ZIP 48509 Property Distress & Foreclosure Data

ZIP code 48509 in Genesee County, Michigan carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 54/100 against active distress of 3/100. What sets it apart are the readings on structural risk (54/100), construction/permit lag (37/100), institutional ownership (20/100). By contrast, institutional ownership (20/100) and mortgage stress (9/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (92/100), flood (NFIP) exposure (88/100).

The market reads expansion — home values rose 6.8% year on year, and 22% higher over three years, at 42/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 9,532 people live here, median age 43. 86% of housing is owner-occupied. The typical home is worth about $135,800 (2.0× income, relatively affordable). Around 16% of adults hold a bachelor's degree or higher. There are about 3,964 housing units across 48509. Vacancy runs 4.9%. Rent burden reaches 40% of tenant households. The poverty rate is 15.8%. At $64,385, median income runs below typical U.S. levels. The demographic-stress sub-score lands at 26/100.

Net-net, 48509 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.