Oakland County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Oakland County, MI distress report, 2026: 71 ZIPs scored in Oakland, MI, Oakland, MI average 31/100; the top Oakland, MI ZIP is 48009 at 32/100; Oakland, MI market phase peak, Oakland, MI prices +4.2% year over year.
- Oakland, MI ranks #1,017 nationally (opportunity index); Oakland, MI #32 in Michigan; Oakland, MI index 31.1.
- Oakland, MI ninety-day mortgage delinquency 0.6% in December 2025; Oakland, MI twelve-month change +0.2%.
- Oakland, MI ZIP phases: 71 peak.
- Oakland, MI residential listings tracked: 3,092 across 60 ZIPs; Oakland, MI candidate listings 401.
- Oakland, MI HUD assisted properties: 69 with 10,430 units.
- Oakland, MI lenders on watch: 8; largest Oakland, MI footprint Oxford Bank (6 branches).
- Oakland, MI most distressed ZIP: 48009 at 32/100.
Oakland, MI figures: DLRadar distress index; Oakland, MI inputs: CFPB, FHFA, HUD, FDIC; Oakland, MI rebuilt as sources refresh.
| Rank | Oakland, MI ZIP | Score |
|---|---|---|
| 1 | 48009 | 32/100 |
| 2 | 48017 | 32/100 |
| 3 | 48025 | 32/100 |
| 4 | 48030 | 32/100 |
| 5 | 48033 | 32/100 |
| 6 | 48034 | 32/100 |
| 7 | 48067 | 32/100 |
| 8 | 48069 | 32/100 |
| 9 | 48070 | 32/100 |
| 10 | 48071 | 32/100 |
| 11 | 48072 | 32/100 |
| 12 | 48073 | 32/100 |
Most distressed Oakland, MI ZIPs (0-100, 2026)
Mortgage delinquency in Oakland, MI
0.6% of Oakland, MI mortgages were ninety-plus days late (Oakland, MI, December 2025); Oakland, MI thirty-to-eighty-nine days late: 1.5%; Oakland, MI twelve-month change +0.2%; Oakland, MI peak since 2008: 4.8% (December 2009); Michigan overall 0.9%. Oakland, MI ninety-day series: Dec 24 0.4, Jan 25 0.5, Feb 25 0.5 (Oakland, MI), Mar 25 0.5, Apr 25 0.5, May 25 0.5 (Oakland, MI), Jun 25 0.5, Jul 25 0.5, Aug 25 0.6 (Oakland, MI), Sep 25 0.5, Oct 25 0.5, Nov 25 0.5 (Oakland, MI), Dec 25 0.6.
Opportunity index: Oakland, MI
Oakland, MI index 31.1, Oakland, MI phase watchlist; Oakland, MI primary driver bank institutional, Oakland, MI second driver construction. Oakland, MI components: property stress 14.0, foreclosure pressure 11.0, listing discounts 44.2, bank stress 59.3, insurance 0.0; Oakland, MI pulse 31.0; Oakland, MI capital opportunity 31.2; Oakland, MI seven-day change +0.4%.
ZIP market phases inside Oakland, MI
71 Oakland, MI ZIPs carry a price-cycle phase; Oakland, MI ZIPs by phase (Oakland, MI), deepest drawdown first: peak, +4.2% YoY (Oakland, MI): 48009, 48017, 48025, 48030, Oakland, MI 48033, 48034, 48067, 48069, Oakland, MI 48070, 48071, 48072, 48073, Oakland, MI 48075, 48076, 48083, 48084.
Residential listings by Oakland, MI ZIP
Oakland, MI ZIPs with the most tracked Oakland, MI residential listings: 48067 138 listings, 10 candidates, bank pressure 59; 48073 135 listings, 17 candidates, bank pressure 59; 48167 115 listings, 24 candidates, bank pressure 60; 48375 89 listings, 13 candidates, bank pressure 59 (Oakland, MI); 48178 88 listings, 14 candidates, bank pressure 61; 48336 87 listings, 17 candidates, bank pressure 59; 48331 75 listings, 6 candidates, bank pressure 59; 48307 74 listings, 8 candidates, bank pressure 59. Oakland, MI totals: 3,092 listings; Oakland, MI candidates 401; active ZIPs 60.
HUD assisted housing in Oakland, MI
69 assisted properties with 10,430 units sit in Oakland, MI; largest Oakland, MI properties: The Gables Of Troy (Troy) 544 units; The Essex At Hampton (Rochester Hills) 442 units; Saddle Creek Apartments (Novi) 400 units in Oakland, MI; Solaire Apartments (Southfield) 380 units; Fairmont Park Apartments (Farmington Hills) 377 units; Great Oaks Apartments (Rochester) 358 units.
Lenders with branches in Oakland, MI
Oakland, MI lenders by branch count: Oxford Bank (Oakland, MI): stress 64, 6 branches low in Oakland, MI; Huron Valley State Bank (Oakland, MI): stress 73, 3 branches low in Oakland, MI; Independent Bank (Oakland, MI): stress 67, 3 branches low in Oakland, MI; Superior National Bank (Oakland, MI): stress 62, 2 branches low in Oakland, MI; Citizens State Bank (Oakland, MI): stress 60, 2 branches low in Oakland, MI; Bank Of Ann Arbor (Oakland, MI): stress 36, 2 branches low in Oakland, MI; Mi Bank (Oakland, MI): stress 75, 1 branch low in Oakland, MI; First State Bank (Oakland, MI): stress 67, 1 branch low in Oakland, MI.
Vacancy and permits, Oakland, MI
30,888 of 561,348 Oakland, MI housing units are vacant; Oakland, MI permits, twelve months: 544 multifamily units in Oakland, MI, 1,649 one-to-four unit units.
Work Oakland, MI at the parcel level
Every Oakland, MI parcel carries owner and address; every Oakland, MI parcel carries APN; Oakland, MI distress scores sit on the Oakland, MI live board.
Oakland, MI figures refresh with each source.
Oakland, MI questions
Most distressed ZIP code in Oakland County, MI?
ZIP 48009 leads Oakland, MI at 32/100; next in Oakland, MI: 48017 at 32/100; the Oakland, MI average is 31/100.
Where does Oakland County, MI rank for investment opportunity?
Oakland, MI is #1,017 among all ranked counties, #32 in Michigan; the Oakland, MI driver is bank institutional; Oakland, MI moved up 1,077 places.
How many mortgages are delinquent in Oakland County, MI?
0.6% of Oakland, MI mortgages were ninety-plus days late in December 2025; the Oakland, MI peak since 2008 was 4.8%.
Which banks lend in Oakland County, MI?
8 watched lenders hold Oakland, MI branches; the largest Oakland, MI footprints are Oxford Bank (6), Huron Valley State Bank (3), Independent Bank (3).
More on Oakland, MI
Oakland County, MI distress report: public-record figures for Oakland, MI; not legal advice for Oakland, MI; not tax or investment advice; verify every Oakland, MI record before acting.