St. Clair County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
St. Clair County, MI distress report, 2026: 23 ZIPs scored in St. Clair, MI, St. Clair, MI average 22/100; the top St. Clair, MI ZIP is 48001 at 23/100; St. Clair, MI market phase peak, St. Clair, MI prices +4.2% year over year.
- St. Clair, MI ranks #2,139 nationally (opportunity index); St. Clair, MI #64 in Michigan; St. Clair, MI index 27.2.
- St. Clair, MI ninety-day mortgage delinquency 1.1% in December 2025; St. Clair, MI twelve-month change +0.2%.
- St. Clair, MI ZIP phases: 23 peak.
- St. Clair, MI residential listings tracked: 225 across 21 ZIPs; St. Clair, MI candidate listings 55.
- St. Clair, MI HUD assisted properties: 9 with 744 units.
- St. Clair, MI lenders on watch: 4; largest St. Clair, MI footprint Eastern Michigan Bank (6 branches).
- St. Clair, MI most distressed ZIP: 48001 at 23/100.
St. Clair, MI figures: DLRadar distress index; St. Clair, MI inputs: CFPB, FHFA, HUD, FDIC; St. Clair, MI rebuilt as sources refresh.
| Rank | St. Clair, MI ZIP | Score |
|---|---|---|
| 1 | 48001 | 23/100 |
| 2 | 48002 | 23/100 |
| 3 | 48006 | 23/100 |
| 4 | 48022 | 23/100 |
| 5 | 48023 | 23/100 |
| 6 | 48027 | 23/100 |
| 7 | 48028 | 23/100 |
| 8 | 48039 | 23/100 |
| 9 | 48040 | 23/100 |
| 10 | 48041 | 23/100 |
| 11 | 48049 | 23/100 |
| 12 | 48054 | 23/100 |
Most distressed St. Clair, MI ZIPs (0-100, 2026)
Mortgage delinquency in St. Clair, MI
1.1% of St. Clair, MI mortgages were ninety-plus days late (St. Clair, MI, December 2025); St. Clair, MI thirty-to-eighty-nine days late: 3.2%; St. Clair, MI twelve-month change +0.2%; St. Clair, MI peak since 2008: 6.2% (December 2009); Michigan overall 0.9%. St. Clair, MI ninety-day series: Dec 24 0.9, Jan 25 0.8, Feb 25 0.8 (St. Clair, MI), Mar 25 1.0, Apr 25 1.1, May 25 0.9 (St. Clair, MI), Jun 25 0.9, Jul 25 0.9, Aug 25 0.9 (St. Clair, MI), Sep 25 0.9, Oct 25 0.7, Nov 25 0.9 (St. Clair, MI), Dec 25 1.1.
Opportunity index: St. Clair, MI
St. Clair, MI index 27.2, St. Clair, MI phase weak; St. Clair, MI primary driver construction, St. Clair, MI second driver bank institutional. St. Clair, MI components: property stress 8.1, foreclosure pressure 5.9, listing discounts 41.7, bank stress 49.9, insurance 0.0; St. Clair, MI pulse 26.4; St. Clair, MI capital opportunity 28.5.
ZIP market phases inside St. Clair, MI
23 St. Clair, MI ZIPs carry a price-cycle phase; St. Clair, MI ZIPs by phase (St. Clair, MI), deepest drawdown first: peak, +4.2% YoY (St. Clair, MI): 48001, 48002, 48006, 48014, St. Clair, MI 48022, 48023, 48027, 48028, St. Clair, MI 48039, 48040, 48041, 48049, St. Clair, MI 48054, 48059, 48060; peak, +4.5% YoY (St. Clair, MI): 48032.
Residential listings by St. Clair, MI ZIP
St. Clair, MI ZIPs with the most tracked St. Clair, MI residential listings: 48060 56 listings, 13 candidates, bank pressure 55; 48059 20 listings, 4 candidates, bank pressure 55; 48001 13 listings, 4 candidates, bank pressure 55; 48039 12 listings, 5 candidates, bank pressure 55 (St. Clair, MI); 48040 12 listings, 0 candidates, bank pressure 55; 48079 12 listings, 1 candidates, bank pressure 55; 48041 11 listings, 2 candidates, bank pressure 61; 48097 11 listings, 4 candidates, bank pressure 55. St. Clair, MI totals: 225 listings; St. Clair, MI candidates 55; active ZIPs 21.
HUD assisted housing in St. Clair, MI
9 assisted properties with 744 units sit in St. Clair, MI; largest St. Clair, MI properties: North Port (Port Huron) 251 units, 250 assisted; Aspen Grove (Marysville) 218 units; Village Manor Apartments (Port Huron) 123 units, 123 assisted in St. Clair, MI; Porthaven Manor (Port Huron) 102 units; Chippewa Court Apartments (Port Huron) 12 units, 11 assisted; Continental Court (Port Huron) 12 units, 11 assisted.
Lenders with branches in St. Clair, MI
St. Clair, MI lenders by branch count: Eastern Michigan Bank (St. Clair, MI): stress 35, 6 branches low in St. Clair, MI; Northstar Bank (St. Clair, MI): stress 69, 3 branches low in St. Clair, MI; Choiceone Bank (St. Clair, MI): stress 60, 3 branches low in St. Clair, MI; Tri-County Bank (St. Clair, MI): stress 34, 2 branches low in St. Clair, MI.
Vacancy and permits, St. Clair, MI
4,983 of 72,799 St. Clair, MI housing units are vacant; St. Clair, MI permits, twelve months: 0 multifamily units in St. Clair, MI, 232 one-to-four unit units.
Work St. Clair, MI at the parcel level
Every St. Clair, MI parcel carries owner and address; every St. Clair, MI parcel carries APN; St. Clair, MI distress scores sit on the St. Clair, MI live board.
St. Clair, MI figures refresh with each source.
St. Clair, MI questions
Most distressed ZIP code in St. Clair County, MI?
ZIP 48001 leads St. Clair, MI at 23/100; next in St. Clair, MI: 48002 at 23/100; the St. Clair, MI average is 22/100.
Where does St. Clair County, MI rank for investment opportunity?
St. Clair, MI is #2,139 among all ranked counties, #64 in Michigan; the St. Clair, MI driver is construction; St. Clair, MI moved up 785 places.
How many mortgages are delinquent in St. Clair County, MI?
1.1% of St. Clair, MI mortgages were ninety-plus days late in December 2025; the St. Clair, MI peak since 2008 was 6.2%.
Which banks lend in St. Clair County, MI?
4 watched lenders hold St. Clair, MI branches; the largest St. Clair, MI footprints are Eastern Michigan Bank (6), Northstar Bank (3), Choiceone Bank (3).
More on St. Clair, MI
St. Clair County, MI distress report: public-record figures for St. Clair, MI; not legal advice for St. Clair, MI; not tax or investment advice; verify every St. Clair, MI record before acting.