ZIP 49428 Property Distress & Foreclosure Data

In Ottawa County, Michigan, ZIP 49428 scores 17 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are construction/permit lag (41/100), structural risk (36/100), institutional ownership (3/100). On the quiet end sit institutional ownership (3/100) and mortgage stress (2/100). On the structural side it scores 36/100, with 1/100 of stress already active. Environmental exposure also runs high (climate & FEMA risk (85/100)).

The expansion-phase market in 49428 posted values that rose 5.5% over the year, and 20% higher over three years (phase confidence 33/100). Rising prices can mask pockets of distress, where per-parcel scoring earns its keep.

The ZIP holds roughly 10,436 housing units. Around 47% of renters are cost-burdened. Median household income is $92,290, above the U.S. median near $78,000. Educational attainment sits at 39% bachelor's-or-above. Population is roughly 28,090 with a median age of 37. The vacancy rate is 1.8%. DLRadar's demographic-stress index for the area reads 26/100. Home values center near $307,500, an affordability ratio of 3.0× — accessible. 4.7% of residents fall below the poverty threshold. Owners hold 85% of homes, renters 15%.

Broadly, 49428 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.