St. Joseph County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
St. Joseph County, MI distress report, 2026: 13 ZIPs scored in St. Joseph, MI, St. Joseph, MI average 14/100; the top St. Joseph, MI ZIP is 49097 at 28/100; St. Joseph, MI market phase peak, St. Joseph, MI prices +4.2% year over year.
- St. Joseph, MI ranks #2,874 nationally (opportunity index); St. Joseph, MI #81 in Michigan; St. Joseph, MI index 24.0.
- St. Joseph, MI: no CFPB county sample; St. Joseph, MI non-metro area reading 1.0%.
- St. Joseph, MI ZIP phases: 11 peak, 2 expansion.
- St. Joseph, MI residential listings tracked: 5 across 10 ZIPs; St. Joseph, MI candidate listings 2.
- St. Joseph, MI HUD assisted properties: 1 with 18 units.
- St. Joseph, MI lenders on watch: 3; largest St. Joseph, MI footprint Sturgis Bank&Trust Co (6 branches).
- St. Joseph, MI most distressed ZIP: 49097 at 28/100.
St. Joseph, MI figures: DLRadar distress index; St. Joseph, MI inputs: CFPB, FHFA, HUD, FDIC; St. Joseph, MI rebuilt as sources refresh.
| Rank | St. Joseph, MI ZIP | Score |
|---|---|---|
| 1 | 49097 | 28/100 |
| 2 | 49011 | 21/100 |
| 3 | 49067 | 15/100 |
| 4 | 49040 | 12/100 |
| 5 | 49072 | 12/100 |
| 6 | 49099 | 12/100 |
| 7 | 49030 | 11/100 |
| 8 | 49032 | 11/100 |
| 9 | 49042 | 11/100 |
| 10 | 49066 | 11/100 |
| 11 | 49075 | 11/100 |
| 12 | 49091 | 11/100 |
Most distressed St. Joseph, MI ZIPs (0-100, 2026)
Mortgage delinquency around St. Joseph, MI
No CFPB county sample covers St. Joseph, MI; the non-metro area reading for St. Joseph, MI: 1.0% ninety-plus; St. Joseph, MI area thirty-to-eighty-nine 2.6% (December 2025, St. Joseph, MI); Michigan overall 0.9%.
Opportunity index: St. Joseph, MI
St. Joseph, MI index 24.0, St. Joseph, MI phase weak; St. Joseph, MI primary driver vacancy, St. Joseph, MI second driver bank institutional. St. Joseph, MI components: property stress 12.4, foreclosure pressure 12.6, listing discounts 14.6, bank stress 62.8, insurance 0.0; St. Joseph, MI pulse 29.5; St. Joseph, MI capital opportunity 15.8; St. Joseph, MI seven-day change +0.1%.
ZIP market phases inside St. Joseph, MI
13 St. Joseph, MI ZIPs carry a price-cycle phase; St. Joseph, MI ZIPs by phase (St. Joseph, MI), deepest drawdown first: peak, +0.7% YoY, 0.5% off peak (St. Joseph, MI): 49097; peak, +4.1% YoY, 0.0% off peak (St. Joseph, MI): 49072; expansion, +8.2% YoY (St. Joseph, MI): 49011; peak, +4.2% YoY (St. Joseph, MI): 49030, 49032, 49040, 49066, St. Joseph, MI 49075, 49091; peak, +4.4% YoY (St. Joseph, MI): 49042; expansion, +5.5% YoY (St. Joseph, MI): 49067; peak, +4.3% YoY (St. Joseph, MI): 49093; peak, +4.6% YoY (St. Joseph, MI): 49099.
Residential listings by St. Joseph, MI ZIP
St. Joseph, MI ZIPs with the most tracked St. Joseph, MI residential listings: 49093 3 listings, 2 candidates, bank pressure 62; 49072 2 listings, 0 candidates, bank pressure 64; 49030 0 listings, 0 candidates, bank pressure 66; 49032 0 listings, 0 candidates, bank pressure 64 (St. Joseph, MI); 49040 0 listings, 0 candidates, bank pressure 66; 49042 0 listings, 0 candidates, bank pressure 62; 49066 0 listings, 0 candidates, bank pressure 64; 49075 0 listings, 0 candidates, bank pressure 64. St. Joseph, MI totals: 5 listings; St. Joseph, MI candidates 2; active ZIPs 0.
HUD assisted housing in St. Joseph, MI
1 assisted properties with 18 units sit in St. Joseph, MI; largest St. Joseph, MI properties: River Country (Three Rivers) 18 units, 18 assisted.
Lenders with branches in St. Joseph, MI
St. Joseph, MI lenders by branch count: Sturgis Bank&Trust Co (St. Joseph, MI): stress 77, 6 branches low in St. Joseph, MI; Southern Michigan Bank&Trust (St. Joseph, MI): stress 76, 6 branches low in St. Joseph, MI; Century Bank&Trust (St. Joseph, MI): stress 40, 4 branches low in St. Joseph, MI.
Vacancy and permits, St. Joseph, MI
3,682 of 27,302 St. Joseph, MI housing units are vacant; St. Joseph, MI permits, twelve months: 97 multifamily units in St. Joseph, MI, 124 one-to-four unit units.
Work St. Joseph, MI at the parcel level
Every St. Joseph, MI parcel carries owner and address; every St. Joseph, MI parcel carries APN; St. Joseph, MI distress scores sit on the St. Joseph, MI live board.
St. Joseph, MI figures refresh with each source.
St. Joseph, MI questions
Most distressed ZIP code in St. Joseph County, MI?
ZIP 49097 leads St. Joseph, MI at 28/100; next in St. Joseph, MI: 49011 at 21/100; the St. Joseph, MI average is 14/100.
Where does St. Joseph County, MI rank for investment opportunity?
St. Joseph, MI is #2,874 among all ranked counties, #81 in Michigan; the St. Joseph, MI driver is vacancy; St. Joseph, MI moved down 456 places.
How many mortgages are delinquent in St. Joseph County, MI?
St. Joseph, MI takes the non-metro area reading of 1.0% for December 2025; no CFPB county sample covers St. Joseph, MI.
Which banks lend in St. Joseph County, MI?
3 watched lenders hold St. Joseph, MI branches; the largest St. Joseph, MI footprints are Sturgis Bank&Trust Co (6), Southern Michigan Bank&Trust (6), Century Bank&Trust (4).
More on St. Joseph, MI
St. Joseph County, MI distress report: public-record figures for St. Joseph, MI; not legal advice for St. Joseph, MI; not tax or investment advice; verify every St. Joseph, MI record before acting.