ZIP 48631 Property Distress & Foreclosure Data

In Bay County, Michigan, ZIP 48631 scores 19 of 100 for composite distress, a low level on DLRadar's public-record index. Structural exposure scores 41 and live distress 1 on the 0–100 scale. Climate and flood risk are elevated too — climate & FEMA risk (78/100). Its standout signals are construction/permit lag (69/100), structural risk (41/100), mortgage stress (3/100). mortgage stress (3/100) and institutional ownership (3/100) stay muted.

Prices here sit in a expansion phase: values rose 5.6% over the trailing year, and 21% higher over three years, at 54/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

A median home runs $172,200 here, or 2.1 times local income. There are about 1,840 housing units across 48631. 4,058 residents call 48631 home, typically aged 49. About 20% have a four-year degree. The tenure split is 78% owner-occupied to 22% rented. Rent burden reaches 29% of tenant households. Vacancy runs 7.3%. Households earn a median $77,813 — near the roughly $78,000 national figure. Roughly 8.2% live below the poverty line. On demographic stress specifically, 48631 scores 24/100.

Overall, 48631 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.