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

Gratiot County, MI, Michigan: 21 ZIP codes scored, Gratiot County, MI averaging 25/100 (low, Gratiot, MI), from 18 to 30. Gratiot County, MI is in its peak phase (Gratiot, MI confidence 26/100): Gratiot, MI home prices up 4.2% (Gratiot, MI) over twelve months. Gratiot County, MI lender headwind: 47/100.

Highest-scoring Gratiot County, MI ZIPs: 48614 (30/100), 48637 (29/100), 48662 (27/100), 48615 (26/100), 48807 (26/100), 48801 (25/100). Also scored in Gratiot County, MI: 48806, 48832, 48847, 48856, 48862, 48871, 48874, 48880, 48889, 48811.

Across Gratiot County, MI's scored ZIPs: median home value $153,590, household income $66,375, 11.4% vacancy, 11.8% poverty, 86% owner-occupied, median age 42.4.

Gratiot County, MI insurance distress 55/100 (#998 in the US); FEMA hazard 52/100 for Gratiot, MI; 2 federal disaster declarations in Gratiot County, MI since 2023 (2 flood); 4 Gratiot, MI NFIP flood claims, $8K paid; Gratiot, MI construction distress 66/100.

4 banks with 10 branches lend in Gratiot County, MI; Gratiot, MI weighted bank stress 62/100, highest 73/100 in Gratiot, MI.

Gratiot County, MI unemployment 5.3% (Gratiot, MI -0.4 pts, six months); 38 new housing units permitted in Gratiot County, MI over twelve months, Gratiot, MI down 12% from 43; Gratiot, MI home prices +9.7% a year (Gratiot, MI) over three years.

16,081 housing units in Gratiot County, MI; 3,069 Gratiot, MI renter households; 45% of Gratiot, MI renters spend 30%+ of income on rent, 19% (Gratiot, MI) half or more.

Gratiot County, MI ranks #1,179 nationally on the opportunity index (Gratiot, MI, among all ranked counties); Gratiot, MI scores 30.6/100 and Gratiot, MI sits #41 inside Michigan. Gratiot, MI is in the watchlist opportunity phase; Gratiot, MI's primary driver is construction, Gratiot, MI second driver bank institutional; Gratiot, MI moved up 421 places. 5 short-sale listings across Gratiot, MI; 85 days on market observed in Gratiot, MI; 8.9% vacancy over 21 Gratiot, MI ZIPs.

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

Gratiot County, MI has 3 watched banks; 3 Gratiot, MI banks sit in an elevated band. Gratiot, MI footprints: Commercial Bank (4 branches, stress 64) in Gratiot, MI; Mercantile Bank (3 branches, stress 52) in Gratiot, MI; Isabella Bank (2 branches, stress 73) in Gratiot, MI.

1,306 of the 16,081 housing units in Gratiot, MI sit vacant. Gratiot County, MI permitted 0 multifamily units in twelve months; Gratiot, MI's one-to-four unit structures added 38 units in Gratiot County, MI.