Ottawa County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Ottawa County, Michigan? DLRadar grades every Ottawa County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Ottawa County breakdown.
- Ottawa County's most distressed ZIP is 49544 at 28/100.
- 25 ZIP codes tracked in Ottawa County, averaging 24/100 distress.
- Ottawa County reads peak — home values up 3.9% year over year.
- Vacancy runs 7.5% across Ottawa County's tracked ZIPs, with a 6.4% poverty rate.
- The typical Ottawa County home is worth about $305,905 against a ~$87,303 median income.
- Lending headwind in Ottawa County sits at 40/100 — 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 | 49544 | 28/100 |
| 2 | 49330 | 27/100 |
| 3 | 49315 | 26/100 |
| 4 | 49418 | 26/100 |
| 5 | 49323 | 25/100 |
| 6 | 49451 | 25/100 |
| 7 | 49534 | 25/100 |
| 8 | 49318 | 24/100 |
| 9 | 49403 | 24/100 |
| 10 | 49415 | 24/100 |
| 11 | 49423 | 24/100 |
| 12 | 49434 | 24/100 |
Most distressed ZIP codes in Ottawa County (composite distress 0-100, 2026)
What is driving Ottawa County distress
Nothing here is estimated: Ottawa County is scored from filings alone, and its ZIPs average 24/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Ottawa County market phase and pricing
Phase for Ottawa County: peak (+3.9% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Ottawa County
Everything summarised here for Ottawa County is free. Start a trial to see the scored parcels, owners and filings underneath — nothing charged today.
Card-free · live data across the whole platform for a week.
Questions and answers
Where is distress highest inside Ottawa County, MI?
ZIP 49544 leads Ottawa County at 28/100, recomputed monthly from public records.
How would you describe the Ottawa County market phase?
Phase for Ottawa County: peak, tracking a 3.9% gain year over year, read off the FHFA index.
What are the sources behind these Ottawa County numbers?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 25 Ottawa County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Ottawa County ZIP codes?
Averaging the county conceals how uneven it is. Across the Ottawa County ZIPs DLRadar ranks, scores run from 28/100 in 49544 down to 24/100 in 49434, against a Ottawa County average of 24/100. The 4-point range is the argument for ZIP-level search across Ottawa County.
What do Ottawa County home values and vacancy say about distressed supply?
The typical Ottawa County home carries about $305,905 of value against a median household income near $87,303. Vacancy across Ottawa County's tracked ZIPs runs 7.5% and the poverty rate is 6.4%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Ottawa County's foreclosure and tax-lien filings and its 40/100 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.