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

Saginaw County, MI, Michigan: 28 ZIP codes scored, Saginaw County, MI averaging 27/100 (low, Saginaw, MI), from 17 to 30. Saginaw County, MI is in its peak phase (Saginaw, MI confidence 22/100): Saginaw, MI home prices up 4.0% (Saginaw, MI) over twelve months. Saginaw County, MI lender headwind: 55/100.

Highest-scoring Saginaw County, MI ZIPs: 48415 (30/100), 48417 (30/100), 48601 (30/100), 48602 (30/100), 48603 (30/100), 48607 (30/100). Also scored in Saginaw County, MI: 48609, 48614, 48616, 48626, 48638, 48649, 48655, 48722, 48724, 48604.

Across Saginaw County, MI's scored ZIPs: median home value $159,325, household income $61,591, 8.0% vacancy, 14.7% poverty, 79% owner-occupied, median age 43.4.

Saginaw County, MI insurance distress 64/100 (#809 in the US); FEMA hazard 52/100 for Saginaw, MI; 2 federal disaster declarations in Saginaw County, MI since 2023 (2 flood); 43 Saginaw, MI NFIP flood claims, $401K paid; Saginaw, MI construction distress 53/100.

10 banks with 32 branches lend in Saginaw County, MI; Saginaw, MI weighted bank stress 63/100, highest 73/100 in Saginaw, MI.

Saginaw County, MI unemployment 5.8% (Saginaw, MI -0.4 pts, six months); 170 new housing units permitted in Saginaw County, MI over twelve months, Saginaw, MI down 1% from 172; Saginaw, MI home prices +9.6% a year (Saginaw, MI) over three years.

86,208 housing units in Saginaw County, MI; 20,544 Saginaw, MI renter households; 50% of Saginaw, MI renters spend 30%+ of income on rent, 26% (Saginaw, MI) half or more.

Saginaw County, MI ranks #568 nationally on the opportunity index (Saginaw, MI, among all ranked counties); Saginaw, MI scores 33.1/100 and Saginaw, MI sits #24 inside Michigan. Saginaw, MI is in the peak_opportunity opportunity phase; Saginaw, MI's primary driver is bank institutional, Saginaw, MI second driver construction; Saginaw, MI moved up 631 places. 45 short-sale listings across Saginaw, MI; 81 days on market observed in Saginaw, MI; 9.8% vacancy over 28 Saginaw, MI ZIPs.

0.8% of Saginaw County, MI mortgages were ninety-plus days late in December 2025; Saginaw, MI's thirty-to-eighty-nine-day share was 3.1% (CFPB county sample). Saginaw, MI's ninety-day rate is down 0.1 points on twelve months earlier; the Saginaw, MI peak since 2008 was 4.9% in January 2010; Michigan overall reads 0.9%.

Saginaw County, MI has 6 watched banks; 6 Saginaw, MI banks sit in an elevated band. Saginaw, MI footprints: Isabella Bank (5 branches, stress 73) in Saginaw, MI; Choiceone Bank (5 branches, stress 60) in Saginaw, MI; Independent Bank (3 branches, stress 67) in Saginaw, MI.

HUD lists 8 assisted multifamily properties in Saginaw County, MI with 965 units; 379 Saginaw, MI units are assisted, 2 Saginaw, MI properties under project-based Section 8.

8,250 of the 86,208 housing units in Saginaw, MI sit vacant. Saginaw County, MI permitted 15 multifamily units in twelve months; Saginaw, MI's one-to-four unit structures added 155 units in Saginaw County, MI.