ZIP 49922 Foreclosure, Tax-Lien & Distress Report

ZIP code 49922 in Houghton County, Michigan carries a composite property-distress score of 7/100 — a minimal reading on DLRadar's deterministic distress index. The pressure is most legible in construction/permit lag (19/100), structural risk (14/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (3/100) stay muted. Structural exposure scores 14 and live distress 2 on the 0–100 scale.

The peak-phase market in 49922 posted values that rose 4.2% over the year (phase confidence 26/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Population is roughly 837 with a median age of 31. Owners hold 84% of homes, renters 16%. The ZIP holds roughly 397 housing units. Median household income is $55,300, below the U.S. median near $78,000. Vacancy runs 21.4%, above the national norm and a classic distress-and-opportunity signal. Roughly 17.3% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Home values center near $121,000, an affordability ratio of 2.2× — accessible. Around 24% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 26/100. About 23% have a four-year degree.

On the whole, 49922 leans distressed, with opportunity clustered in specific stressed parcels. Parcel-level detail for 49922 is not published yet -- the ZIP-level readings above remain fully sourced.

Whether 49922 runs hot or quiet, its 7/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 49922 can be compared directly against any other ZIP in Houghton County, Michigan or nationwide. The score is rebuilt from public data as it updates, so 49922 reflects the current record instead of a stale or modeled snapshot.

49922's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 49922 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.