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

Cheboygan County, MI, Michigan: 15 ZIP codes scored, Cheboygan County, MI averaging 22/100 (low, Cheboygan, MI), from 10 to 26. Cheboygan County, MI is in its expansion phase (Cheboygan, MI confidence 32/100): Cheboygan, MI home prices up 5.5% (Cheboygan, MI) over twelve months. Cheboygan County, MI lender headwind: 79/100.

Highest-scoring Cheboygan County, MI ZIPs: 49705 (26/100), 49717 (26/100), 49721 (26/100), 49749 (26/100), 49791 (26/100), 49799 (26/100). Also scored in Cheboygan County, MI: 49701, 49706, 49716, 49755, 49718, 49769, 49770, 49765, 49795.

Across Cheboygan County, MI's scored ZIPs: median home value $211,136, household income $66,950, 41.8% vacancy, 13.3% poverty, 84% owner-occupied, median age 49.7.

Cheboygan County, MI insurance distress 68/100 (#683 in the US); FEMA hazard 52/100 for Cheboygan, MI; 4 federal disaster declarations in Cheboygan County, MI since 2023 (2 flood); 32 Cheboygan, MI NFIP flood claims, $1.7M paid; Cheboygan, MI construction distress 49/100.

4 banks with 8 branches lend in Cheboygan County, MI; Cheboygan, MI weighted bank stress 75/100, highest 87/100 in Cheboygan, MI.

Cheboygan County, MI unemployment 4.6% (Cheboygan, MI -8.4 pts, six months); 78 new housing units permitted in Cheboygan County, MI over twelve months, Cheboygan, MI up 0% from 78; Cheboygan, MI home prices +15.7% a year (Cheboygan, MI) over three years.

17,788 housing units in Cheboygan County, MI; 1,612 Cheboygan, MI renter households; 41% of Cheboygan, MI renters spend 30%+ of income on rent, 21% (Cheboygan, MI) half or more.

Cheboygan County, MI ranks #236 nationally on the opportunity index (Cheboygan, MI, among all ranked counties); Cheboygan, MI scores 35.5/100 and Cheboygan, MI sits #11 inside Michigan. Cheboygan, MI is in the peak_opportunity opportunity phase; Cheboygan, MI's primary driver is vacancy, Cheboygan, MI second driver bank institutional; Cheboygan, MI moved down 32 places. 6 short-sale listings across Cheboygan, MI; 90 days on market observed in Cheboygan, MI; 36.0% vacancy over 15 Cheboygan, MI ZIPs.

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

Cheboygan County, MI has 2 watched banks; 2 Cheboygan, MI banks sit in an elevated band. Cheboygan, MI footprints: Citizens Nb Of Cheboygan (5 branches, stress 87) in Cheboygan, MI; First Community Bank (1 branch, stress 53) in Cheboygan, MI.

HUD lists 1 assisted multifamily property in Cheboygan County, MI with 24 units; 24 Cheboygan, MI units are assisted, 1 Cheboygan, MI properties under project-based Section 8.

6,629 of the 17,788 housing units in Cheboygan, MI sit vacant. Cheboygan County, MI permitted 0 multifamily units in twelve months; Cheboygan, MI's one-to-four unit structures added 78 units in Cheboygan County, MI.