ZIP 48638 Property Distress & Foreclosure Data

Composite property distress in 48638 (Saginaw County, Michigan) lands at 23/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: climate & FEMA risk (88/100), flood (NFIP) exposure (79/100). The latent-versus-live split is 51/100 structural and 2/100 already moving. The sharpest non-environmental signals are structural risk (51/100), construction/permit lag (38/100), institutional ownership (18/100). By contrast, institutional ownership (18/100) and mortgage stress (8/100) register low.

The market reads peak — home values rose 3.8% year on year, and 23% higher over three years (phase confidence 38/100). Topping markets hide individual distress behind strong averages.

The demographic-stress sub-score lands at 24/100. The ZIP holds roughly 6,435 housing units. Around 24% of renters are cost-burdened. About 12,668 people live here, median age 43. At $63,444, median income runs below typical U.S. levels. The vacancy rate is 8.0%. Around 36% of adults hold a bachelor's degree or higher. 64% of housing is owner-occupied. The poverty rate is 11.2%. The typical home is worth about $172,600 (2.5× income, relatively affordable).

Net-net, 48638 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.