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

Ottawa County, MI, Michigan: 25 ZIP codes scored, Ottawa County, MI averaging 25/100 (low, Ottawa, MI), from 24 to 28. Ottawa County, MI is in its peak phase (Ottawa, MI confidence 25/100): Ottawa, MI home prices up 3.9% (Ottawa, MI) over twelve months. Ottawa County, MI lender headwind: 40/100.

Highest-scoring Ottawa County, MI ZIPs: 49415 (28/100), 49451 (28/100), 49544 (28/100), 49315 (27/100), 49318 (27/100), 49330 (27/100). Also scored in Ottawa County, MI: 49418, 49534, 49323, 49448, 49456, 49401, 49403, 49404, 49409, 49417.

Across Ottawa County, MI's scored ZIPs: median home value $305,905, household income $87,303, 7.5% vacancy, 6.4% poverty, 85% owner-occupied, median age 38.6.

Ottawa County, MI insurance distress 23/100 (#2,007 in the US); FEMA hazard 0/100 for Ottawa, MI; 8 Ottawa, MI NFIP flood claims, $49K paid; Ottawa, MI construction distress 61/100.

15 banks with 61 branches lend in Ottawa County, MI; Ottawa, MI weighted bank stress 57/100, highest 90/100 in Ottawa, MI.

Ottawa County, MI unemployment 4.0% (Ottawa, MI +0.2 pts, six months); 1,143 new housing units permitted in Ottawa County, MI over twelve months, Ottawa, MI down 12% from 1,306; Ottawa, MI home prices +10.7% a year (Ottawa, MI) over three years.

117,604 housing units in Ottawa County, MI; 23,657 Ottawa, MI renter households; 44% of Ottawa, MI renters spend 30%+ of income on rent, 21% (Ottawa, MI) half or more.

Ottawa County, MI ranks #2,852 nationally on the opportunity index (Ottawa, MI, among all ranked counties); Ottawa, MI scores 24.1/100 and Ottawa, MI sits #81 inside Michigan. Ottawa, MI is in the weak opportunity phase; Ottawa, MI's primary driver is construction, Ottawa, MI second driver bank institutional; Ottawa, MI moved up 98 places. 17 short-sale listings across Ottawa, MI; 94 days on market observed in Ottawa, MI; 5.1% vacancy over 25 Ottawa, MI ZIPs.

0.4% of Ottawa County, MI mortgages were ninety-plus days late in December 2025; Ottawa, MI's thirty-to-eighty-nine-day share was 1.9% (CFPB county sample). Ottawa, MI's ninety-day rate is up 0.1 points on twelve months earlier; the Ottawa, MI peak since 2008 was 3.1% in November 2009; Michigan overall reads 0.9%.

Ottawa County, MI has 8 watched banks; 8 Ottawa, MI banks sit in an elevated band. Ottawa, MI footprints: Macatawa Bank National Assn (15 branches, stress 37) in Ottawa, MI; West Michigan Community Bank (6 branches, stress 66) in Ottawa, MI; United Bank Of Michigan (2 branches, stress 63) in Ottawa, MI.

HUD lists 11 assisted multifamily properties in Ottawa County, MI with 844 units; 421 Ottawa, MI units are assisted, 7 Ottawa, MI properties under project-based Section 8.

6,282 of the 117,604 housing units in Ottawa, MI sit vacant. Ottawa County, MI permitted 261 multifamily units in twelve months; Ottawa, MI's one-to-four unit structures added 882 units in Ottawa County, MI.