ZIP 48640 Foreclosure, Tax-Lien & Distress Report

In Midland County, Michigan, ZIP 48640 scores 21 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — climate & FEMA risk (73/100). Its standout signals are construction/permit lag (100/100), structural risk (48/100), institutional ownership (3/100). institutional ownership (3/100) and mortgage stress (2/100) stay muted. Structural risk reads 48/100 against active distress of 1/100.

Prices here sit in a expansion phase: values rose 7.3% over the trailing year, and 19% higher over three years, at 42/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

32,630 residents call 48640 home, typically aged 40. Households earn a median $81,630 — near the roughly $78,000 national figure. There are about 14,469 housing units across 48640. On demographic stress specifically, 48640 scores 25/100. A median home runs $200,700 here, or 2.3 times local income. Rent burden reaches 41% of tenant households. Vacancy runs 6.4%. About 38% have a four-year degree. The tenure split is 76% owner-occupied to 24% rented. Roughly 12.6% live below the poverty line.

On balance, 48640 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.