ZIP 49931 Property Distress & Foreclosure Data

ZIP code 49931 in Houghton County, Michigan carries a composite property-distress score of 14/100 — a minimal reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (89/100), structural risk (32/100), mortgage stress (6/100). By contrast, mortgage stress (6/100) and institutional ownership (3/100) register low. Structural risk reads 32/100 against active distress of 2/100.

The market reads expansion — home values rose 5.6% year on year, and 32% higher over three years, at 34/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

45% of housing is owner-occupied. The typical home is worth about $232,800 (4.7× income). The demographic-stress sub-score lands at 38/100. Around 60% of adults hold a bachelor's degree or higher. About 10,229 people live here, median age 22. At $47,279, median income runs below typical U.S. levels. Vacancy runs 12.2%, above the national norm and a classic distress-and-opportunity signal. 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. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.