ZIP 48838 Foreclosure, Tax-Lien & Distress Report

ZIP code 48838 in Montcalm County, Michigan carries a composite property-distress score of 17/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (42/100), structural risk (37/100), institutional ownership (13/100). institutional ownership (13/100) and mortgage stress (6/100) stay muted. On the structural side it scores 37/100, with 2/100 of stress already active. Climate and flood risk are elevated too — climate & FEMA risk (65/100).

Prices here sit in a expansion phase: values rose 5.5% over the trailing year, and 23% higher over three years (phase confidence 33/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Households earn a median $66,126 — below the roughly $78,000 national figure. Roughly 12.4% live below the poverty line. The tenure split is 73% owner-occupied to 27% rented. Around 35% of renters are cost-burdened. About 19% have a four-year degree. A median home runs $211,500 here, or 2.9 times local income. The ZIP holds roughly 7,920 housing units. On demographic stress specifically, 48838 scores 29/100. 17,925 residents call 48838 home, typically aged 38. The vacancy rate is 7.8%.

Overall, 48838 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.