Osceola County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Osceola County, MI distress report, 2026: 9 ZIPs scored in Osceola, MI, Osceola, MI average 19/100; the top Osceola, MI ZIP is 49338 at 23/100; Osceola, MI market phase expansion, Osceola, MI prices +5.5% year over year.
- Osceola, MI ranks #195 nationally (opportunity index); Osceola, MI #9 in Michigan; Osceola, MI index 35.9.
- Osceola, MI: no CFPB county sample; Osceola, MI non-metro area reading 1.0%.
- Osceola, MI ZIP phases: 9 expansion.
- Osceola, MI residential listings tracked: 17 across 7 ZIPs; Osceola, MI candidate listings 7.
- Osceola, MI lenders on watch: 1; largest Osceola, MI footprint Lake-Osceola State Bank (4 branches).
- Osceola, MI most distressed ZIP: 49338 at 23/100.
Osceola, MI figures: DLRadar distress index; Osceola, MI inputs: CFPB, FHFA, HUD, FDIC; Osceola, MI rebuilt as sources refresh.
| Rank | Osceola, MI ZIP | Score |
|---|---|---|
| 1 | 49338 | 23/100 |
| 2 | 49631 | 19/100 |
| 3 | 49639 | 19/100 |
| 4 | 49655 | 19/100 |
| 5 | 49665 | 19/100 |
| 6 | 49679 | 19/100 |
| 7 | 49688 | 19/100 |
| 8 | 49677 | 17/100 |
| 9 | 48632 | 13/100 |
Most distressed Osceola, MI ZIPs (0-100, 2026)
Mortgage delinquency around Osceola, MI
No CFPB county sample covers Osceola, MI; the non-metro area reading for Osceola, MI: 1.0% ninety-plus; Osceola, MI area thirty-to-eighty-nine 2.6% (December 2025, Osceola, MI); Michigan overall 0.9%.
Opportunity index: Osceola, MI
Osceola, MI index 35.9, Osceola, MI phase peak_opportunity; Osceola, MI primary driver vacancy, Osceola, MI second driver bank institutional. Osceola, MI components: property stress 25.1, foreclosure pressure 25.1, listing discounts 44.5, bank stress 58.0, insurance 0.0; Osceola, MI pulse 39.1; Osceola, MI capital opportunity 31.2; Osceola, MI seven-day change +0.1%.
ZIP market phases inside Osceola, MI
9 Osceola, MI ZIPs carry a price-cycle phase; Osceola, MI ZIPs by phase (Osceola, MI), deepest drawdown first: expansion, +5.1% YoY (Osceola, MI): 48632, 49338; expansion, +5.3% YoY (Osceola, MI): 49631, 49679; expansion, +5.2% YoY (Osceola, MI): 49639; expansion, +5.5% YoY (Osceola, MI): 49655, 49677, 49688; expansion, +5.4% YoY (Osceola, MI): 49665.
Residential listings by Osceola, MI ZIP
Osceola, MI ZIPs with the most tracked Osceola, MI residential listings: 49677 5 listings, 2 candidates, bank pressure 59; 49665 4 listings, 1 candidates, bank pressure 59; 49655 3 listings, 3 candidates, bank pressure 58; 49631 2 listings, 1 candidates, bank pressure 60 (Osceola, MI); 49679 2 listings, 0 candidates, bank pressure 60; 49639 1 listings, 0 candidates, bank pressure 60; 49688 0 listings, 0 candidates, bank pressure 58. Osceola, MI totals: 17 listings; Osceola, MI candidates 7; active ZIPs 2.
Lenders with branches in Osceola, MI
Osceola, MI lenders by branch count: Lake-Osceola State Bank (Osceola, MI): stress 55, 4 branches low in Osceola, MI.
Vacancy and permits, Osceola, MI
3,282 of 12,638 Osceola, MI housing units are vacant.
Work Osceola, MI at the parcel level
Every Osceola, MI parcel carries owner and address; every Osceola, MI parcel carries APN; Osceola, MI distress scores sit on the Osceola, MI live board.
Osceola, MI figures refresh with each source.
Osceola, MI questions
Most distressed ZIP code in Osceola County, MI?
ZIP 49338 leads Osceola, MI at 23/100; next in Osceola, MI: 49631 at 19/100; the Osceola, MI average is 19/100.
Where does Osceola County, MI rank for investment opportunity?
Osceola, MI is #195 among all ranked counties, #9 in Michigan; the Osceola, MI driver is vacancy; Osceola, MI moved up 229 places.
How many mortgages are delinquent in Osceola County, MI?
Osceola, MI takes the non-metro area reading of 1.0% for December 2025; no CFPB county sample covers Osceola, MI.
Which banks lend in Osceola County, MI?
1 watched lenders hold Osceola, MI branches; the largest Osceola, MI footprints are Lake-Osceola State Bank (4).
More on Osceola, MI
Osceola County, MI distress report: public-record figures for Osceola, MI; not legal advice for Osceola, MI; not tax or investment advice; verify every Osceola, MI record before acting.