ZIP 49037 Property Distress & Foreclosure Data

DLRadar grades ZIP 49037 (Calhoun County, Michigan) at a low 22/100 for overall property distress. Property-level stress concentrates in construction/permit lag (58/100), structural risk (52/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (8/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (75/100), flood (NFIP) exposure (75/100). The latent-versus-live split is 52/100 structural and 2/100 already moving.

The market reads expansion — home values rose 6.2% year on year, and 20% higher over three years (phase confidence 37/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Around 12% of adults hold a bachelor's degree or higher. The typical home is worth about $99,600 (2.1× income, relatively affordable). The poverty rate is 22.9% — high, a tax-stress and distress correlate. The ZIP holds roughly 10,010 housing units. At $42,598, median income runs below typical U.S. levels. About 19,924 people live here, median age 37. Around 34% of renters are cost-burdened. The demographic-stress sub-score lands at 31/100. The vacancy rate is 13.0% — elevated. 60% of housing is owner-occupied.

Net-net, 49037 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.