ZIP 48611 Property Distress & Foreclosure Data

Bay County, Michigan's ZIP 48611 registers 19/100 composite distress, which DLRadar reads as low. Structural risk reads 41/100 against active distress of 1/100. The most distinctive pressure shows up in construction/permit lag (69/100), structural risk (41/100), mortgage stress (3/100). By contrast, mortgage stress (3/100) and institutional ownership (3/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (78/100).

The market reads expansion — home values rose 5.6% year on year, and 12% higher over three years, at 54/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

84% of housing is owner-occupied. There are about 2,667 housing units across 48611. Vacancy runs 1.0%. Around 35% of adults hold a bachelor's degree or higher. The typical home is worth about $177,100 (2.1× income, relatively affordable). At $80,511, median income runs near typical U.S. levels. About 6,013 people live here, median age 45. The demographic-stress sub-score lands at 21/100. Rent burden reaches 35% of tenant households. The poverty rate is 6.8% — low.

Overall 48611 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.