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

Emmet County, MI, Michigan: 11 ZIP codes scored, Emmet County, MI averaging 21/100 (low, Emmet, MI), from 19 to 23. Emmet County, MI is in its peak phase (Emmet, MI confidence 26/100): Emmet, MI home prices up 4.2% (Emmet, MI) over twelve months. Emmet County, MI lender headwind: 47/100.

Highest-scoring Emmet County, MI ZIPs: 49701 (23/100), 49706 (22/100), 49716 (22/100), 49755 (22/100), 49718 (21/100), 49722 (21/100). Also scored in Emmet County, MI: 49740, 49764, 49769, 49770, 49713.

Across Emmet County, MI's scored ZIPs: median home value $277,760, household income $76,153, 38.9% vacancy, 11.1% poverty, 74% owner-occupied, median age 48.3.

Emmet County, MI insurance distress 56/100 (#992 in the US); FEMA hazard 52/100 for Emmet, MI; 4 federal disaster declarations in Emmet County, MI since 2023 (2 flood); 3 Emmet, MI NFIP flood claims, $18K paid; Emmet, MI construction distress 45/100.

8 banks with 19 branches lend in Emmet County, MI; Emmet, MI weighted bank stress 64/100, highest 87/100 in Emmet, MI.

Emmet County, MI unemployment 4.1% (Emmet, MI -2.8 pts, six months); 143 new housing units permitted in Emmet County, MI over twelve months, Emmet, MI up 5% from 136; Emmet, MI home prices +13.2% a year (Emmet, MI) over three years.

21,979 housing units in Emmet County, MI; 3,390 Emmet, MI renter households; 36% of Emmet, MI renters spend 30%+ of income on rent, 14% (Emmet, MI) half or more.

Emmet County, MI ranks #1,580 nationally on the opportunity index (Emmet, MI, among all ranked counties); Emmet, MI scores 29.1/100 and Emmet, MI sits #52 inside Michigan. Emmet, MI is in the early_signal opportunity phase; Emmet, MI's primary driver is vacancy, Emmet, MI second driver bank institutional; Emmet, MI moved down 746 places. 3 short-sale listings across Emmet, MI; 112 days on market observed in Emmet, MI; 32.9% vacancy over 11 Emmet, MI ZIPs.

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

Emmet County, MI has 3 watched banks; 3 Emmet, MI banks sit in an elevated band. Emmet, MI footprints: First Community Bank (6 branches, stress 53) in Emmet, MI; Citizens Nb Of Cheboygan (4 branches, stress 87) in Emmet, MI; Mercantile Bank (1 branch, stress 52) in Emmet, MI.

HUD lists 2 assisted multifamily properties in Emmet County, MI with 73 units; 16 Emmet, MI units are assisted.

6,789 of the 21,979 housing units in Emmet, MI sit vacant. Emmet County, MI permitted 0 multifamily units in twelve months; Emmet, MI's one-to-four unit structures added 143 units in Emmet County, MI.