ZIP 49091 Property Distress & Foreclosure Data
DLRadar grades ZIP 49091 (St. Joseph County, Michigan) at a minimal 9/100 for overall property distress. The latent-versus-live split is 18/100 structural and 1/100 already moving. Property-level stress concentrates in structural risk (18/100), mortgage stress (4/100), institutional ownership (3/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low.
The market reads expansion — home values rose 5.6% year on year, and 22% higher over three years (phase confidence 34/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.
The vacancy rate is 13.9% — elevated. The ZIP holds roughly 8,746 housing units. At $65,000, median income runs below typical U.S. levels. Around 20% of adults hold a bachelor's degree or higher. Around 29% of renters are cost-burdened. The demographic-stress sub-score lands at 28/100. 71% of housing is owner-occupied. About 19,448 people live here, median age 37. The poverty rate is 12.5%. The typical home is worth about $182,600 (2.7× income, relatively affordable).
Net-net, 49091 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.
Distress signal breakdown — ZIP 49091
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
Nearby ZIPs in St. Joseph County
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Deterministic. Every signal traces to a public dataset · methodology