ZIP 49040 Property Distress & Foreclosure Data

In St. Joseph County, Michigan, ZIP 49040 scores 9 of 100 for composite distress, a minimal level on DLRadar's public-record index. The latent-versus-live split is 18/100 structural and 1/100 already moving. Its standout signals are structural risk (18/100), mortgage stress (4/100), construction/permit lag (4/100). By contrast, construction/permit lag (4/100) and institutional ownership (3/100) register low.

The market reads expansion — home values rose 5.6% year on year, and 50% higher over three years (phase confidence 34/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $169,900 (2.1× income, relatively affordable). The poverty rate is 12.4%. At $58,693, median income runs below typical U.S. levels. The vacancy rate is 28.5% — elevated. The demographic-stress sub-score lands at 29/100. Around 14% of adults hold a bachelor's degree or higher. The ZIP holds roughly 1,889 housing units. 82% of housing is owner-occupied. Around 40% of renters are cost-burdened. About 3,341 people live here, median age 43.

Net-net, 49040 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.