Oceana County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Oceana County, Michigan? DLRadar grades every Oceana County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 23/100. Here is the 2026 Oceana County breakdown.
- Oceana County's most distressed ZIP is 49425 at 23/100.
- 12 ZIP codes tracked in Oceana County, averaging 18/100 distress.
- Oceana County reads expansion — home values up 5.5% year over year.
- Vacancy runs 30.7% across Oceana County's tracked ZIPs, with a 13.7% poverty rate.
- The typical Oceana County home is worth about $189,842 against a ~$64,081 median income.
- Lending headwind in Oceana County sits at 72/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 49425 | 23/100 |
| 2 | 49437 | 22/100 |
| 3 | 49412 | 20/100 |
| 4 | 49421 | 19/100 |
| 5 | 49459 | 19/100 |
| 6 | 49420 | 18/100 |
| 7 | 49436 | 18/100 |
| 8 | 49446 | 18/100 |
| 9 | 49452 | 18/100 |
| 10 | 49455 | 18/100 |
| 11 | 49449 | 15/100 |
| 12 | 49402 | 8/100 |
Most distressed ZIP codes in Oceana County (composite distress 0-100, 2026)
What is driving Oceana County distress
Oceana County's placement in the national index rests on public filings — a 18/100 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.
Oceana County market phase and pricing
Oceana County reads expansion — home prices rose 5.5% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Oceana County
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Common questions
Which Oceana County ZIP scores worst for distress?
ZIP 49425 leads Oceana County at 23/100, recomputed monthly from public records.
What stage of the price cycle is Oceana County at?
FHFA price-index movement places Oceana County in expansion; prices are up 5.5% over twelve months.
What are the sources behind these Oceana County numbers?
Every Oceana County figure traces to a public source — FHFA House Price Index for the expansion trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 12 Oceana County ZIP codes that it runs on every other U.S. county, so Oceana County's numbers are directly comparable to any other market.
How much do distress scores vary between Oceana County ZIP codes?
One county number flattens a wide range. Across the Oceana County ZIPs DLRadar ranks, scores run from 23/100 in 49425 down to 8/100 in 49402, against a Oceana County average of 18/100. The 15-point range is the argument for ZIP-level search across Oceana County.
What do Oceana County home values and vacancy say about distressed supply?
The typical Oceana County home carries about $189,842 of value against a median household income near $64,081. Vacancy across Oceana County's tracked ZIPs runs 30.7% and the poverty rate is 13.7%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Oceana County's filings and its 72/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.