ZIP 48635 Property Distress & Foreclosure Data

ZIP code 48635 in Ogemaw County, Michigan carries a composite property-distress score of 10/100 — a minimal reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (50/100), structural risk (23/100), mortgage stress (9/100). By contrast, mortgage stress (9/100) and institutional ownership (3/100) register low. Structural exposure scores 23 and live distress 3 on the 0–100 scale.

The market reads expansion — home values rose 6.4% year on year, and 62% higher over three years, at 37/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

There are about 1,742 housing units across 48635. Vacancy runs 56.9%, above the national norm and a classic distress-and-opportunity signal. The typical home is worth about $150,300 (2.3× income, relatively affordable). At $59,861, median income runs below typical U.S. levels. 95% of housing is owner-occupied. The demographic-stress sub-score lands at 40/100. Around 15% of adults hold a bachelor's degree or higher. Rent burden reaches 100% of tenant households. About 1,535 people live here, median age 59. The poverty rate is 16.0%.

Net-net, 48635 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.