Saginaw County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Saginaw County, MI distress report, 2026: 28 ZIPs scored in Saginaw, MI, Saginaw, MI average 27/100; the top Saginaw, MI ZIP is 48415 at 30/100; Saginaw, MI market phase peak, Saginaw, MI prices +4.0% year over year.
- Saginaw, MI ranks #583 nationally (opportunity index); Saginaw, MI #23 in Michigan; Saginaw, MI index 33.0.
- Saginaw, MI ninety-day mortgage delinquency 0.8% in December 2025; Saginaw, MI twelve-month change -0.1%.
- Saginaw, MI ZIP phases: 24 peak, 3 expansion, 1 neutral.
- Saginaw, MI residential listings tracked: 89 across 19 ZIPs; Saginaw, MI candidate listings 24.
- Saginaw, MI HUD assisted properties: 8 with 965 units.
- Saginaw, MI lenders on watch: 6; largest Saginaw, MI footprint Isabella Bank (5 branches).
- Saginaw, MI most distressed ZIP: 48415 at 30/100.
Saginaw, MI figures: DLRadar distress index; Saginaw, MI inputs: CFPB, FHFA, HUD, FDIC; Saginaw, MI rebuilt as sources refresh.
| Rank | Saginaw, MI ZIP | Score |
|---|---|---|
| 1 | 48415 | 30/100 |
| 2 | 48417 | 30/100 |
| 3 | 48601 | 30/100 |
| 4 | 48602 | 30/100 |
| 5 | 48603 | 30/100 |
| 6 | 48607 | 30/100 |
| 7 | 48609 | 30/100 |
| 8 | 48614 | 30/100 |
| 9 | 48616 | 30/100 |
| 10 | 48626 | 30/100 |
| 11 | 48638 | 30/100 |
| 12 | 48649 | 30/100 |
Most distressed Saginaw, MI ZIPs (0-100, 2026)
Mortgage delinquency in Saginaw, MI
0.8% of Saginaw, MI mortgages were ninety-plus days late (Saginaw, MI, December 2025); Saginaw, MI thirty-to-eighty-nine days late: 3.1%; Saginaw, MI twelve-month change -0.1%; Saginaw, MI peak since 2008: 4.9% (January 2010); Michigan overall 0.9%. Saginaw, MI ninety-day series: Dec 24 0.9, Jan 25 0.8, Feb 25 0.7 (Saginaw, MI), Mar 25 0.7, Apr 25 0.6, May 25 0.7 (Saginaw, MI), Jun 25 0.3, Jul 25 0.5, Aug 25 0.6 (Saginaw, MI), Sep 25 0.8, Oct 25 0.5, Nov 25 0.5 (Saginaw, MI), Dec 25 0.8.
Opportunity index: Saginaw, MI
Saginaw, MI index 33.0, Saginaw, MI phase peak_opportunity; Saginaw, MI primary driver bank institutional, Saginaw, MI second driver construction. Saginaw, MI components: property stress 16.5, foreclosure pressure 15.0, listing discounts 49.1, bank stress 61.9, insurance 0.0; Saginaw, MI pulse 34.6; Saginaw, MI capital opportunity 30.7; Saginaw, MI seven-day change +0.4%.
ZIP market phases inside Saginaw, MI
28 Saginaw, MI ZIPs carry a price-cycle phase; Saginaw, MI ZIPs by phase (Saginaw, MI), deepest drawdown first: expansion, +5.1% YoY, 0.3% off peak (Saginaw, MI): 48747; expansion, +5.0% YoY, 0.3% off peak (Saginaw, MI): 48708; peak, +4.1% YoY, 0.2% off peak (Saginaw, MI): 48623; peak, +4.0% YoY, 0.1% off peak (Saginaw, MI): 48637, 48626; neutral, +4.1% YoY, 0.0% off peak (Saginaw, MI): 48604; expansion, +5.1% YoY, 0.0% off peak (Saginaw, MI): 48757; peak, +4.1% YoY (Saginaw, MI): 48415, 48460; peak, +4.0% YoY (Saginaw, MI): 48417, 48601, 48602, 48603, Saginaw, MI 48607; peak, +3.3% YoY (Saginaw, MI): 48420; peak, +3.4% YoY (Saginaw, MI): 48457.
Residential listings by Saginaw, MI ZIP
Saginaw, MI ZIPs with the most tracked Saginaw, MI residential listings: 48601 17 listings, 7 candidates, bank pressure 62; 48602 11 listings, 6 candidates, bank pressure 62; 48603 11 listings, 3 candidates, bank pressure 62; 48415 7 listings, 0 candidates, bank pressure 63 (Saginaw, MI); 48734 6 listings, 0 candidates, bank pressure 61; 48604 5 listings, 0 candidates, bank pressure 63; 48609 4 listings, 0 candidates, bank pressure 62; 48623 4 listings, 2 candidates, bank pressure 62. Saginaw, MI totals: 89 listings; Saginaw, MI candidates 24; active ZIPs 16.
HUD assisted housing in Saginaw, MI
8 assisted properties with 965 units sit in Saginaw, MI; largest Saginaw, MI properties: Lakeside Village (Saginaw) 200 units, 199 assisted; Waterside Ii (Saginaw) 200 units; Swanhaven Manor (Saginaw) 150 units in Saginaw, MI; Pheasant Run Apartments (Saginaw) 137 units; Northfield Center Apartments (Saginaw) 120 units, 120 assisted; Carrollton Village Senior Apartments (Saginaw) 97 units.
Lenders with branches in Saginaw, MI
Saginaw, MI lenders by branch count: Isabella Bank (Saginaw, MI): stress 73, 5 branches moderate in Saginaw, MI; Choiceone Bank (Saginaw, MI): stress 60, 5 branches low in Saginaw, MI; Independent Bank (Saginaw, MI): stress 67, 3 branches moderate in Saginaw, MI; 1st State Bank (Saginaw, MI): stress 57, 2 branches moderate in Saginaw, MI; Mercantile Bank (Saginaw, MI): stress 52, 2 branches low in Saginaw, MI; Thumb Bank&Trust (Saginaw, MI): stress 59, 1 branch low in Saginaw, MI.
Vacancy and permits, Saginaw, MI
8,250 of 86,208 Saginaw, MI housing units are vacant; Saginaw, MI permits, twelve months: 15 multifamily units in Saginaw, MI, 155 one-to-four unit units.
Work Saginaw, MI at the parcel level
Every Saginaw, MI parcel carries owner and address; every Saginaw, MI parcel carries APN; Saginaw, MI distress scores sit on the Saginaw, MI live board.
Saginaw, MI figures refresh with each source.
Saginaw, MI questions
Most distressed ZIP code in Saginaw County, MI?
ZIP 48415 leads Saginaw, MI at 30/100; next in Saginaw, MI: 48417 at 30/100; the Saginaw, MI average is 27/100.
Where does Saginaw County, MI rank for investment opportunity?
Saginaw, MI is #583 among all ranked counties, #23 in Michigan; the Saginaw, MI driver is bank institutional; Saginaw, MI moved up 616 places.
How many mortgages are delinquent in Saginaw County, MI?
0.8% of Saginaw, MI mortgages were ninety-plus days late in December 2025; the Saginaw, MI peak since 2008 was 4.9%.
Which banks lend in Saginaw County, MI?
6 watched lenders hold Saginaw, MI branches; the largest Saginaw, MI footprints are Isabella Bank (5), Choiceone Bank (5), Independent Bank (3).
More on Saginaw, MI
Saginaw County, MI distress report: public-record figures for Saginaw, MI; not legal advice for Saginaw, MI; not tax or investment advice; verify every Saginaw, MI record before acting.