ZIP 49004 Property Distress & Foreclosure Data

In Kalamazoo County, Michigan, ZIP 49004 scores 22 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (51/100), construction/permit lag (33/100), institutional ownership (20/100). By contrast, institutional ownership (20/100) and mortgage stress (8/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (89/100), climate & FEMA risk (83/100). The latent-versus-live split is 51/100 structural and 3/100 already moving.

The market reads expansion — home values rose 5.2% year on year, 1.1% off the recent peak, and 16% higher over three years (phase confidence 34/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $192,300 (2.5× income, relatively affordable). The vacancy rate is 4.3%. Around 33% of renters are cost-burdened. The demographic-stress sub-score lands at 25/100. The ZIP holds roughly 7,659 housing units. Around 34% of adults hold a bachelor's degree or higher. The poverty rate is 9.8%. 74% of housing is owner-occupied. At $72,434, median income runs near typical U.S. levels. About 17,796 people live here, median age 36.

Net-net, 49004 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.