ZIP 48732 Property Distress & Foreclosure Data

Composite property distress in 48732 (Bay County, Michigan) lands at 19/100 — low on DLRadar's public-record scoring. Structural risk reads 41/100 against active distress of 1/100. Environmental exposure also runs high (climate & FEMA risk (78/100)). The sharpest non-environmental signals are construction/permit lag (69/100), structural risk (41/100), mortgage stress (3/100). On the quiet end sit mortgage stress (3/100) and institutional ownership (3/100).

The expansion-phase market in 48732 posted values that rose 5.6% over the year, and 20% higher over three years, at 54/100 phase confidence. Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Home values center near $169,600, an affordability ratio of 3.0× — accessible. There are about 5,326 housing units across 48732. Population is roughly 11,308 with a median age of 45. Vacancy runs 5.5%. DLRadar's demographic-stress index for the area reads 27/100. Rent burden reaches 25% of tenant households. Educational attainment sits at 21% bachelor's-or-above. 14.0% of residents fall below the poverty threshold. Owners hold 68% of homes, renters 32%. Median household income is $53,466, below the U.S. median near $78,000.

On balance 48732 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.