Oscoda County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Oscoda County, Michigan? DLRadar grades every Oscoda County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 14/100. Here is the 2026 Oscoda County breakdown.
- Oscoda County's most distressed ZIP is 48728 at 14/100.
- 8 ZIP codes tracked in Oscoda County, averaging 12/100 distress.
- Oscoda County reads expansion — home values up 5.5% year over year.
- Vacancy runs 52.5% across Oscoda County's tracked ZIPs, with a 16.7% poverty rate.
- The typical Oscoda County home is worth about $135,713 against a ~$48,723 median income.
- Lending headwind in Oscoda County sits at 32/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 48728 | 14/100 |
| 2 | 48619 | 12/100 |
| 3 | 48621 | 12/100 |
| 4 | 48636 | 12/100 |
| 5 | 48647 | 12/100 |
| 6 | 48761 | 12/100 |
| 7 | 49756 | 12/100 |
| 8 | 48654 | 9/100 |
Most distressed ZIP codes in Oscoda County (composite distress 0-100, 2026)
What is driving Oscoda County distress
The Oscoda County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 12/100 ZIP average. No proprietary or modelled inputs enter the score.
Oscoda County market phase and pricing
DLRadar places Oscoda County in expansion; prices moved up 5.5% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Oscoda County
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What people ask
What is the hardest-hit ZIP in Oscoda County?
ZIP 48728 leads Oscoda County at 14/100, recomputed monthly from public records.
Where is Oscoda County in the housing cycle?
Phase for Oscoda County: expansion, tracking a 5.5% gain year over year, read off the FHFA index.
What is this Oscoda County analysis built from?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 8 Oscoda County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Oscoda County ZIP codes?
Averaging the county conceals how uneven it is. Across the Oscoda County ZIPs DLRadar ranks, scores run from 14/100 in 48728 down to 9/100 in 48654, against a Oscoda County average of 12/100. That 5-point gap is why acquisition targeting in Oscoda County works at ZIP level rather than county level.
What do Oscoda County home values and vacancy say about distressed supply?
The typical Oscoda County home carries about $135,713 of value against a median household income near $48,723. Vacancy across Oscoda County's tracked ZIPs runs 52.5% and the poverty rate is 16.7%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Oscoda County's foreclosure and lien filings and its 32/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.