Oceana County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Oceana County, MI distress report, 2026: 12 ZIPs scored in Oceana, MI, Oceana, MI average 21/100; the top Oceana, MI ZIP is 49425 at 26/100; Oceana, MI market phase expansion, Oceana, MI prices +5.5% year over year.
- Oceana, MI ranks #1,088 nationally (opportunity index); Oceana, MI #36 in Michigan; Oceana, MI index 30.9.
- Oceana, MI: no CFPB county sample; Oceana, MI non-metro area reading 1.0%.
- Oceana, MI ZIP phases: 9 expansion, 3 peak.
- Oceana, MI residential listings tracked: 7 across 8 ZIPs; Oceana, MI candidate listings 2.
- Oceana, MI lenders on watch: 3; largest Oceana, MI footprint Shelby State Bank (4 branches).
- Oceana, MI most distressed ZIP: 49425 at 26/100.
Oceana, MI figures: DLRadar distress index; Oceana, MI inputs: CFPB, FHFA, HUD, FDIC; Oceana, MI rebuilt as sources refresh.
| Rank | Oceana, MI ZIP | Score |
|---|---|---|
| 1 | 49425 | 26/100 |
| 2 | 49437 | 26/100 |
| 3 | 49412 | 22/100 |
| 4 | 49420 | 22/100 |
| 5 | 49421 | 22/100 |
| 6 | 49436 | 22/100 |
| 7 | 49446 | 22/100 |
| 8 | 49452 | 22/100 |
| 9 | 49455 | 22/100 |
| 10 | 49459 | 22/100 |
| 11 | 49449 | 17/100 |
| 12 | 49402 | 9/100 |
Most distressed Oceana, MI ZIPs (0-100, 2026)
Mortgage delinquency around Oceana, MI
No CFPB county sample covers Oceana, MI; the non-metro area reading for Oceana, MI: 1.0% ninety-plus; Oceana, MI area thirty-to-eighty-nine 2.6% (December 2025, Oceana, MI); Michigan overall 0.9%.
Opportunity index: Oceana, MI
Oceana, MI index 30.9, Oceana, MI phase early_signal; Oceana, MI primary driver vacancy, Oceana, MI second driver bank institutional. Oceana, MI components: property stress 24.5, foreclosure pressure 24.3, listing discounts 13.3, bank stress 62.2, insurance 0.0; Oceana, MI pulse 39.6; Oceana, MI capital opportunity 17.8; Oceana, MI seven-day change +0.2%.
ZIP market phases inside Oceana, MI
12 Oceana, MI ZIPs carry a price-cycle phase; Oceana, MI ZIPs by phase (Oceana, MI), deepest drawdown first: peak, +4.9% YoY (Oceana, MI): 49402; expansion, +5.4% YoY (Oceana, MI): 49412; expansion, +5.5% YoY (Oceana, MI): 49420, 49421, 49436, 49446, Oceana, MI 49452, 49455, 49459; peak, +3.4% YoY (Oceana, MI): 49425; peak, +3.5% YoY (Oceana, MI): 49437; expansion, +5.1% YoY (Oceana, MI): 49449.
Residential listings by Oceana, MI ZIP
Oceana, MI ZIPs with the most tracked Oceana, MI residential listings: 49420 1 listings, 0 candidates, bank pressure 67; 49436 1 listings, 0 candidates, bank pressure 67; 49446 1 listings, 1 candidates, bank pressure 67; 49449 1 listings, 1 candidates, bank pressure 68 (Oceana, MI); 49452 1 listings, 0 candidates, bank pressure 67; 49455 1 listings, 0 candidates, bank pressure 67; 49459 1 listings, 0 candidates, bank pressure 63; 49421 0 listings, 0 candidates, bank pressure 63. Oceana, MI totals: 7 listings; Oceana, MI candidates 2; active ZIPs 5.
Lenders with branches in Oceana, MI
Oceana, MI lenders by branch count: Shelby State Bank (Oceana, MI): stress 79, 4 branches low in Oceana, MI; West Shore Bank (Oceana, MI): stress 76, 1 branch low in Oceana, MI; Lake-Osceola State Bank (Oceana, MI): stress 55, 1 branch low in Oceana, MI.
Vacancy and permits, Oceana, MI
5,304 of 15,723 Oceana, MI housing units are vacant; Oceana, MI permits, twelve months: 0 multifamily units in Oceana, MI, 135 one-to-four unit units.
Work Oceana, MI at the parcel level
Every Oceana, MI parcel carries owner and address; every Oceana, MI parcel carries APN; Oceana, MI distress scores sit on the Oceana, MI live board.
Oceana, MI figures refresh with each source.
Oceana, MI questions
Most distressed ZIP code in Oceana County, MI?
ZIP 49425 leads Oceana, MI at 26/100; next in Oceana, MI: 49437 at 26/100; the Oceana, MI average is 21/100.
Where does Oceana County, MI rank for investment opportunity?
Oceana, MI is #1,088 among all ranked counties, #36 in Michigan; the Oceana, MI driver is vacancy; Oceana, MI moved down 777 places.
How many mortgages are delinquent in Oceana County, MI?
Oceana, MI takes the non-metro area reading of 1.0% for December 2025; no CFPB county sample covers Oceana, MI.
Which banks lend in Oceana County, MI?
3 watched lenders hold Oceana, MI branches; the largest Oceana, MI footprints are Shelby State Bank (4), West Shore Bank (1), Lake-Osceola State Bank (1).
More on Oceana, MI
Oceana County, MI distress report: public-record figures for Oceana, MI; not legal advice for Oceana, MI; not tax or investment advice; verify every Oceana, MI record before acting.