ZIP 49103 Property Distress & Foreclosure Data

In Berrien County, Michigan, ZIP 49103 scores 17 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are construction/permit lag (45/100), structural risk (36/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (82/100). The latent-versus-live split is 36/100 structural and 1/100 already moving.

The market reads peak — home values rose 4.6% year on year, and 13% higher over three years (phase confidence 56/100). Topping markets hide individual distress behind strong averages.

At $61,888, median income runs below typical U.S. levels. Around 39% of renters are cost-burdened. Around 52% of adults hold a bachelor's degree or higher. About 11,257 people live here, median age 37. The poverty rate is 17.9% — high, a tax-stress and distress correlate. The demographic-stress sub-score lands at 31/100. The typical home is worth about $229,400 (3.6× income, relatively affordable). 63% of housing is owner-occupied. The vacancy rate is 12.0% — elevated. The ZIP holds roughly 4,926 housing units.

Net-net, 49103 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.