ZIP 48604 Property Distress & Foreclosure Data

In Saginaw County, Michigan, ZIP 48604 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — climate & FEMA risk (87/100), flood (NFIP) exposure (72/100). Its standout signals are structural risk (50/100), construction/permit lag (39/100), institutional ownership (17/100). institutional ownership (17/100) and mortgage stress (8/100) stay muted. Structural risk reads 50/100 against active distress of 2/100.

Prices here sit in a peak phase: values rose 4.0% over the trailing year, and 22% higher over three years, at 40/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 4,496 housing units across 48604. Vacancy runs 10.9%. A median home runs $101,200 here, or 1.7 times local income. The tenure split is 74% owner-occupied to 26% rented. On demographic stress specifically, 48604 scores 32/100. Rent burden reaches 63% of tenant households. Households earn a median $53,804 — below the roughly $78,000 national figure. About 24% have a four-year degree. 11,284 residents call 48604 home, typically aged 27. Roughly 28.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

Taken together, 48604 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.