ZIP 49876 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 49876 (Dickinson County, Michigan) returns a low composite of 18/100. The split runs 40/100 structural to 1/100 active on the ground. Climate and flood risk are elevated too — climate & FEMA risk (61/100). The most distinctive pressure shows up in construction/permit lag (85/100), structural risk (40/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low.

The market reads peak — home values rose 4.2% year on year, at 26/100 phase confidence. Topping markets hide individual distress behind strong averages.

Population is roughly 1,171 with a median age of 55. Vacancy runs 11.6%, above the national norm and a classic distress-and-opportunity signal. Median household income is $59,688, below the U.S. median near $78,000. Around 10% of adults hold a bachelor's degree or higher. Home values center near $154,900, an affordability ratio of 2.0× — accessible. There are about 637 housing units across 49876. The tenure split is 97% owner-occupied to 3% rented. 19.1% of residents fall below the poverty threshold. On demographic stress specifically, 49876 scores 20/100. Around 0% of renters are cost-burdened.

Net-net, 49876 is middle-of-the-pack, where the deals are specific addresses rather than the whole ZIP. No parcel file is published for 49876 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 49876's 18/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Sparse data for 49876 shows as blanks, never estimates, and the score updates on every fresh public filing.

The 18/100 figure for 49876 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. The point of the 49876 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.