Oceana County, MI: Foreclosures, Tax Liens & Distressed Properties
Oceana County, MI, Michigan: 12 ZIP codes scored, Oceana County, MI averaging 21/100 (low, Oceana, MI), from 8 to 26. Oceana County, MI is in its expansion phase (Oceana, MI confidence 32/100): Oceana, MI home prices up 5.5% (Oceana, MI) over twelve months. Oceana County, MI lender headwind: 72/100.
Highest-scoring Oceana County, MI ZIPs: 49425 (26/100), 49437 (26/100), 49412 (22/100), 49421 (22/100), 49420 (21/100), 49436 (21/100). Also scored in Oceana County, MI: 49446, 49452, 49455, 49459, 49449, 49402.
Across Oceana County, MI's scored ZIPs: median home value $189,842, household income $64,081, 30.7% vacancy, 13.7% poverty, 87% owner-occupied, median age 45.2.
Oceana County, MI insurance distress 60/100 (#887 in the US); FEMA hazard 52/100 for Oceana, MI; 2 federal disaster declarations in Oceana County, MI since 2023 (2 flood); 3 Oceana, MI NFIP flood claims, $83K paid; Oceana, MI construction distress 51/100.
5 banks with 9 branches lend in Oceana County, MI; Oceana, MI weighted bank stress 71/100, highest 79/100 in Oceana, MI.
Oceana County, MI unemployment 5.4% (Oceana, MI -3.3 pts, six months); 135 new housing units permitted in Oceana County, MI over twelve months, Oceana, MI down 1% from 137; Oceana, MI home prices +13.7% a year (Oceana, MI) over three years.
15,723 housing units in Oceana County, MI; 1,524 Oceana, MI renter households; 30% of Oceana, MI renters spend 30%+ of income on rent, 13% (Oceana, MI) half or more.
Oceana County, MI ranks #1,071 nationally on the opportunity index (Oceana, MI, among all ranked counties); Oceana, MI scores 30.9/100 and Oceana, MI sits #36 inside Michigan. Oceana, MI is in the early_signal opportunity phase; Oceana, MI's primary driver is vacancy, Oceana, MI second driver bank institutional; Oceana, MI moved down 760 places. 4 short-sale listings across Oceana, MI; 28 days on market observed in Oceana, MI; 27.0% vacancy over 12 Oceana, MI ZIPs.
No CFPB county sample covers Oceana County, MI. The non-metro area reading for Oceana, MI: 1.0% ninety-plus days late; Oceana, MI's thirty-to-eighty-nine share is 2.6% (Oceana, MI, December 2025 data); Michigan overall 0.9%.
Oceana County, MI has 3 watched banks; 3 Oceana, MI banks sit in an elevated band. Oceana, MI footprints: Shelby State Bank (4 branches, stress 79) in Oceana, MI; West Shore Bank (1 branch, stress 76) in Oceana, MI; Lake-Osceola State Bank (1 branch, stress 55) in Oceana, MI.
5,304 of the 15,723 housing units in Oceana, MI sit vacant. Oceana County, MI permitted 0 multifamily units in twelve months; Oceana, MI's one-to-four unit structures added 135 units in Oceana County, MI.