ZIP 49945 Foreclosure, Tax-Lien & Distress Report

Houghton County, Michigan's ZIP 49945 registers 7/100 composite distress, which DLRadar reads as minimal. Structurally it carries 15/100, against 2/100 of stress already in motion. Its heaviest discrete signals: construction/permit lag (35/100), structural risk (15/100), mortgage stress (6/100). mortgage stress (6/100) and institutional ownership (3/100) stay muted.

Prices here sit in a peak phase: values rose 4.2% over the trailing year, and 15% higher over three years, at 26/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

77% of housing is owner-occupied. The vacancy rate is 42.9% — elevated. About 2,704 people live here, median age 48. Rent burden reaches 20% of tenant households. Households earn a median $52,866 — below the roughly $78,000 national figure. Educational attainment sits at 25% bachelor's-or-above. Roughly 14.1% live below the poverty line. The demographic-stress sub-score lands at 28/100. There are about 2,318 housing units across 49945. The typical home is worth about $159,100 (2.7× income, relatively affordable).

Taken together, 49945 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 49945 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Big metro or rural, 49945 runs through one identical public-record model, so its 7/100 sits on the same scale as every other ZIP in Houghton County, Michigan and the nation. Sparse data for 49945 shows as blanks, never estimates, and the score updates on every fresh public filing.

49945'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. The point of the 49945 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.