Otsego County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Otsego County, Michigan? DLRadar grades every Otsego County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 17/100. Here is the 2026 Otsego County breakdown.
- Otsego County's most distressed ZIP is 49738 at 17/100.
- 7 ZIP codes tracked in Otsego County, averaging 12/100 distress.
- Otsego County reads expansion — home values up 5.5% year over year.
- Vacancy runs 40.2% across Otsego County's tracked ZIPs, with a 12.8% poverty rate.
- The typical Otsego County home is worth about $181,271 against a ~$64,002 median income.
- Lending headwind in Otsego County sits at 71/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 49738 | 17/100 |
| 2 | 49733 | 16/100 |
| 3 | 49730 | 13/100 |
| 4 | 49756 | 12/100 |
| 5 | 49795 | 10/100 |
| 6 | 49751 | 9/100 |
| 7 | 49735 | 8/100 |
Most distressed ZIP codes in Otsego County (composite distress 0-100, 2026)
What is driving Otsego County distress
Nothing here is estimated: Otsego County is scored from filings alone, and its ZIPs average 12/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Otsego County market phase and pricing
Phase for Otsego County: expansion (+5.5% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Otsego County
Browse the full Otsego County distress data free, or start a 60-minute exploration to unlock the scored distressed properties inside each ZIP — no card charged today.
Nothing charged today · every module open, on live data.
What people ask
What is the hardest-hit ZIP in Otsego County?
ZIP 49738 leads Otsego County at 17/100, recomputed monthly from public records.
Where is Otsego County in the housing cycle?
FHFA price-index movement places Otsego County in expansion; prices are up 5.5% over twelve months.
Can the Otsego County figures be verified?
Otsego County draws on FHFA (expansion trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 7 ZIPs are comparable to anywhere else.
How much do distress scores vary between Otsego County ZIP codes?
One county number flattens a wide range. Across the Otsego County ZIPs DLRadar ranks, scores run from 17/100 in 49738 down to 8/100 in 49735, against a Otsego County average of 12/100. Because the gap runs to 9 points, Otsego County rewards ZIP-level precision.
What do Otsego County home values and vacancy say about distressed supply?
The typical Otsego County home carries about $181,271 of value against a median household income near $64,002. Vacancy across Otsego County's tracked ZIPs runs 40.2% and the poverty rate is 12.8%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Otsego County's foreclosure and tax-lien filings and its 71/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.