St. Joseph County, MI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in St. Joseph County, Michigan? DLRadar grades every St. Joseph County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 29/100. Here is the 2026 St. Joseph County breakdown.
- St. Joseph County's most distressed ZIP is 49097 at 29/100.
- 13 ZIP codes tracked in St. Joseph County, averaging 15/100 distress.
- St. Joseph County reads peak — home values up 4.2% year over year.
- Vacancy runs 11.6% across St. Joseph County's tracked ZIPs, with a 13.8% poverty rate.
- The typical St. Joseph County home is worth about $175,008 against a ~$67,530 median income.
- Lending headwind in St. Joseph County sits at 69/100 — 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 | 49097 | 29/100 |
| 2 | 49011 | 22/100 |
| 3 | 49067 | 17/100 |
| 4 | 49072 | 13/100 |
| 5 | 49099 | 13/100 |
| 6 | 49030 | 12/100 |
| 7 | 49032 | 12/100 |
| 8 | 49040 | 12/100 |
| 9 | 49042 | 12/100 |
| 10 | 49066 | 12/100 |
| 11 | 49075 | 12/100 |
| 12 | 49091 | 12/100 |
Most distressed ZIP codes in St. Joseph County (composite distress 0-100, 2026)
What is driving St. Joseph County distress
DLRadar builds St. Joseph County's distress picture only from records anyone can pull; its ZIPs average 15/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
St. Joseph County market phase and pricing
DLRadar places St. Joseph 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. Joseph County
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What people ask
Which St. Joseph County ZIP scores worst for distress?
ZIP 49097 leads St. Joseph County at 29/100, recomputed monthly from public records.
What market phase is St. Joseph County in?
St. Joseph County is classified peak with a 4.2% year-over-year increase, following the FHFA House Price Index.
Where does the St. Joseph County data come from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 13 St. Joseph County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between St. Joseph County ZIP codes?
The county figure is a blend, not a description. Across the St. Joseph County ZIPs DLRadar ranks, scores run from 29/100 in 49097 down to 12/100 in 49091, against a St. Joseph County average of 15/100. The 17-point range is the argument for ZIP-level search across St. Joseph County.
What do St. Joseph County home values and vacancy say about distressed supply?
The typical St. Joseph County home carries about $175,008 of value against a median household income near $67,530. Vacancy across St. Joseph County's tracked ZIPs runs 11.6% and the poverty rate is 13.8%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to St. Joseph County's foreclosure and lien filings and its 69/100 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.