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

Oscoda County, MI, Michigan: 8 ZIP codes scored, Oscoda County, MI averaging 13/100 (minimal, Oscoda, MI), from 11 to 14. Oscoda County, MI is in its expansion phase (Oscoda, MI confidence 32/100): Oscoda, MI home prices up 5.5% (Oscoda, MI) over twelve months. Oscoda County, MI lender headwind: 32/100.

Highest-scoring Oscoda County, MI ZIPs: 48728 (14/100), 48761 (14/100), 48619 (13/100), 48621 (13/100), 48636 (13/100), 48647 (13/100). Also scored in Oscoda County, MI: 49756, 48654.

Across Oscoda County, MI's scored ZIPs: median home value $135,713, household income $48,723, 52.5% vacancy, 16.7% poverty, 87% owner-occupied, median age 57.5.

Oscoda County, MI insurance distress 27/100 (#1,743 in the US); FEMA hazard 52/100 for Oscoda, MI; 4 federal disaster declarations in Oscoda County, MI since 2023 (2 flood); Oscoda, MI construction distress 43/100.

2 banks with 2 branches lend in Oscoda County, MI; Oscoda, MI weighted bank stress 58/100, highest 63/100 in Oscoda, MI.

Oscoda County, MI unemployment 8.6% (Oscoda, MI -3.0 pts, six months); 27 new housing units permitted in Oscoda County, MI over twelve months, Oscoda, MI up 4% from 26; Oscoda, MI home prices +11.2% a year (Oscoda, MI) over three years.

7,719 housing units in Oscoda County, MI; 486 Oscoda, MI renter households; 32% of Oscoda, MI renters spend 30%+ of income on rent, 11% (Oscoda, MI) half or more.

Oscoda County, MI ranks #392 nationally on the opportunity index (Oscoda, MI, among all ranked counties); Oscoda, MI scores 34.0/100 and Oscoda, MI sits #16 inside Michigan. Oscoda, MI is in the peak_opportunity opportunity phase; Oscoda, MI's primary driver is vacancy, Oscoda, MI second driver bank institutional; Oscoda, MI moved down 108 places. 5 short-sale listings across Oscoda, MI; 22 days on market observed in Oscoda, MI; 49.1% vacancy over 8 Oscoda, MI ZIPs.

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

Oscoda County, MI has 1 watched bank; 1 Oscoda, MI bank sits in an elevated band. Oscoda, MI footprints: Mercantile Bank (1 branch, stress 52) in Oscoda, MI.

HUD lists 1 assisted multifamily property in Oscoda County, MI with 61 units; 60 Oscoda, MI units are assisted, 1 Oscoda, MI properties under project-based Section 8.

3,931 of the 7,719 housing units in Oscoda, MI sit vacant. Oscoda County, MI permitted 0 multifamily units in twelve months; Oscoda, MI's one-to-four unit structures added 27 units in Oscoda County, MI.