ZIP 49102 Foreclosure, Tax-Lien & Distress Report

Berrien County, Michigan's ZIP 49102 registers 21/100 composite distress, which DLRadar reads as low. Structural risk reads 47/100 against active distress of 1/100. Property-level stress concentrates in construction/permit lag (75/100), structural risk (47/100), institutional ownership (6/100). On the quiet end sit institutional ownership (6/100) and mortgage stress (5/100). Climate and flood risk are elevated too — climate & FEMA risk (80/100).

The market reads expansion — home values rose 6.9% year on year, and 45% higher over three years (phase confidence 47/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

The typical home is worth about $262,400 (4.1× income). 91% of housing is owner-occupied. About 1,575 people live here, median age 57. The demographic-stress sub-score lands at 32/100. Households earn a median $61,167 — below the roughly $78,000 national figure. The vacancy rate is 6.5%. Rent burden reaches 49% of tenant households. Educational attainment sits at 20% bachelor's-or-above. There are about 740 housing units across 49102. The poverty rate is 9.5%.

Overall, 49102 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

Because one deterministic model scores every ZIP, 49102's 21/100 can be lined up against any neighbor in Berrien County, Michigan or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 49102, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Behind 49102's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 49102 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.