ZIP 48092 Foreclosure, Tax-Lien & Distress Report

ZIP code 48092 in Macomb County, Michigan carries a composite property-distress score of 32/100 — a moderate reading on DLRadar's deterministic distress index. The sharpest non-environmental signals are structural risk (72/100), construction/permit lag (64/100), institutional ownership (49/100). mortgage stress (19/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (97/100), flood (NFIP) exposure (81/100). On the structural side it scores 72/100, with 6/100 of stress already active.

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 16% higher over three years, at 26/100 phase confidence. Topping markets hide individual distress behind strong averages.

Vacancy runs 3.1%. The poverty rate is 9.0%. There are about 11,164 housing units across 48092. Around 27% of adults hold a bachelor's degree or higher. Households earn a median $71,761 — near the roughly $78,000 national figure. Population is roughly 27,867 with a median age of 40. The tenure split is 78% owner-occupied to 22% rented. DLRadar's demographic-stress index for the area reads 28/100. Rent burden reaches 46% of tenant households. The typical home is worth about $220,400 (2.9× income, relatively affordable).

Net-net, 48092 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Parcel-level detail for 48092 is not published yet -- the ZIP-level readings above remain fully sourced.

No ZIP is too small to score: 48092 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 32/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed as records update; 48092 shows blanks, not estimates, wherever the record is sparse.

Each component behind 48092 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 32/100 roll-up. The point of the 48092 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.