Oscoda County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Oscoda County, MI distress report, 2026: 8 ZIPs scored in Oscoda, MI, Oscoda, MI average 13/100; the top Oscoda, MI ZIP is 48728 at 14/100; Oscoda, MI market phase expansion, Oscoda, MI prices +5.5% year over year.
- Oscoda, MI ranks #404 nationally (opportunity index); Oscoda, MI #16 in Michigan; Oscoda, MI index 34.0.
- Oscoda, MI: no CFPB county sample; Oscoda, MI non-metro area reading 1.0%.
- Oscoda, MI ZIP phases: 8 expansion.
- Oscoda, MI residential listings tracked: 4 across 5 ZIPs; Oscoda, MI candidate listings 2.
- Oscoda, MI HUD assisted properties: 1 with 61 units.
- Oscoda, MI lenders on watch: 1; largest Oscoda, MI footprint Mercantile Bank (1 branch).
- Oscoda, MI most distressed ZIP: 48728 at 14/100.
Oscoda, MI figures: DLRadar distress index; Oscoda, MI inputs: CFPB, FHFA, HUD, FDIC; Oscoda, MI rebuilt as sources refresh.
| Rank | Oscoda, MI ZIP | Score |
|---|---|---|
| 1 | 48728 | 14/100 |
| 2 | 48761 | 14/100 |
| 3 | 48619 | 13/100 |
| 4 | 48621 | 13/100 |
| 5 | 48636 | 13/100 |
| 6 | 48647 | 13/100 |
| 7 | 49756 | 13/100 |
| 8 | 48654 | 11/100 |
Most distressed Oscoda, MI ZIPs (0-100, 2026)
Mortgage delinquency around Oscoda, MI
No CFPB county sample covers Oscoda, MI; the non-metro area reading for Oscoda, MI: 1.0% ninety-plus; Oscoda, MI area thirty-to-eighty-nine 2.6% (December 2025, Oscoda, MI); Michigan overall 0.9%.
Opportunity index: Oscoda, MI
Oscoda, MI index 34.0, Oscoda, MI phase peak_opportunity; Oscoda, MI primary driver vacancy, Oscoda, MI second driver bank institutional. Oscoda, MI components: property stress 25.6, foreclosure pressure 25.3, listing discounts 29.5, bank stress 62.3, insurance 0.0; Oscoda, MI pulse 40.3; Oscoda, MI capital opportunity 24.5; Oscoda, MI seven-day change +0.4%.
ZIP market phases inside Oscoda, MI
8 Oscoda, MI ZIPs carry a price-cycle phase; Oscoda, MI ZIPs by phase (Oscoda, MI), deepest drawdown first: expansion, +5.5% YoY (Oscoda, MI): 48619, 48621, 48636, 48647, Oscoda, MI 48654, 48728, 48761, 49756.
Residential listings by Oscoda, MI ZIP
Oscoda, MI ZIPs with the most tracked Oscoda, MI residential listings: 48647 4 listings, 2 candidates, bank pressure 67; 48619 0 listings, 0 candidates, bank pressure 57; 48621 0 listings, 0 candidates, bank pressure 57; 48636 0 listings, 0 candidates, bank pressure 57 (Oscoda, MI); 49756 0 listings, 0 candidates, bank pressure 59. Oscoda, MI totals: 4 listings; Oscoda, MI candidates 2; active ZIPs 0.
HUD assisted housing in Oscoda, MI
1 assisted properties with 61 units sit in Oscoda, MI; largest Oscoda, MI properties: Ausable Valley Apartments (Fairview) 61 units, 60 assisted.
Lenders with branches in Oscoda, MI
Oscoda, MI lenders by branch count: Mercantile Bank (Oscoda, MI): stress 52, 1 branch low in Oscoda, MI.
Vacancy and permits, Oscoda, MI
3,931 of 7,719 Oscoda, MI housing units are vacant; Oscoda, MI permits, twelve months: 0 multifamily units in Oscoda, MI, 27 one-to-four unit units.
Work Oscoda, MI at the parcel level
Every Oscoda, MI parcel carries owner and address; every Oscoda, MI parcel carries APN; Oscoda, MI distress scores sit on the Oscoda, MI live board.
Oscoda, MI figures refresh with each source.
Oscoda, MI questions
Most distressed ZIP code in Oscoda County, MI?
ZIP 48728 leads Oscoda, MI at 14/100; next in Oscoda, MI: 48761 at 14/100; the Oscoda, MI average is 13/100.
Where does Oscoda County, MI rank for investment opportunity?
Oscoda, MI is #404 among all ranked counties, #16 in Michigan; the Oscoda, MI driver is vacancy; Oscoda, MI moved down 126 places.
How many mortgages are delinquent in Oscoda County, MI?
Oscoda, MI takes the non-metro area reading of 1.0% for December 2025; no CFPB county sample covers Oscoda, MI.
Which banks lend in Oscoda County, MI?
1 watched lenders hold Oscoda, MI branches; the largest Oscoda, MI footprints are Mercantile Bank (1).
More on Oscoda, MI
Oscoda County, MI distress report: public-record figures for Oscoda, MI; not legal advice for Oscoda, MI; not tax or investment advice; verify every Oscoda, MI record before acting.