ZIP 48040 Property Distress & Foreclosure Data

ZIP code 48040 in St. Clair County, Michigan carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — climate & FEMA risk (83/100), flood (NFIP) exposure (81/100). What sets it apart are the readings on structural risk (52/100), construction/permit lag (47/100), institutional ownership (18/100). institutional ownership (18/100) and mortgage stress (8/100) stay muted. Structural exposure scores 52 and live distress 2 on the 0–100 scale.

Prices here sit in a expansion phase: values rose 5.6% over the trailing year, and 17% higher over three years, at 34/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

There are about 4,528 housing units across 48040. Rent burden reaches 28% of tenant households. A median home runs $208,600 here, or 2.7 times local income. Vacancy runs 5.4%. About 24% have a four-year degree. Roughly 6.2% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 86% owner-occupied to 14% rented. On demographic stress specifically, 48040 scores 23/100. 9,942 residents call 48040 home, typically aged 44. Households earn a median $69,661 — near the roughly $78,000 national figure.

Overall, 48040 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.