ZIP 48650 Property Distress & Foreclosure Data

DLRadar grades ZIP 48650 (Bay County, Michigan) at a low 18/100 for overall property distress. Property-level stress concentrates in construction/permit lag (67/100), structural risk (40/100), mortgage stress (3/100). By contrast, mortgage stress (3/100) and institutional ownership (3/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (75/100). On the structural side it scores 40/100, with 1/100 of stress already active.

The market reads expansion — home values rose 5.6% year on year, and 2% higher over three years (phase confidence 53/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $63,662, median income runs below typical U.S. levels. Around 45% of renters are cost-burdened. The vacancy rate is 10.5%. Around 17% of adults hold a bachelor's degree or higher. The ZIP holds roughly 3,022 housing units. About 6,662 people live here, median age 46. 88% of housing is owner-occupied. The demographic-stress sub-score lands at 27/100. The poverty rate is 12.4%. The typical home is worth about $151,800 (2.1× income, relatively affordable).

Net-net, 48650 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.