Saginaw County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Saginaw County, Michigan? DLRadar grades every Saginaw County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 Saginaw County breakdown.
- Saginaw County's most distressed ZIP is 48417 at 30/100.
- 28 ZIP codes tracked in Saginaw County, averaging 27/100 distress.
- Saginaw County reads peak — home values up 4.0% year over year.
- Vacancy runs 8% across Saginaw County's tracked ZIPs, with a 14.7% poverty rate.
- The typical Saginaw County home is worth about $159,325 against a ~$61,591 median income.
- Lending headwind in Saginaw County sits at 55/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 48417 | 30/100 |
| 2 | 48601 | 30/100 |
| 3 | 48602 | 30/100 |
| 4 | 48603 | 30/100 |
| 5 | 48607 | 30/100 |
| 6 | 48609 | 30/100 |
| 7 | 48638 | 30/100 |
| 8 | 48655 | 30/100 |
| 9 | 48722 | 30/100 |
| 10 | 48724 | 30/100 |
| 11 | 48415 | 29/100 |
| 12 | 48604 | 29/100 |
Most distressed ZIP codes in Saginaw County (composite distress 0-100, 2026)
What is driving Saginaw County distress
Nothing here is estimated: Saginaw County is scored from filings alone, and its ZIPs average 27/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Saginaw County market phase and pricing
DLRadar places Saginaw County in peak; prices moved up 4.0% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Saginaw County
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Frequently asked
Which ZIP code leads Saginaw County on distress?
ZIP 48417 leads Saginaw County at 30/100, recomputed monthly from public records.
Which phase does Saginaw County sit in right now?
Saginaw County currently sits in peak, with values up 4.0% year on year, based on FHFA price-index trajectory.
Where does the Saginaw County data come from?
Saginaw County draws on FHFA (peak 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 28 ZIPs are comparable to anywhere else.
How much do distress scores vary between Saginaw County ZIP codes?
One county number flattens a wide range. Across the Saginaw County ZIPs DLRadar ranks, scores run from 30/100 in 48417 down to 29/100 in 48604, against a Saginaw County average of 27/100. With 1 points between best and worst, county-level targeting in Saginaw County wastes effort.
What do Saginaw County home values and vacancy say about distressed supply?
The typical Saginaw County home carries about $159,325 of value against a median household income near $61,591. Vacancy across Saginaw County's tracked ZIPs runs 8% and the poverty rate is 14.7%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Saginaw County's foreclosure and tax-lien filings and its 55/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.