Osceola County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Osceola County, Michigan? DLRadar grades every Osceola County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 21/100. Here is the 2026 Osceola County breakdown.
- Osceola County's most distressed ZIP is 49338 at 21/100.
- 9 ZIP codes tracked in Osceola County, averaging 17/100 distress.
- Osceola County reads expansion — home values up 5.5% year over year.
- Vacancy runs 31.7% across Osceola County's tracked ZIPs, with a 15.9% poverty rate.
- The typical Osceola County home is worth about $159,544 against a ~$56,747 median income.
- Lending headwind in Osceola County sits at 40/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 49338 | 21/100 |
| 2 | 49631 | 18/100 |
| 3 | 49639 | 18/100 |
| 4 | 49665 | 18/100 |
| 5 | 49679 | 18/100 |
| 6 | 49655 | 17/100 |
| 7 | 49688 | 17/100 |
| 8 | 49677 | 15/100 |
| 9 | 48632 | 13/100 |
Most distressed ZIP codes in Osceola County (composite distress 0-100, 2026)
What is driving Osceola County distress
Osceola County's placement in the national index rests on public filings — a 17/100 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.
Osceola County market phase and pricing
Osceola County currently sits in expansion after a 5.5% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Osceola County
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Common questions
Where is distress highest inside Osceola County, MI?
ZIP 49338 leads Osceola County at 21/100, recomputed monthly from public records.
Where is Osceola County in the housing cycle?
The market phase for Osceola County is expansion, prices rising 5.5% on the year — derived from the FHFA House Price Index path.
What is this Osceola County analysis built from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 9 Osceola County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Osceola County ZIP codes?
One county number flattens a wide range. Across the Osceola County ZIPs DLRadar ranks, scores run from 21/100 in 49338 down to 13/100 in 48632, against a Osceola County average of 17/100. Because the gap runs to 8 points, Osceola County rewards ZIP-level precision.
What do Osceola County home values and vacancy say about distressed supply?
The typical Osceola County home carries about $159,544 of value against a median household income near $56,747. Vacancy across Osceola County's tracked ZIPs runs 31.7% and the poverty rate is 15.9%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Osceola County's foreclosure and tax-lien filings and its 40/100 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.