ZIP 49091 Foreclosure, Tax-Lien & Distress Report

St. Joseph County, Michigan's ZIP 49091 registers 12/100 composite distress, which DLRadar reads as minimal. The split runs 25/100 structural to 1/100 active on the ground. Property-level stress concentrates in construction/permit lag (26/100), structural risk (25/100), mortgage stress (4/100). mortgage stress (4/100) and institutional ownership (3/100) stay muted.

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 22% higher over three years, at 26/100 phase confidence. Topping markets hide individual distress behind strong averages.

Vacancy runs 13.9%, above the national norm and a classic distress-and-opportunity signal. There are about 8,746 housing units across 49091. At $65,000, median income runs below typical U.S. levels. Around 20% of adults hold a bachelor's degree or higher. Rent burden reaches 29% of tenant households. DLRadar's demographic-stress index for the area reads 28/100. Owners hold 71% of homes, renters 29%. Population is roughly 19,448 with a median age of 37. Roughly 12.5% live below the poverty line. The typical home is worth about $182,600 (2.7× income, relatively affordable).

On the whole, 49091 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 49091 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 49091 read uses the identical public-record model applied coast to coast, which means its 12/100 score means exactly what it means anywhere else, and 49091 stays directly comparable to neighboring ZIPs and the rest of St. Joseph County, Michigan. Every figure is auditable to a public dataset and refreshed on ingest; 49091 shows blanks, not estimates, wherever the record is sparse.

Each component behind 49091 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 12/100 roll-up. In workflow terms, 49091 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.