ZIP 48821 Property Distress & Foreclosure Data

DLRadar grades ZIP 48821 (Eaton County, Michigan) at a low 21/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (71/100). The latent-versus-live split is 44/100 structural and 4/100 already moving. Property-level stress concentrates in structural risk (44/100), construction/permit lag (38/100), institutional ownership (33/100). By contrast, institutional ownership (33/100) and mortgage stress (13/100) register low.

The market reads expansion — home values rose 5.2% year on year, and 15% higher over three years (phase confidence 38/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

95% of housing is owner-occupied. The poverty rate is 3.6% — low. Around 41% of renters are cost-burdened. Around 36% of adults hold a bachelor's degree or higher. The vacancy rate is 5.7%. The typical home is worth about $244,000 (2.3× income, relatively affordable). The ZIP holds roughly 2,610 housing units. The demographic-stress sub-score lands at 22/100. At $103,652, median income runs above typical U.S. levels. About 6,180 people live here, median age 47.

Overall 48821 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.