Michigan County Foreclosure & Distress Reports (2026)
One report per county — 83 in Michigan — each scored 0-100 from public foreclosure, tax-lien, mortgage and bank-stress records and refreshed monthly. The live county pages sit under the Michigan distress hub; insurance pressure is on the Michigan home-insurance page.
83 Michigan county reports sit in this archive; Michigan opportunity phases run 24 early_signal, 23 weak, 19 peak_opportunity; Michigan ninety-day delinquency 0.9%; 74 banks chartered in Michigan; 62,651 HUD-assisted Michigan units.
Michigan counties to open first by opportunity rank: Crawford (#23, strong_buy); Roscommon (#92, strong_buy); Luce (#92, strong_buy) in Michigan; Iron (#97, strong_buy); Clare (#111, strong_buy); Alger (#151, overheated).
Michigan insurance bands across counties: 32 medium in Michigan, 30 low, 21 zero; Michigan NFIP claims 423 in three years.
Michigan counties in the peak phase (43): Allegan, Alpena, Barry, Benzie, Branch, Chippewa (Michigan), Delta, Dickinson, Emmet, Genesee, Grand Traverse, Gratiot (Michigan), Hillsdale, Houghton, Ionia, Isabella, Kalamazoo, Kalkaska (Michigan), Kent, Keweenaw, Lapeer, Leelanau, Lenawee, Livingston (Michigan), Macomb, Marquette, Mason, Mecosta, Menominee, Midland (Michigan), Missaukee, Monroe, Montcalm, Muskegon, Oakland, Ottawa (Michigan), Saginaw, Shiawassee, St. Clair, St. Joseph, Washtenaw, Wayne (Michigan), Wexford.
Michigan counties in the expansion phase (37): Alcona, Alger, Antrim, Arenac, Baraga, Bay (Michigan), Berrien, Calhoun, Cass, Charlevoix, Cheboygan, Clare (Michigan), Crawford, Gladwin, Gogebic, Huron, Iosco, Iron (Michigan), Jackson, Lake, Luce, Mackinac, Manistee, Montmorency (Michigan), Newaygo, Oceana, Ogemaw, Ontonagon, Osceola, Oscoda (Michigan), Otsego, Presque Isle, Roscommon, Sanilac, Schoolcraft, Tuscola (Michigan), Van Buren.
Michigan counties in the neutral phase (3): Clinton, Eaton, Ingham.
Michigan permitted 22,387 housing units in twelve months; 545,867 Michigan units sit vacant of 4,622,236.
Michigan counties highest on the national opportunity index: Crawford #23 (39.9/100, strong_buy); Luce #92 (37.3/100, strong_buy); Roscommon #92 (37.3/100, strong_buy) in Michigan; Iron #97 (37.2/100, strong_buy); Clare #111 (37.0/100, strong_buy); Alger #151 (36.3/100, overheated) in Michigan; Kalkaska #193 (35.9/100, peak_opportunity); Wayne #193 (35.9/100, peak_opportunity); Osceola #208 (35.7/100, peak_opportunity) in Michigan; Iosco #229 (35.5/100, peak_opportunity); Cheboygan #270 (35.0/100, peak_opportunity); Schoolcraft #270 (35.0/100, peak_opportunity) in Michigan.
How the Michigan county reports are scored: each Michigan report reads its county's foreclosure filings, Michigan tax-lien and tax-deed records, FHA mortgage delinquency in Michigan (ninety-day rate 0.9%, December 2025), the FDIC stress of Michigan lenders (74 chartered in Michigan) and FEMA/NFIP pressure on Michigan (423 NFIP claims, three years), then scores every Michigan ZIP 0-100.
Crawford County leads Michigan on the opportunity index at #23 nationally with 4 scored ZIPs. Every Michigan report is rebuilt monthly from public records; a Michigan county whose data lapses keeps its Michigan page and says so.