ZIP 49631 Property Distress & Foreclosure Data

DLRadar grades ZIP 49631 (Osceola County, Michigan) at a low 15/100 for overall property distress. The latent-versus-live split is 35/100 structural and 2/100 already moving. Property-level stress concentrates in construction/permit lag (82/100), structural risk (35/100), mortgage stress (7/100). By contrast, mortgage stress (7/100) and institutional ownership (7/100) register low.

The market reads expansion — home values rose 6.3% year on year, and 27% higher over three years (phase confidence 37/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $46,250, median income runs below typical U.S. levels. The vacancy rate is 36.2% — elevated. Around 14% of adults hold a bachelor's degree or higher. About 5,646 people live here, median age 51. Around 50% of renters are cost-burdened. The typical home is worth about $132,300 (2.6× income, relatively affordable). The poverty rate is 17.2% — high, a tax-stress and distress correlate. The demographic-stress sub-score lands at 33/100. The ZIP holds roughly 3,643 housing units. 83% of housing is owner-occupied.

Net-net, 49631 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.