ZIP 48634 Property Distress & Foreclosure Data

Bay County, Michigan's ZIP 48634 registers 19/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in construction/permit lag (69/100), structural risk (41/100), mortgage stress (3/100). mortgage stress (3/100) and institutional ownership (3/100) stay muted. The latent-versus-live split is 41/100 structural and 1/100 already moving. Climate and flood risk are elevated too — climate & FEMA risk (78/100).

Prices here sit in a expansion phase: values rose 5.6% over the trailing year, and 43% higher over three years (phase confidence 54/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

On demographic stress specifically, 48634 scores 22/100. Roughly 6.6% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 95% owner-occupied to 5% rented. Around 37% of renters are cost-burdened. The vacancy rate is 5.8%. About 19% have a four-year degree. Households earn a median $78,929 — near the roughly $78,000 national figure. 4,395 residents call 48634 home, typically aged 48. A median home runs $167,400 here, or 2.0 times local income. The ZIP holds roughly 2,082 housing units.

On balance, 48634 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.