Otsego County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Otsego County, MI distress report, 2026: 7 ZIPs scored in Otsego, MI, Otsego, MI average 14/100; the top Otsego, MI ZIP is 49738 at 22/100; Otsego, MI market phase expansion, Otsego, MI prices +5.5% year over year.
- Otsego, MI ranks #568 nationally (opportunity index); Otsego, MI #24 in Michigan; Otsego, MI index 33.1.
- Otsego, MI: no CFPB county sample; Otsego, MI non-metro area reading 1.0%.
- Otsego, MI ZIP phases: 7 expansion.
- Otsego, MI residential listings tracked: 18 across 3 ZIPs; Otsego, MI candidate listings 4.
- Otsego, MI lenders on watch: 1; largest Otsego, MI footprint State Savings Bank (2 branches).
- Otsego, MI most distressed ZIP: 49738 at 22/100.
Otsego, MI figures: DLRadar distress index; Otsego, MI inputs: CFPB, FHFA, HUD, FDIC; Otsego, MI rebuilt as sources refresh.
| Rank | Otsego, MI ZIP | Score |
|---|---|---|
| 1 | 49738 | 22/100 |
| 2 | 49733 | 21/100 |
| 3 | 49730 | 17/100 |
| 4 | 49756 | 13/100 |
| 5 | 49751 | 10/100 |
| 6 | 49795 | 10/100 |
| 7 | 49735 | 8/100 |
Most distressed Otsego, MI ZIPs (0-100, 2026)
Mortgage delinquency around Otsego, MI
No CFPB county sample covers Otsego, MI; the non-metro area reading for Otsego, MI: 1.0% ninety-plus; Otsego, MI area thirty-to-eighty-nine 2.6% (December 2025, Otsego, MI); Michigan overall 0.9%.
Opportunity index: Otsego, MI
Otsego, MI index 33.1, Otsego, MI phase peak_opportunity; Otsego, MI primary driver vacancy, Otsego, MI second driver bank institutional. Otsego, MI components: property stress 18.5, foreclosure pressure 18.5, listing discounts 40.9, bank stress 55.5, insurance 0.0; Otsego, MI pulse 35.8; Otsego, MI capital opportunity 29.0; Otsego, MI seven-day change +0.1%.
ZIP market phases inside Otsego, MI
7 Otsego, MI ZIPs carry a price-cycle phase; Otsego, MI ZIPs by phase (Otsego, MI), deepest drawdown first: expansion, +5.5% YoY (Otsego, MI): 49730, 49733, 49735, 49751, Otsego, MI 49756, 49795; expansion, +5.4% YoY (Otsego, MI): 49738.
Residential listings by Otsego, MI ZIP
Otsego, MI ZIPs with the most tracked Otsego, MI residential listings: 49735 12 listings, 3 candidates, bank pressure 62; 49751 6 listings, 1 candidates, bank pressure 60; 49795 0 listings, 0 candidates, bank pressure 60. Otsego, MI totals: 18 listings; Otsego, MI candidates 4; active ZIPs 0.
Lenders with branches in Otsego, MI
Otsego, MI lenders by branch count: State Savings Bank (Otsego, MI): stress 88, 2 branches low in Otsego, MI.
Vacancy and permits, Otsego, MI
3,651 of 14,882 Otsego, MI housing units are vacant; Otsego, MI permits, twelve months: 0 multifamily units in Otsego, MI, 25 one-to-four unit units.
Work Otsego, MI at the parcel level
Every Otsego, MI parcel carries owner and address; every Otsego, MI parcel carries APN; Otsego, MI distress scores sit on the Otsego, MI live board.
Otsego, MI figures refresh with each source.
Otsego, MI questions
Most distressed ZIP code in Otsego County, MI?
ZIP 49738 leads Otsego, MI at 22/100; next in Otsego, MI: 49733 at 21/100; the Otsego, MI average is 14/100.
Where does Otsego County, MI rank for investment opportunity?
Otsego, MI is #568 among all ranked counties, #24 in Michigan; the Otsego, MI driver is vacancy; Otsego, MI moved up 373 places.
How many mortgages are delinquent in Otsego County, MI?
Otsego, MI takes the non-metro area reading of 1.0% for December 2025; no CFPB county sample covers Otsego, MI.
Which banks lend in Otsego County, MI?
1 watched lenders hold Otsego, MI branches; the largest Otsego, MI footprints are State Savings Bank (2).
More on Otsego, MI
Otsego County, MI distress report: public-record figures for Otsego, MI; not legal advice for Otsego, MI; not tax or investment advice; verify every Otsego, MI record before acting.