Sanilac County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Sanilac County, MI distress report, 2026: 23 ZIPs scored in Sanilac, MI, Sanilac, MI average 16/100; the top Sanilac, MI ZIP is 48032 at 21/100; Sanilac, MI market phase expansion, Sanilac, MI prices +5.5% year over year.
- Sanilac, MI ranks #1,588 nationally (opportunity index); Sanilac, MI #54 in Michigan; Sanilac, MI index 29.1.
- Sanilac, MI: no CFPB county sample; Sanilac, MI non-metro area reading 1.0%.
- Sanilac, MI ZIP phases: 20 expansion, 3 peak.
- Sanilac, MI residential listings tracked: 40 across 18 ZIPs; Sanilac, MI candidate listings 13.
- Sanilac, MI HUD assisted properties: 1 with 51 units.
- Sanilac, MI lenders on watch: 4; largest Sanilac, MI footprint Thumb Bank&Trust (7 branches).
- Sanilac, MI most distressed ZIP: 48032 at 21/100.
Sanilac, MI figures: DLRadar distress index; Sanilac, MI inputs: CFPB, FHFA, HUD, FDIC; Sanilac, MI rebuilt as sources refresh.
| Rank | Sanilac, MI ZIP | Score |
|---|---|---|
| 1 | 48032 | 21/100 |
| 2 | 48097 | 21/100 |
| 3 | 48726 | 19/100 |
| 4 | 48401 | 16/100 |
| 5 | 48410 | 16/100 |
| 6 | 48419 | 16/100 |
| 7 | 48422 | 16/100 |
| 8 | 48426 | 16/100 |
| 9 | 48427 | 16/100 |
| 10 | 48434 | 16/100 |
| 11 | 48450 | 16/100 |
| 12 | 48453 | 16/100 |
Most distressed Sanilac, MI ZIPs (0-100, 2026)
Mortgage delinquency around Sanilac, MI
No CFPB county sample covers Sanilac, MI; the non-metro area reading for Sanilac, MI: 1.0% ninety-plus; Sanilac, MI area thirty-to-eighty-nine 2.6% (December 2025, Sanilac, MI); Michigan overall 0.9%.
Opportunity index: Sanilac, MI
Sanilac, MI index 29.1, Sanilac, MI phase early_signal; Sanilac, MI primary driver vacancy, Sanilac, MI second driver construction. Sanilac, MI components: property stress 16.2, foreclosure pressure 16.1, listing discounts 30.0, bank stress 51.6, insurance 0.0; Sanilac, MI pulse 31.9; Sanilac, MI capital opportunity 24.9.
ZIP market phases inside Sanilac, MI
23 Sanilac, MI ZIPs carry a price-cycle phase; Sanilac, MI ZIPs by phase (Sanilac, MI), deepest drawdown first: peak, +4.5% YoY (Sanilac, MI): 48032, 48097; expansion, +5.5% YoY (Sanilac, MI): 48401, 48410, 48419, 48422, Sanilac, MI 48426, 48427, 48434, 48441, Sanilac, MI 48450, 48454, 48456, 48465; peak, +4.9% YoY (Sanilac, MI): 48416; expansion, +5.3% YoY (Sanilac, MI): 48453.
Residential listings by Sanilac, MI ZIP
Sanilac, MI ZIPs with the most tracked Sanilac, MI residential listings: 48422 7 listings, 2 candidates, bank pressure 54; 48450 7 listings, 2 candidates, bank pressure 54; 48416 5 listings, 3 candidates, bank pressure 56; 48419 5 listings, 4 candidates, bank pressure 54 (Sanilac, MI); 48453 5 listings, 0 candidates, bank pressure 58; 48471 4 listings, 2 candidates, bank pressure 54; 48472 2 listings, 0 candidates, bank pressure 54; 48401 1 listings, 0 candidates, bank pressure 54. Sanilac, MI totals: 40 listings; Sanilac, MI candidates 13; active ZIPs 7.
HUD assisted housing in Sanilac, MI
1 assisted properties with 51 units sit in Sanilac, MI; largest Sanilac, MI properties: East Side Manor (Sandusky) 51 units, 51 assisted.
Lenders with branches in Sanilac, MI
Sanilac, MI lenders by branch count: Thumb Bank&Trust (Sanilac, MI): stress 59, 7 branches low in Sanilac, MI; Eastern Michigan Bank (Sanilac, MI): stress 35, 5 branches low in Sanilac, MI; Tri-County Bank (Sanilac, MI): stress 34, 4 branches low in Sanilac, MI; Independent Bank (Sanilac, MI): stress 67, 1 branch low in Sanilac, MI.
Vacancy and permits, Sanilac, MI
4,240 of 21,756 Sanilac, MI housing units are vacant; Sanilac, MI permits, twelve months: 0 multifamily units in Sanilac, MI, 67 one-to-four unit units.
Work Sanilac, MI at the parcel level
Every Sanilac, MI parcel carries owner and address; every Sanilac, MI parcel carries APN; Sanilac, MI distress scores sit on the Sanilac, MI live board.
Sanilac, MI figures refresh with each source.
Sanilac, MI questions
Most distressed ZIP code in Sanilac County, MI?
ZIP 48032 leads Sanilac, MI at 21/100; next in Sanilac, MI: 48097 at 21/100; the Sanilac, MI average is 16/100.
Where does Sanilac County, MI rank for investment opportunity?
Sanilac, MI is #1,588 among all ranked counties, #54 in Michigan; the Sanilac, MI driver is vacancy; Sanilac, MI moved up 264 places.
How many mortgages are delinquent in Sanilac County, MI?
Sanilac, MI takes the non-metro area reading of 1.0% for December 2025; no CFPB county sample covers Sanilac, MI.
Which banks lend in Sanilac County, MI?
4 watched lenders hold Sanilac, MI branches; the largest Sanilac, MI footprints are Thumb Bank&Trust (7), Eastern Michigan Bank (5), Tri-County Bank (4).
More on Sanilac, MI
Sanilac County, MI distress report: public-record figures for Sanilac, MI; not legal advice for Sanilac, MI; not tax or investment advice; verify every Sanilac, MI record before acting.