ZIP 49002 Foreclosure, Tax-Lien & Distress Report

ZIP 49002's composite property-distress score is 30/100 - DLRadar classes that as moderate for Kalamazoo County, Michigan. Leading the profile are structural risk (67/100), construction/permit lag (57/100), institutional ownership (48/100). mortgage stress (8/100) stay muted. It additionally carries heavy environmental risk: flood (NFIP) exposure (89/100), climate & FEMA risk (83/100). Structural risk reads 67/100 against active distress of 3/100.

The market reads peak — home values rose 0.6% year on year, and 14% higher over three years (phase confidence 35/100). Topping markets hide individual distress behind strong averages.

The tenure split is 70% owner-occupied to 30% rented. The poverty rate is 8.2%. About 19,444 people live here, median age 39. The demographic-stress sub-score lands at 25/100. Households earn a median $71,621 — near the roughly $78,000 national figure. Around 43% of adults hold a bachelor's degree or higher. The ZIP holds roughly 9,048 housing units. The typical home is worth about $246,400 (3.1× income, relatively affordable). Around 30% of renters are cost-burdened. The vacancy rate is 8.1%.

Overall, 49002 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 49002 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 49002 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 30/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 49002, the field stays empty rather than modeled, and fills in as new documents post.

Behind 49002's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 49002 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.