ZIP 49097 Property Distress & Foreclosure Data

Composite property distress in 49097 (Kalamazoo County, Michigan) lands at 22/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are structural risk (49/100), construction/permit lag (32/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (8/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (85/100), climate & FEMA risk (82/100). On the structural side it scores 49/100, with 2/100 of stress already active.

The market reads expansion — home values rose 5.3% year on year, 1.0% off the recent peak, and 20% higher over three years (phase confidence 33/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $82,051, median income runs near typical U.S. levels. The demographic-stress sub-score lands at 26/100. The poverty rate is 6.8% — low. 84% of housing is owner-occupied. Around 26% of adults hold a bachelor's degree or higher. The typical home is worth about $239,500 (2.7× income, relatively affordable). The ZIP holds roughly 4,948 housing units. The vacancy rate is 4.7%. Around 43% of renters are cost-burdened. About 11,452 people live here, median age 39.

Overall 49097 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.