ZIP 48708 Property Distress & Foreclosure Data

In Bay County, Michigan, ZIP 48708 scores 19 of 100 for composite distress, a low level on DLRadar's public-record index. Environmental exposure also runs high (climate & FEMA risk (79/100)). The latent-versus-live split is 41/100 structural and 1/100 already moving. Its standout signals are construction/permit lag (63/100), structural risk (41/100), institutional ownership (4/100). On the quiet end sit institutional ownership (4/100) and mortgage stress (3/100).

The expansion-phase market in 48708 posted values that rose 5.4% over the year, and 24% higher over three years (phase confidence 52/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Median household income is $50,216, below the U.S. median near $78,000. Around 37% of renters are cost-burdened. 19.8% of residents fall below the poverty threshold. The vacancy rate is 9.6%. Home values center near $107,700, an affordability ratio of 2.0× — accessible. DLRadar's demographic-stress index for the area reads 28/100. Educational attainment sits at 17% bachelor's-or-above. The ZIP holds roughly 12,437 housing units. Population is roughly 25,751 with a median age of 42. Owners hold 69% of homes, renters 31%.

On balance 48708 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.