Ottawa County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Ottawa County, MI distress report, 2026: 25 ZIPs scored in Ottawa, MI, Ottawa, MI average 25/100; the top Ottawa, MI ZIP is 49330 at 28/100; Ottawa, MI market phase peak, Ottawa, MI prices +3.9% year over year.
- Ottawa, MI ranks #2,874 nationally (opportunity index); Ottawa, MI #81 in Michigan; Ottawa, MI index 24.0.
- Ottawa, MI ninety-day mortgage delinquency 0.4% in December 2025; Ottawa, MI twelve-month change +0.1%.
- Ottawa, MI ZIP phases: 25 peak.
- Ottawa, MI residential listings tracked: 24 across 16 ZIPs; Ottawa, MI candidate listings 4.
- Ottawa, MI HUD assisted properties: 11 with 844 units.
- Ottawa, MI lenders on watch: 8; largest Ottawa, MI footprint Macatawa Bank National Assn (15 branches).
- Ottawa, MI most distressed ZIP: 49330 at 28/100.
Ottawa, MI figures: DLRadar distress index; Ottawa, MI inputs: CFPB, FHFA, HUD, FDIC; Ottawa, MI rebuilt as sources refresh.
| Rank | Ottawa, MI ZIP | Score |
|---|---|---|
| 1 | 49330 | 28/100 |
| 2 | 49415 | 28/100 |
| 3 | 49451 | 28/100 |
| 4 | 49544 | 28/100 |
| 5 | 49315 | 27/100 |
| 6 | 49318 | 27/100 |
| 7 | 49418 | 26/100 |
| 8 | 49534 | 26/100 |
| 9 | 49323 | 25/100 |
| 10 | 49448 | 25/100 |
| 11 | 49456 | 25/100 |
| 12 | 49401 | 24/100 |
Most distressed Ottawa, MI ZIPs (0-100, 2026)
Mortgage delinquency in Ottawa, MI
0.4% of Ottawa, MI mortgages were ninety-plus days late (Ottawa, MI, December 2025); Ottawa, MI thirty-to-eighty-nine days late: 1.9%; Ottawa, MI twelve-month change +0.1%; Ottawa, MI peak since 2008: 3.1% (November 2009); Michigan overall 0.9%. Ottawa, MI ninety-day series: Dec 24 0.3, Jan 25 0.3, Feb 25 0.2 (Ottawa, MI), Mar 25 0.2, Apr 25 0.2, May 25 0.3 (Ottawa, MI), Jun 25 0.3, Jul 25 0.3, Aug 25 0.3 (Ottawa, MI), Sep 25 0.3, Oct 25 0.4, Nov 25 0.3 (Ottawa, MI), Dec 25 0.4.
Opportunity index: Ottawa, MI
Ottawa, MI index 24.0, Ottawa, MI phase weak; Ottawa, MI primary driver construction, Ottawa, MI second driver bank institutional. Ottawa, MI components: property stress 8.7, foreclosure pressure 6.5, listing discounts 26.2, bank stress 56.5, insurance 0.0; Ottawa, MI pulse 26.1; Ottawa, MI capital opportunity 21.0.
ZIP market phases inside Ottawa, MI
25 Ottawa, MI ZIPs carry a price-cycle phase; Ottawa, MI ZIPs by phase (Ottawa, MI), deepest drawdown first: peak, +4.0% YoY (Ottawa, MI): 49315; peak, +2.6% YoY (Ottawa, MI): 49318; peak, +4.2% YoY (Ottawa, MI): 49323, 49423; peak, +4.1% YoY (Ottawa, MI): 49330; peak, +3.9% YoY (Ottawa, MI): 49401, 49409, 49417, 49418, Ottawa, MI 49424, 49426, 49428, 49430; peak, +3.8% YoY (Ottawa, MI): 49403, 49404; peak, +2.3% YoY (Ottawa, MI): 49415.
Residential listings by Ottawa, MI ZIP
Ottawa, MI ZIPs with the most tracked Ottawa, MI residential listings: 49534 10 listings, 1 candidates, bank pressure 63; 49426 4 listings, 1 candidates, bank pressure 62; 49417 2 listings, 1 candidates, bank pressure 62; 49460 2 listings, 1 candidates, bank pressure 62 (Ottawa, MI); 49401 1 listings, 0 candidates, bank pressure 62; 49424 1 listings, 0 candidates, bank pressure 62; 49428 1 listings, 0 candidates, bank pressure 62; 49435 1 listings, 0 candidates, bank pressure 63. Ottawa, MI totals: 24 listings; Ottawa, MI candidates 4; active ZIPs 10.
HUD assisted housing in Ottawa, MI
11 assisted properties with 844 units sit in Ottawa, MI; largest Ottawa, MI properties: Grand Haven Apartments (Grand Haven) 190 units; Ridgeland Heights Apartments (Holland) 144 units; Pinewood Place/Pinewood Apartments (Grand Haven) 124 units, 124 assisted in Ottawa, MI; Wildwood Creek Manor (Holland) 76 units, 75 assisted; Highbrook Townhomes (Hudsonville) 62 units; Evergreen Village (Spring Lake) 60 units, 59 assisted.
Lenders with branches in Ottawa, MI
Ottawa, MI lenders by branch count: Macatawa Bank National Assn (Ottawa, MI): stress 37, 15 branches low in Ottawa, MI; West Michigan Community Bank (Ottawa, MI): stress 66, 6 branches low in Ottawa, MI; United Bank Of Michigan (Ottawa, MI): stress 63, 2 branches low in Ottawa, MI; Choiceone Bank (Ottawa, MI): stress 60, 2 branches low in Ottawa, MI; First Nb Of Michigan (Ottawa, MI): stress 74, 1 branch low in Ottawa, MI; Independent Bank (Ottawa, MI): stress 67, 1 branch low in Ottawa, MI; Commercial Bank (Ottawa, MI): stress 64, 1 branch low in Ottawa, MI; Mercantile Bank (Ottawa, MI): stress 52, 1 branch low in Ottawa, MI.
Vacancy and permits, Ottawa, MI
6,282 of 117,604 Ottawa, MI housing units are vacant; Ottawa, MI permits, twelve months: 261 multifamily units in Ottawa, MI, 882 one-to-four unit units.
Work Ottawa, MI at the parcel level
Every Ottawa, MI parcel carries owner and address; every Ottawa, MI parcel carries APN; Ottawa, MI distress scores sit on the Ottawa, MI live board.
Ottawa, MI figures refresh with each source.
Ottawa, MI questions
Most distressed ZIP code in Ottawa County, MI?
ZIP 49330 leads Ottawa, MI at 28/100; next in Ottawa, MI: 49415 at 28/100; the Ottawa, MI average is 25/100.
Where does Ottawa County, MI rank for investment opportunity?
Ottawa, MI is #2,874 among all ranked counties, #81 in Michigan; the Ottawa, MI driver is construction; Ottawa, MI moved up 77 places.
How many mortgages are delinquent in Ottawa County, MI?
0.4% of Ottawa, MI mortgages were ninety-plus days late in December 2025; the Ottawa, MI peak since 2008 was 3.1%.
Which banks lend in Ottawa County, MI?
8 watched lenders hold Ottawa, MI branches; the largest Ottawa, MI footprints are Macatawa Bank National Assn (15), West Michigan Community Bank (6), United Bank Of Michigan (2).
More on Ottawa, MI
Ottawa County, MI distress report: public-record figures for Ottawa, MI; not legal advice for Ottawa, MI; not tax or investment advice; verify every Ottawa, MI record before acting.