ZIP 49093 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 49093 (St. Joseph County, Michigan) lands at 12/100 — minimal on DLRadar's public-record scoring. The latent-versus-live split is 26/100 structural and 1/100 already moving. Its heaviest discrete signals: construction/permit lag (28/100), structural risk (26/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (4/100) register low.

The market reads peak — home values rose 4.3% year on year, and 29% higher over three years (phase confidence 26/100). Topping markets hide individual distress behind strong averages.

Households earn a median $63,040 — below the roughly $78,000 national figure. The poverty rate is 11.0%. Population is roughly 18,439 with a median age of 41. Around 25% of renters are cost-burdened. Vacancy runs 13.2%, above the national norm and a classic distress-and-opportunity signal. Owners hold 73% of homes, renters 27%. Educational attainment sits at 20% bachelor's-or-above. On demographic stress specifically, 49093 scores 27/100. The ZIP holds roughly 8,587 housing units. The typical home is worth about $183,100 (2.8× income, relatively affordable).

Taken together, 49093 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. There is no property file for 49093 at the moment; the composite and its components are still built from verifiable public records.

Big metro or rural, 49093 runs through one identical public-record model, so its 12/100 sits on the same scale as every other ZIP in St. Joseph County, Michigan and the nation. Where the public record is thin for 49093, the field stays empty rather than modeled, and fills in as new documents post.

49093's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. Practically, 49093 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.