ZIP 48054 Foreclosure, Tax-Lien & Distress Report

St. Clair County, Michigan's ZIP 48054 registers 23/100 composite distress, which DLRadar reads as low. What sets it apart are the readings on construction/permit lag (54/100), structural risk (52/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (8/100) register low. Environmental exposure also runs high (climate & FEMA risk (83/100), flood (NFIP) exposure (67/100)). Structural exposure scores 52 and live distress 2 on the 0–100 scale.

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 23% higher over three years (phase confidence 26/100). Topping markets hide individual distress behind strong averages.

On demographic stress specifically, 48054 scores 27/100. 7.3% of residents fall below the poverty threshold. The vacancy rate is 7.0%. Around 22% of adults hold a bachelor's degree or higher. The typical home is worth about $301,400 (3.6× income, relatively affordable). The tenure split is 85% owner-occupied to 15% rented. Median household income is $76,992, near the U.S. median near $78,000. About 7,200 people live here, median age 52. Rent burden reaches 28% of tenant households. The ZIP holds roughly 3,101 housing units.

Overall, 48054 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 48054 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 48054 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. The score is rebuilt from public data as it updates, so 48054 reflects the current record instead of a stale or modeled snapshot.

Behind 48054's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. In workflow terms, 48054 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.