ZIP 49646 Property Distress & Foreclosure Data

Composite property distress in 49646 (Kalkaska County, Michigan) lands at 9/100 — minimal on DLRadar's public-record scoring. The latent-versus-live split is 20/100 structural and 3/100 already moving. The sharpest non-environmental signals are construction/permit lag (50/100), structural risk (20/100), mortgage stress (8/100). By contrast, mortgage stress (8/100) and institutional ownership (5/100) register low.

The market reads expansion — home values rose 7.0% year on year, and 33% higher over three years (phase confidence 35/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

84% of housing is owner-occupied. The poverty rate is 13.1%. The ZIP holds roughly 5,724 housing units. Around 35% of renters are cost-burdened. The demographic-stress sub-score lands at 31/100. Around 15% of adults hold a bachelor's degree or higher. At $55,188, median income runs below typical U.S. levels. About 8,573 people live here, median age 44. The typical home is worth about $182,200 (3.0× income, relatively affordable). The vacancy rate is 31.9% — elevated.

Net-net, 49646 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.