St. Clair County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in St. Clair County, Michigan? DLRadar grades every St. Clair County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 23/100. Here is the 2026 St. Clair County breakdown.
- St. Clair County's most distressed ZIP is 48001 at 23/100.
- 23 ZIP codes tracked in St. Clair County, averaging 22/100 distress.
- St. Clair County reads peak — home values up 4.2% year over year.
- Vacancy runs 8.7% across St. Clair County's tracked ZIPs, with a 9.3% poverty rate.
- The typical St. Clair County home is worth about $254,070 against a ~$70,332 median income.
- Lending headwind in St. Clair County sits at 48/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 48001 | 23/100 |
| 2 | 48002 | 23/100 |
| 3 | 48006 | 23/100 |
| 4 | 48014 | 23/100 |
| 5 | 48022 | 23/100 |
| 6 | 48023 | 23/100 |
| 7 | 48027 | 23/100 |
| 8 | 48028 | 23/100 |
| 9 | 48039 | 23/100 |
| 10 | 48040 | 23/100 |
| 11 | 48041 | 23/100 |
| 12 | 48049 | 23/100 |
Most distressed ZIP codes in St. Clair County (composite distress 0-100, 2026)
What is driving St. Clair County distress
St. Clair County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 22/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
St. Clair County market phase and pricing
DLRadar places St. Clair County in peak; prices moved up 4.2% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in St. Clair County
The St. Clair County scores above are open to read. A 60-minute exploration adds the individual distressed properties behind each ZIP — no card required.
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Common questions
Which part of St. Clair County, MI scores highest for distress?
ZIP 48001 leads St. Clair County at 23/100, recomputed monthly from public records.
What market phase is St. Clair County in?
FHFA price-index movement places St. Clair County in peak; prices are up 4.2% over twelve months.
Which datasets feed the St. Clair County scores?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 23 St. Clair County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between St. Clair County ZIP codes?
County-level numbers smooth away the detail that matters. Across the St. Clair County ZIPs DLRadar ranks, scores run from 23/100 in 48001 down to 23/100 in 48049, against a St. Clair County average of 22/100. With 0 points between best and worst, county-level targeting in St. Clair County wastes effort.
What do St. Clair County home values and vacancy say about distressed supply?
The typical St. Clair County home carries about $254,070 of value against a median household income near $70,332. Vacancy across St. Clair County's tracked ZIPs runs 8.7% and the poverty rate is 9.3%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against St. Clair County's foreclosure and tax-lien filings and its 48/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.