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

Otsego County, MI, Michigan: 7 ZIP codes scored, Otsego County, MI averaging 14/100 (minimal, Otsego, MI), from 8 to 22. Otsego County, MI is in its expansion phase (Otsego, MI confidence 32/100): Otsego, MI home prices up 5.5% (Otsego, MI) over twelve months. Otsego County, MI lender headwind: 71/100.

Highest-scoring Otsego County, MI ZIPs: 49738 (22/100), 49733 (21/100), 49730 (17/100), 49756 (13/100), 49751 (10/100), 49795 (10/100). Also scored in Otsego County, MI: 49735.

Across Otsego County, MI's scored ZIPs: median home value $181,271, household income $64,002, 40.2% vacancy, 12.8% poverty, 85% owner-occupied, median age 48.4.

Otsego County, MI insurance distress 0/100 (#2,739 in the US); FEMA hazard 0/100 for Otsego, MI; 2 federal disaster declarations in Otsego County, MI since 2023; Otsego, MI construction distress 48/100.

5 banks with 6 branches lend in Otsego County, MI; Otsego, MI weighted bank stress 67/100, highest 88/100 in Otsego, MI.

Otsego County, MI unemployment 4.4% (Otsego, MI -1.0 pts, six months); 25 new housing units permitted in Otsego County, MI over twelve months, Otsego, MI up 4% from 24; Otsego, MI home prices +15.0% a year (Otsego, MI) over three years.

14,882 housing units in Otsego County, MI; 2,419 Otsego, MI renter households; 49% of Otsego, MI renters spend 30%+ of income on rent, 18% (Otsego, MI) half or more.

Otsego County, MI ranks #568 nationally on the opportunity index (Otsego, MI, among all ranked counties); Otsego, MI scores 33.1/100 and Otsego, MI sits #24 inside Michigan. Otsego, MI is in the peak_opportunity opportunity phase; Otsego, MI's primary driver is vacancy, Otsego, MI second driver bank institutional; Otsego, MI moved up 356 places. 12 short-sale listings across Otsego, MI; 28 days on market observed in Otsego, MI; 24.7% vacancy over 7 Otsego, MI ZIPs.

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

Otsego County, MI has 1 watched bank; 1 Otsego, MI bank sits in an elevated band. Otsego, MI footprints: State Savings Bank (2 branches, stress 88) in Otsego, MI.

3,651 of the 14,882 housing units in Otsego, MI sit vacant. Otsego County, MI permitted 0 multifamily units in twelve months; Otsego, MI's one-to-four unit structures added 25 units in Otsego County, MI.