Bay County, MI: Foreclosures, Tax Liens & Distressed Properties
Bay County, MI, Michigan: 17 ZIP codes scored, Bay County, MI averaging 17/100 (low, Bay, MI), from 8 to 29. Bay County, MI is in its expansion phase (Bay, MI confidence 49/100): Bay, MI home prices up 5.1% (Bay, MI) over twelve months. Bay County, MI lender headwind: 51/100.
Highest-scoring Bay County, MI ZIPs: 48604 (29/100), 48623 (28/100), 48757 (24/100), 48642 (22/100), 48708 (17/100), 48747 (17/100). Also scored in Bay County, MI: 48611, 48631, 48634, 48650, 48652, 48706, 48710, 48732, 48613, 48658.
Across Bay County, MI's scored ZIPs: median home value $161,344, household income $66,862, 8.9% vacancy, 11.7% poverty, 83% owner-occupied, median age 43.4.
Bay County, MI insurance distress 0/100 (#2,724 in the US); FEMA hazard 0/100 for Bay, MI; Bay, MI construction distress 42/100.
7 banks with 19 branches lend in Bay County, MI; Bay, MI weighted bank stress 64/100, highest 73/100 in Bay, MI.
Bay County, MI unemployment 5.4% (Bay, MI -0.9 pts, six months); 42 new housing units permitted in Bay County, MI over twelve months, Bay, MI up 11% from 38; Bay, MI home prices +10.5% a year (Bay, MI) over three years.
48,659 housing units in Bay County, MI; 10,618 Bay, MI renter households; 40% of Bay, MI renters spend 30%+ of income on rent, 20% (Bay, MI) half or more.
Bay County, MI ranks #2,279 nationally on the opportunity index (Bay, MI, among all ranked counties); Bay, MI scores 26.8/100 and Bay, MI sits #69 inside Michigan. Bay, MI is in the weak opportunity phase; Bay, MI's primary driver is bank institutional, Bay, MI second driver construction; Bay, MI moved up 298 places. 10 short-sale listings across Bay, MI; 80 days on market observed in Bay, MI; 7.3% vacancy over 17 Bay, MI ZIPs.
No CFPB county sample covers Bay County, MI. The non-metro area reading for Bay, MI: 1.0% ninety-plus days late; Bay, MI's thirty-to-eighty-nine share is 2.6% (Bay, MI, December 2025 data); Michigan overall 0.9%.
Bay County, MI has 4 watched banks; 4 Bay, MI banks sit in an elevated band. Bay, MI footprints: Independent Bank (5 branches, stress 67) in Bay, MI; 1st State Bank (2 branches, stress 57) in Bay, MI; Isabella Bank (1 branch, stress 73) in Bay, MI.
HUD lists 6 assisted multifamily properties in Bay County, MI with 796 units; 436 Bay, MI units are assisted, 3 Bay, MI properties under project-based Section 8.
3,556 of the 48,659 housing units in Bay, MI sit vacant. Bay County, MI permitted 5 multifamily units in twelve months; Bay, MI's one-to-four unit structures added 37 units in Bay County, MI.