Charlevoix County, MI: Foreclosures, Tax Liens & Distressed Properties

Charlevoix County, MI, Michigan: 10 ZIP codes scored, Charlevoix County, MI averaging 19/100 (low, Charlevoix, MI), from 10 to 21. Charlevoix County, MI is in its expansion phase (Charlevoix, MI confidence 32/100): Charlevoix, MI home prices up 5.5% (Charlevoix, MI) over twelve months. Charlevoix County, MI lender headwind: 31/100.

Highest-scoring Charlevoix County, MI ZIPs: 49770 (21/100), 49712 (20/100), 49713 (20/100), 49720 (20/100), 49782 (20/100), 49796 (20/100). Also scored in Charlevoix County, MI: 49727, 49729, 49730, 49795.

Across Charlevoix County, MI's scored ZIPs: median home value $267,370, household income $76,208, 35.2% vacancy, 8.7% poverty, 84% owner-occupied, median age 48.5.

Charlevoix County, MI insurance distress 59/100 (#923 in the US); FEMA hazard 52/100 for Charlevoix, MI; 4 federal disaster declarations in Charlevoix County, MI since 2023 (2 flood); 3 Charlevoix, MI NFIP flood claims, $54K paid; Charlevoix, MI construction distress 48/100.

4 banks with 11 branches lend in Charlevoix County, MI; Charlevoix, MI weighted bank stress 52/100, highest 65/100 in Charlevoix, MI.

Charlevoix County, MI unemployment 3.8% (Charlevoix, MI -1.9 pts, six months); 111 new housing units permitted in Charlevoix County, MI over twelve months, Charlevoix, MI up 2% from 109; Charlevoix, MI home prices +14.0% a year (Charlevoix, MI) over three years.

17,640 housing units in Charlevoix County, MI; 2,117 Charlevoix, MI renter households; 41% of Charlevoix, MI renters spend 30%+ of income on rent, 18% (Charlevoix, MI) half or more.

Charlevoix County, MI ranks #610 nationally on the opportunity index (Charlevoix, MI, among all ranked counties); Charlevoix, MI scores 32.9/100 and Charlevoix, MI sits #26 inside Michigan. Charlevoix, MI is in the overheated opportunity phase; Charlevoix, MI's primary driver is vacancy, Charlevoix, MI second driver bank institutional; Charlevoix, MI moved down 19 places. 8 short-sale listings across Charlevoix, MI; 27 days on market observed in Charlevoix, MI; 29.3% vacancy over 10 Charlevoix, MI ZIPs.

No CFPB county sample covers Charlevoix County, MI. The non-metro area reading for Charlevoix, MI: 1.0% ninety-plus days late; Charlevoix, MI's thirty-to-eighty-nine share is 2.6% (Charlevoix, MI, December 2025 data); Michigan overall 0.9%.

Charlevoix County, MI has 1 watched bank; 1 Charlevoix, MI bank sits in an elevated band. Charlevoix, MI footprints: Charlevoix State Bank (6 branches, stress 45) in Charlevoix, MI.

HUD lists 1 assisted multifamily property in Charlevoix County, MI with 10 units; 10 Charlevoix, MI units are assisted.

5,373 of the 17,640 housing units in Charlevoix, MI sit vacant. Charlevoix County, MI permitted 0 multifamily units in twelve months; Charlevoix, MI's one-to-four unit structures added 111 units in Charlevoix County, MI.