ZIP 49040 Foreclosure, Tax-Lien & Distress Report
St. Joseph County, Michigan · High Vacancy market
Scored on a fixed 0-100 scale, 49040 (St. Joseph County, Michigan) returns a minimal composite of 12/100. Structural risk reads 26/100 against active distress of 1/100. Property-level stress concentrates in structural risk (26/100), construction/permit lag (21/100), institutional ownership (6/100). institutional ownership (6/100) and mortgage stress (4/100) stay muted.
The peak-phase market in 49040 posted values that rose 4.2% over the year, and 50% higher over three years, at 26/100 phase confidence. Topping markets hide individual distress behind strong averages.
The typical home is worth about $169,900 (2.1× income, relatively affordable). Roughly 12.4% live below the poverty line. At $58,693, median income runs below typical U.S. levels. Vacancy runs 28.5%, above the national norm and a classic distress-and-opportunity signal. DLRadar's demographic-stress index for the area reads 29/100. Educational attainment sits at 14% bachelor's-or-above. There are about 1,889 housing units across 49040. Owners hold 82% of homes, renters 18%. Rent burden reaches 40% of tenant households. 3,341 residents call 49040 home, typically aged 43.
Taken together, 49040 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.
No ZIP is too small to score: 49040 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 12/100 composite is a like-for-like number rather than an isolated estimate. 49040 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.
49040's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. The point of the 49040 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.
ZIP 49040 distress signals, scored
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 49040 Stress Report snapshot
The live 49040 panel — distress score, market phase, housing and bank pressure — as attached to every individual property.
Other St. Joseph County ZIP codes
Nearest ZIP codes to 49040
By straight-line distance between ZIP centers — the surrounding market, whichever county or state line it crosses.
Keep exploring Michigan distress
Related ZIP, county and statewide reads linked to St. Joseph County, Michigan.
Unlock the full ZIP 49040 acquisition report
See who owns each distressed property in 49040, where it is, its APN and score, the bank behind it and how fast it should exit — then open its owner and lender records in one click. Continuously refreshed, nationwide.
Each signal above is traceable to an open dataset · methodology