ZIP 48609 Property Distress & Foreclosure Data

In Saginaw County, Michigan, ZIP 48609 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. Environmental exposure also runs high (climate & FEMA risk (88/100), flood (NFIP) exposure (79/100)). The latent-versus-live split is 51/100 structural and 2/100 already moving. Its standout signals are structural risk (51/100), construction/permit lag (38/100), institutional ownership (18/100). On the quiet end sit institutional ownership (18/100) and mortgage stress (8/100).

The peak-phase market in 48609 posted values that rose 3.8% over the year, and 17% higher over three years (phase confidence 38/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 5,527 housing units. 12.3% of residents fall below the poverty threshold. Home values center near $170,800, an affordability ratio of 2.1× — accessible. Around 45% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 25/100. Educational attainment sits at 26% bachelor's-or-above. Median household income is $78,800, near the U.S. median near $78,000. Population is roughly 12,206 with a median age of 49. Owners hold 87% of homes, renters 13%. The vacancy rate is 3.8%.

Broadly, 48609 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.