ZIP 49640 Property Distress & Foreclosure Data
DLRadar grades ZIP 49640 (Benzie County, Michigan) at a minimal 8/100 for overall property distress. On the structural side it scores 18/100, with 3/100 of stress already active. Property-level stress concentrates in construction/permit lag (40/100), structural risk (18/100), mortgage stress (9/100). By contrast, mortgage stress (9/100) and institutional ownership (3/100) register low.
The market reads expansion — home values rose 7.0% year on year, and 75% higher over three years (phase confidence 35/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.
The poverty rate is 8.1%. Around 36% of renters are cost-burdened. 92% of housing is owner-occupied. Around 42% of adults hold a bachelor's degree or higher. At $83,750, median income runs near typical U.S. levels. The vacancy rate is 51.8% — elevated. The demographic-stress sub-score lands at 29/100. The typical home is worth about $308,500 (3.4× income, relatively affordable). About 1,266 people live here, median age 61. The ZIP holds roughly 1,272 housing units.
Net-net, 49640 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.
Distress signal breakdown — ZIP 49640
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties (owner, address, APN, per-property score and exit read) are in the full DLRadar report.
Nearby ZIPs in Benzie County
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Deterministic. Every signal traces to a public dataset · methodology