ZIP 49103 Foreclosure, Tax-Lien & Distress Report

ZIP 49103's composite property-distress score is 21/100 - DLRadar classes that as low for Berrien County, Michigan. Its heaviest discrete signals: construction/permit lag (75/100), structural risk (47/100), institutional ownership (5/100). By contrast, institutional ownership (5/100) and mortgage stress (4/100) register low. Environmental exposure also runs high (climate & FEMA risk (82/100)). Latent structural risk is 47/100 while live distress already moving reads 1/100.

The market reads expansion — home values rose 7.0% year on year, and 13% higher over three years (phase confidence 47/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

Median household income is $61,888, below the U.S. median near $78,000. Around 39% of renters are cost-burdened. Around 52% of adults hold a bachelor's degree or higher. 11,257 residents call 49103 home, typically aged 37. The poverty rate is 17.9% — high, a tax-stress and distress correlate. The demographic-stress sub-score lands at 31/100. Home values center near $229,400, an affordability ratio of 3.6× — accessible. The tenure split is 63% owner-occupied to 37% rented. The vacancy rate is 12.0% — elevated. The ZIP holds roughly 4,926 housing units.

Taken together, 49103 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 49103 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

The 49103 read uses the identical public-record model applied coast to coast, which means its 21/100 score means exactly what it means anywhere else, and 49103 stays directly comparable to neighboring ZIPs and the rest of Berrien County, Michigan. The score is rebuilt from public data as it updates, so 49103 reflects the current record instead of a stale or modeled snapshot.

The 21/100 figure for 49103 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 49103 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.