ZIP 49099 Property Distress & Foreclosure Data

ZIP code 49099 in St. Joseph County, Michigan carries a composite property-distress score of 11/100 — a minimal reading on DLRadar's deterministic public-record index. The latent-versus-live split is 23/100 structural and 1/100 already moving. What sets it apart are the readings on structural risk (23/100), construction/permit lag (8/100), institutional ownership (6/100). institutional ownership (6/100) and mortgage stress (5/100) stay muted.

Prices here sit in a expansion phase: values rose 5.2% over the trailing year, and 9% higher over three years (phase confidence 35/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The ZIP holds roughly 2,820 housing units. Around 52% of renters are cost-burdened. The vacancy rate is 14.1% — elevated. About 12% have a four-year degree. A median home runs $176,800 here, or 2.8 times local income. On demographic stress specifically, 49099 scores 32/100. Roughly 13.7% live below the poverty line. 5,699 residents call 49099 home, typically aged 45. Households earn a median $62,147 — below the roughly $78,000 national figure. The tenure split is 76% owner-occupied to 24% rented.

Taken together, 49099 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.