Michigan Foreclosures, Tax Liens & Distressed Properties

DLRadar reads Michigan from the parcel up: foreclosure, tax, mortgage and lender records rolled into one score per ZIP. Most Michigan counties sit in a peak phase, with home prices up 4.7% year over year. By market phase, the county split is 43 peak, 37 expansion, 3 neutral. Statewide, 992 ZIPs in 83 counties are scored (avg 22/100).

Alcona County, Gogebic County, Iron County, Keweenaw County, Mackinac County top Michigan for distress; drill into any for the ZIP detail.

Statewide ZIP distress tops out at 48101 (34/100), 48111 (34/100), 48120 (34/100), 48122 (34/100), 48124 (34/100).

Distress and market phase, county by county in Michigan:

Alcona County: expansion, values rising 5.5%, lender pressure 100/100. In Alger County, expansion: up 5.5% on the year, bank stress 63/100. Allegan County is peak (values rising 4.2%, a 45/100 lender reading). Alpena County sits in peak, values rising 4.2%, headwind 23/100. Antrim County: expansion, prices up 5.5%, lender pressure 23/100. Arenac County is expansion (values rising 5.5%, headwind 81/100). Baraga County: expansion, homes +5.5% YoY, lender pressure 52/100.

Barry County: peak, values rising 3.9%, lender pressure 84/100. Bay County sits in expansion, homes +5.1% YoY, bank stress 51/100. Benzie County — peak, values rising 3.1%, headwind 85/100. Berrien County is in its expansion phase, prices up 7.0%, lender pressure 51/100. Branch County — peak, appreciation near 4.2%, a 48/100 lender reading. Calhoun County reads expansion — values rising 8.7%, bank stress 74/100. Cass County is expansion (prices up 6.1%, headwind 60/100).

Charlevoix County: expansion, up 5.5% on the year, bank stress 31/100. Cheboygan County — expansion, up 5.5% on the year, bank stress 79/100. Chippewa County — peak, prices up 4.2%, lender pressure 34/100. In Clare County, expansion: homes +5.5% YoY, bank stress 62/100. Clinton County is in its neutral phase, appreciation near 4.7%, lender pressure 48/100. Crawford County — expansion, values rising 5.5%, bank stress 79/100. In Delta County, peak: up 4.2% on the year, lender pressure 21/100.

In Dickinson County, peak: values rising 4.2%, a 77/100 lender reading. Eaton County: neutral, homes +4.7% YoY, a 78/100 lender reading. Emmet County is in its peak phase, prices up 4.2%, bank stress 47/100. Genesee County is in its peak phase, prices up 3.2%, a 57/100 lender reading. Gladwin County — expansion, up 5.5% on the year, a 48/100 lender reading. Gogebic County: expansion, values rising 5.5%, headwind 100/100. Grand Traverse County is in its peak phase, up 3.1% on the year, lender pressure 49/100.

Gratiot County is peak (prices up 4.2%, bank stress 47/100). Hillsdale County reads peak — appreciation near 4.2%, bank stress 69/100. Houghton County: peak, appreciation near 4.2%, lender pressure 64/100. In Huron County, expansion: values rising 5.5%, lender pressure 48/100. Ingham County is in its neutral phase, homes +4.7% YoY, headwind 61/100. Ionia County — peak, up 3.9% on the year, headwind 53/100. Iosco County: expansion, prices up 5.5%, bank stress 75/100.

Iron County — expansion, homes +5.5% YoY, a 100/100 lender reading. DLRadar reads Isabella County as peak — values rising 4.2%, bank stress 64/100. Jackson County reads expansion — up 5.8% on the year, a 79/100 lender reading. Kalamazoo County — peak, values rising 0.6%, lender pressure 61/100. Kalkaska County is peak (prices up 3.1%, lender pressure 49/100). Kent County reads peak — up 3.9% on the year, a 52/100 lender reading. DLRadar reads Keweenaw County as peak — appreciation near 4.2%, headwind 100/100.

Lake County reads expansion — up 5.5% on the year, lender pressure 33/100. Lapeer County is in its peak phase, prices up 4.2%, a 47/100 lender reading. Leelanau County reads peak — values rising 3.1%, lender pressure 62/100. Lenawee County is peak (up 4.2% on the year, bank stress 41/100). Livingston County — peak, appreciation near 4.2%, bank stress 43/100. Luce County is in its expansion phase, values rising 5.5%, headwind 81/100. Mackinac County — expansion, prices up 5.5%, headwind 100/100.

DLRadar reads Macomb County as peak — homes +4.2% YoY, bank stress 65/100.

Michigan opportunity phases: 23 early_signal, 23 weak, 19 peak_opportunity, 11 watchlist, 5 strong_buy, 2 overheated; Michigan average index 30.5. Best-ranked Michigan counties: Crawford #25 (40.0), vacancy; Roscommon #81 (37.6), vacancy; Iron #83 (37.5), vacancy in Michigan; Luce #94 (37.3), vacancy; Clare #109 (37.0), vacancy; Alger #161 (36.3), vacancy.

Michigan mortgages ninety-plus days late: 0.9%; Michigan thirty-to-eighty-nine days late 2.4% (December 2025); 18 Michigan counties sit in the CFPB sample; highest Michigan county readings: Wayne 1.3%, Monroe 1.2%, Calhoun 1.2%, Muskegon 1.2%, Jackson 1.2%.

Michigan county unemployment averages 5.1% across 83 counties; Michigan permitted 22,387 housing units in twelve months (6,585 multifamily); 545,867 of 4,622,236 Michigan housing units are vacant; 1,094,011 Michigan renter households, 40.8% spending 30%+ of income on rent.

Michigan ZIP price-cycle phases: 719 peak, 486 expansion, 34 neutral.