ZIP 49931 Foreclosure, Tax-Lien & Distress Report
Houghton County, Michigan · High Vacancy market
In Houghton County, Michigan, ZIP 49931 scores 7 of 100 for composite distress, a minimal level on DLRadar's public-record index. Leading the profile are construction/permit lag (25/100), structural risk (16/100), mortgage stress (6/100). By contrast, mortgage stress (6/100) and institutional ownership (3/100) register low. The split runs 16/100 structural to 2/100 active on the ground.
The market reads peak — home values rose 4.2% year on year, and 32% higher over three years, at 26/100 phase confidence. Topping markets hide individual distress behind strong averages.
The tenure split is 45% owner-occupied to 55% rented. Home values center near $232,800, an affordability ratio of 4.7×. DLRadar's demographic-stress index for the area reads 38/100. About 60% have a four-year degree. 10,229 residents call 49931 home, typically aged 22. Median household income is $47,279, below the U.S. median near $78,000. The vacancy rate is 12.2% — elevated. The poverty rate is 28.1% — high, a tax-stress and distress correlate. There are about 3,507 housing units across 49931. Rent burden reaches 51% of tenant households.
Net-net, 49931 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 49931 at the moment; the composite and its components are still built from verifiable public records.
The 49931 read uses the identical public-record model applied coast to coast, which means its 7/100 score means exactly what it means anywhere else, and 49931 stays directly comparable to neighboring ZIPs and the rest of Houghton County, Michigan. Sparse data for 49931 shows as blanks, never estimates, and the score updates on every fresh public filing.
The 7/100 figure for 49931 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. For a buyer, 49931 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.
Distress signal breakdown — ZIP 49931
Tax delinquency, institutional ownership, insurance pressure, NFIP/flood, construction lag, price dislocation and auction velocity — plus the 0 individual distressed properties — each with owner, address, APN, its own distress score and an exit read — are in the full report.
ZIP 49931 Stress Report snapshot
Current distress, phase, housing and lender-pressure figures for 49931, drawn from the same report attached to each property.
Other Houghton County ZIP codes
Related reports across Houghton County, Michigan
More ZIP, county and state distress intelligence connected to Houghton County, Michigan.
See every distressed parcel in 49931
Get every distressed property in 49931 with owner, address, APN, per-property distress score, bank exposure, exit-velocity read and a one-click funding + closing path. Nationwide, refreshed continuously.
Rules-based scoring — each signal ties to a public dataset · methodology