ZIP 48706 Property Distress & Foreclosure Data

Bay County, Michigan's ZIP 48706 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. On the structural side it scores 41/100, with 1/100 of stress already active. 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 25% higher over three years (phase confidence 54/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Households earn a median $61,908 — below the roughly $78,000 national figure. 38,756 residents call 48706 home, typically aged 45. Roughly 13.9% live below the poverty line. On demographic stress specifically, 48706 scores 26/100. Around 38% of renters are cost-burdened. A median home runs $155,800 here, or 2.3 times local income. About 24% have a four-year degree. The vacancy rate is 7.3%. The ZIP holds roughly 18,537 housing units. The tenure split is 77% owner-occupied to 23% rented.

Overall, 48706 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.