St. Joseph County, MI: Foreclosures, Tax Liens & Distressed Properties
St. Joseph County, MI, Michigan: 13 ZIP codes scored, St. Joseph County, MI averaging 14/100 (minimal, St. Joseph, MI), from 11 to 28. St. Joseph County, MI is in its peak phase (St. Joseph, MI confidence 26/100): St. Joseph, MI home prices up 4.2% (St. Joseph, MI) over twelve months. St. Joseph County, MI lender headwind: 69/100.
Highest-scoring St. Joseph County, MI ZIPs: 49097 (28/100), 49011 (21/100), 49067 (15/100), 49040 (12/100), 49072 (12/100), 49099 (12/100). Also scored in St. Joseph County, MI: 49030, 49032, 49042, 49066, 49075, 49091, 49093.
Across St. Joseph County, MI's scored ZIPs: median home value $175,008, household income $67,530, 11.6% vacancy, 13.8% poverty, 81% owner-occupied, median age 39.9.
St. Joseph County, MI insurance distress 0/100 (#2,740 in the US); FEMA hazard 0/100 for St. Joseph, MI; St. Joseph, MI construction distress 20/100.
8 banks with 22 branches lend in St. Joseph County, MI; St. Joseph, MI weighted bank stress 68/100, highest 90/100 in St. Joseph, MI.
St. Joseph County, MI unemployment 5.0% (St. Joseph, MI +0.5 pts, six months); 221 new housing units permitted in St. Joseph County, MI over twelve months, St. Joseph, MI up 32% from 167; St. Joseph, MI home prices +9.8% a year (St. Joseph, MI) over three years.
27,302 housing units in St. Joseph County, MI; 5,867 St. Joseph, MI renter households; 33% of St. Joseph, MI renters spend 30%+ of income on rent, 16% (St. Joseph, MI) half or more.
St. Joseph County, MI ranks #2,875 nationally on the opportunity index (St. Joseph, MI, among all ranked counties); St. Joseph, MI scores 24.0/100 and St. Joseph, MI sits #81 inside Michigan. St. Joseph, MI is in the weak opportunity phase; St. Joseph, MI's primary driver is vacancy, St. Joseph, MI second driver bank institutional; St. Joseph, MI moved down 457 places. 5 short-sale listings across St. Joseph, MI; 25 days on market observed in St. Joseph, MI; 13.1% vacancy over 13 St. Joseph, MI ZIPs.
No CFPB county sample covers St. Joseph County, MI. The non-metro area reading for St. Joseph, MI: 1.0% ninety-plus days late; St. Joseph, MI's thirty-to-eighty-nine share is 2.6% (St. Joseph, MI, December 2025 data); Michigan overall 0.9%.
St. Joseph County, MI has 3 watched banks; 3 St. Joseph, MI banks sit in an elevated band. St. Joseph, MI footprints: Sturgis Bank&Trust Co (6 branches, stress 77) in St. Joseph, MI; Southern Michigan Bank&Trust (6 branches, stress 76) in St. Joseph, MI; Century Bank&Trust (4 branches, stress 40) in St. Joseph, MI.
HUD lists 1 assisted multifamily property in St. Joseph County, MI with 18 units; 18 St. Joseph, MI units are assisted.
3,682 of the 27,302 housing units in St. Joseph, MI sit vacant. St. Joseph County, MI permitted 97 multifamily units in twelve months; St. Joseph, MI's one-to-four unit structures added 124 units in St. Joseph County, MI.