ZIP 49009 Foreclosure, Tax-Lien & Distress Report

ZIP 49009's composite property-distress score is 29/100 - DLRadar classes that as low for Kalamazoo County, Michigan. Structurally it carries 63/100, against 3/100 of stress already in motion. Climate and flood risk are elevated too — climate & FEMA risk (82/100), flood (NFIP) exposure (68/100). Its heaviest discrete signals: structural risk (63/100), construction/permit lag (55/100), institutional ownership (46/100). On the quiet end sit mortgage stress (8/100).

The market reads peak — home values rose 0.8% year on year, and 14% higher over three years (phase confidence 35/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Population is roughly 47,606 with a median age of 37. Home values center near $346,600, an affordability ratio of 4.0×. The tenure split is 64% owner-occupied to 36% rented. Educational attainment sits at 50% bachelor's-or-above. The vacancy rate is 6.9%. At $82,364, median income runs near typical U.S. levels. DLRadar's demographic-stress index for the area reads 31/100. There are about 20,449 housing units across 49009. Around 45% of renters are cost-burdened. Roughly 11.1% live below the poverty line.

Net-net, 49009 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.

The 49009 read uses the identical scoring model applied coast to coast, which means its 29/100 score means exactly what it means anywhere else, and 49009 stays directly comparable to neighboring ZIPs and the rest of Kalamazoo County, Michigan. Every figure is auditable to a public dataset and refreshed as records update; 49009 shows blanks, not estimates, wherever the record is sparse.

Each component behind 49009 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 29/100 roll-up. Treat 49009 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.