 26/100; the top Muskegon, MI ZIP is 49303 at 28/100; Muskegon, MI market phase peak, Muskegon, MI prices +2.1% year over year.
- Muskegon, MI ranks #1,116 nationally (opportunity index); Muskegon, MI #37 in Michigan; Muskegon, MI index 30.8.
- Muskegon, MI ninety-day mortgage delinquency 1.2% in December 2025; Muskegon, MI twelve-month change +0.4%.
- Muskegon, MI ZIP phases: 19 peak, 2 expansion.
- Muskegon, MI residential listings tracked: 24 across 14 ZIPs; Muskegon, MI candidate listings 8.
- Muskegon, MI HUD assisted properties: 16 with 1,770 units.
- Muskegon, MI lenders on watch: 3; largest Muskegon, MI footprint Choiceone Bank (5 branches).
- Muskegon, MI most distressed ZIP: 49303 at 28/100.
Muskegon, MI figures: DLRadar distress index; Muskegon, MI inputs: CFPB, FHFA, HUD, FDIC; Muskegon, MI rebuilt as sources refresh.
| Rank | Muskegon, MI ZIP | Score |
|---|---|---|
| 1 | 49303 | 28/100 |
| 2 | 49415 | 28/100 |
| 3 | 49440 | 28/100 |
| 4 | 49441 | 28/100 |
| 5 | 49442 | 28/100 |
| 6 | 49443 | 28/100 |
| 7 | 49444 | 28/100 |
| 8 | 49445 | 28/100 |
| 9 | 49451 | 28/100 |
| 10 | 49457 | 28/100 |
| 11 | 49461 | 28/100 |
| 12 | 49318 | 27/100 |
Most distressed Muskegon, MI ZIPs (0-100, 2026)
Mortgage delinquency in Muskegon, MI
1.2% of Muskegon, MI mortgages were ninety-plus days late (Muskegon, MI, December 2025); Muskegon, MI thirty-to-eighty-nine days late: 3.6%; Muskegon, MI twelve-month change +0.4%; Muskegon, MI peak since 2008: 5.0% (November 2009); Michigan overall 0.9%. Muskegon, MI ninety-day series: Dec 24 0.8, Jan 25 0.9, Feb 25 1.0 (Muskegon, MI), Mar 25 1.0, Apr 25 0.8, May 25 0.7 (Muskegon, MI), Jun 25 0.8, Jul 25 1.0, Aug 25 0.8 (Muskegon, MI), Sep 25 1.0, Oct 25 0.9, Nov 25 1.0 (Muskegon, MI), Dec 25 1.2.
Opportunity index: Muskegon, MI
Muskegon, MI index 30.8, Muskegon, MI phase watchlist; Muskegon, MI primary driver construction, Muskegon, MI second driver bank institutional. Muskegon, MI components: property stress 20.7, foreclosure pressure 18.2, listing discounts 30.7, bank stress 60.2, insurance 0.0; Muskegon, MI pulse 35.1; Muskegon, MI capital opportunity 24.4; Muskegon, MI seven-day change +0.3%.
ZIP market phases inside Muskegon, MI
21 Muskegon, MI ZIPs carry a price-cycle phase; Muskegon, MI ZIPs by phase (Muskegon, MI), deepest drawdown first: peak, +2.3% YoY (Muskegon, MI): 49303, 49415; peak, +2.6% YoY (Muskegon, MI): 49318; expansion, +5.4% YoY (Muskegon, MI): 49327, 49412; peak, +4.1% YoY (Muskegon, MI): 49330; peak, +3.8% YoY (Muskegon, MI): 49403, 49404; peak, +3.4% YoY (Muskegon, MI): 49425; peak, +3.5% YoY (Muskegon, MI): 49437; peak, +2.1% YoY (Muskegon, MI): 49440, 49441, 49442, 49443, Muskegon, MI 49444, 49445.
Residential listings by Muskegon, MI ZIP
Muskegon, MI ZIPs with the most tracked Muskegon, MI residential listings: 49442 8 listings, 2 candidates, bank pressure 65; 49444 4 listings, 3 candidates, bank pressure 65; 49441 3 listings, 0 candidates, bank pressure 65; 49437 2 listings, 1 candidates, bank pressure 66 (Muskegon, MI); 49457 2 listings, 1 candidates, bank pressure 63; 49461 2 listings, 0 candidates, bank pressure 65; 49415 1 listings, 0 candidates, bank pressure 63; 49425 1 listings, 0 candidates, bank pressure 64. Muskegon, MI totals: 24 listings; Muskegon, MI candidates 8; active ZIPs 8.
HUD assisted housing in Muskegon, MI
16 assisted properties with 1,770 units sit in Muskegon, MI; largest Muskegon, MI properties: Muskegon Townhouses (Muskegon) 213 units; Bayview Tower (Muskegon) 200 units, 200 assisted; Pine Grove Manor (Muskegon) 172 units in Muskegon, MI; Jefferson Towers (Muskegon) 156 units; Barclay Village Apartments And Townhomes (Muskegon) 147 units; Beverly Hills Apartments (North Muskegon) 138 units.
Lenders with branches in Muskegon, MI
Muskegon, MI lenders by branch count: Choiceone Bank (Muskegon, MI): stress 60, 5 branches low in Muskegon, MI; Shelby State Bank (Muskegon, MI): stress 79, 4 branches low in Muskegon, MI; Independent Bank (Muskegon, MI): stress 67, 1 branch moderate in Muskegon, MI.
Vacancy and permits, Muskegon, MI
7,534 of 75,266 Muskegon, MI housing units are vacant; Muskegon, MI permits, twelve months: 19 multifamily units in Muskegon, MI, 349 one-to-four unit units.
Work Muskegon, MI at the parcel level
Every Muskegon, MI parcel carries owner and address; every Muskegon, MI parcel carries APN; Muskegon, MI distress scores sit on the Muskegon, MI live board.
Muskegon, MI figures refresh with each source.
Muskegon, MI questions
Most distressed ZIP code in Muskegon County, MI?
ZIP 49303 leads Muskegon, MI at 28/100; next in Muskegon, MI: 49415 at 28/100; the Muskegon, MI average is 26/100.
Where does Muskegon County, MI rank for investment opportunity?
Muskegon, MI is #1,116 among all ranked counties, #37 in Michigan; the Muskegon, MI driver is construction; Muskegon, MI moved up 67 places.
How many mortgages are delinquent in Muskegon County, MI?
1.2% of Muskegon, MI mortgages were ninety-plus days late in December 2025; the Muskegon, MI peak since 2008 was 5.0%.
Which banks lend in Muskegon County, MI?
3 watched lenders hold Muskegon, MI branches; the largest Muskegon, MI footprints are Choiceone Bank (5), Shelby State Bank (4), Independent Bank (1).
More on Muskegon, MI
Muskegon County, MI distress report: public-record figures for Muskegon, MI; not legal advice for Muskegon, MI; not tax or investment advice; verify every Muskegon, MI record before acting.