Oakland County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Oakland County, Michigan? DLRadar grades every Oakland County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 33/100. Here is the 2026 Oakland County breakdown.
- Oakland County's most distressed ZIP is 48009 at 33/100.
- 71 ZIP codes tracked in Oakland County, averaging 32/100 distress.
- Oakland County reads peak — home values up 4.2% year over year.
- Vacancy runs 5.1% across Oakland County's tracked ZIPs, with a 7.3% poverty rate.
- The typical Oakland County home is worth about $364,418 against a ~$104,230 median income.
- Lending headwind in Oakland County sits at 64/100 — 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 | 48009 | 33/100 |
| 2 | 48017 | 33/100 |
| 3 | 48025 | 33/100 |
| 4 | 48030 | 33/100 |
| 5 | 48033 | 33/100 |
| 6 | 48034 | 33/100 |
| 7 | 48067 | 33/100 |
| 8 | 48069 | 33/100 |
| 9 | 48070 | 33/100 |
| 10 | 48071 | 33/100 |
| 11 | 48072 | 33/100 |
| 12 | 48073 | 33/100 |
Most distressed ZIP codes in Oakland County (composite distress 0-100, 2026)
What is driving Oakland County distress
Nothing here is estimated: Oakland County is scored from filings alone, and its ZIPs average 32/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Oakland County market phase and pricing
Phase for Oakland County: peak (+4.2% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Oakland County
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What people ask
Where is distress highest inside Oakland County, MI?
ZIP 48009 leads Oakland County at 33/100, recomputed monthly from public records.
Is Oakland County expanding or contracting?
Phase for Oakland County: peak, tracking a 4.2% gain year over year, read off the FHFA index.
Can the Oakland County figures be verified?
Each Oakland County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 71 local ZIPs and every other county in the country.
How much do distress scores vary between Oakland County ZIP codes?
Averaging the county conceals how uneven it is. Across the Oakland County ZIPs DLRadar ranks, scores run from 33/100 in 48009 down to 33/100 in 48073, against a Oakland County average of 32/100. Those 0 points separate the ZIPs worth working in Oakland County from the rest.
What do Oakland County home values and vacancy say about distressed supply?
The typical Oakland County home carries about $364,418 of value against a median household income near $104,230. Vacancy across Oakland County's tracked ZIPs runs 5.1% and the poverty rate is 7.3%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Oakland County's filings and its 64/100 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.