ZIP 48861 Property Distress & Foreclosure Data

In Eaton County, Michigan, ZIP 48861 scores 21 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (45/100), construction/permit lag (44/100), institutional ownership (33/100). On the quiet end sit institutional ownership (33/100) and mortgage stress (13/100). Environmental exposure also runs high (climate & FEMA risk (69/100)). The latent-versus-live split is 45/100 structural and 4/100 already moving.

The expansion-phase market in 48861 posted values that rose 5.2% over the year, and 16% higher over three years (phase confidence 37/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

Home values center near $184,600, an affordability ratio of 2.0× — accessible. 5.5% of residents fall below the poverty threshold. Median household income is $88,056, above the U.S. median near $78,000. Educational attainment sits at 32% bachelor's-or-above. The ZIP holds roughly 710 housing units. Population is roughly 1,852 with a median age of 47. Around 48% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 22/100. The vacancy rate is 0.0%. Owners hold 94% of homes, renters 6%.

Broadly, 48861 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.