Bayfield County, WI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Bayfield County, Wisconsin? DLRadar grades every Bayfield County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 16/100. Here is the 2026 Bayfield County breakdown.
- Bayfield County's most distressed ZIP is 54517 at 16/100.
- 15 ZIP codes tracked in Bayfield County, averaging 16/100 distress.
- Bayfield County reads peak — home values up 4.6% year over year.
- Vacancy runs 45.7% across Bayfield County's tracked ZIPs, with a 9.5% poverty rate.
- The typical Bayfield County home is worth about $249,327 against a ~$66,836 median income.
- Lending headwind in Bayfield County sits at 0/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 54517 | 16/100 |
| 2 | 54814 | 16/100 |
| 3 | 54820 | 16/100 |
| 4 | 54821 | 16/100 |
| 5 | 54827 | 16/100 |
| 6 | 54832 | 16/100 |
| 7 | 54838 | 16/100 |
| 8 | 54839 | 16/100 |
| 9 | 54844 | 16/100 |
| 10 | 54847 | 16/100 |
| 11 | 54856 | 16/100 |
| 12 | 54865 | 16/100 |
Most distressed ZIP codes in Bayfield County (composite distress 0-100, 2026)
What is driving Bayfield County distress
Bayfield County's placement in the national index rests on public filings — a 16/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Bayfield County market phase and pricing
Phase for Bayfield County: peak (+4.6% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Bayfield County
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Questions about this county
Which ZIP code leads Bayfield County on distress?
ZIP 54517 leads Bayfield County at 16/100, recomputed monthly from public records.
What stage of the price cycle is Bayfield County at?
Bayfield County is classified peak with a 4.6% year-over-year increase, following the FHFA House Price Index.
What is this Bayfield County analysis built from?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 15 Bayfield County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Bayfield County ZIP codes?
The county figure is a blend, not a description. Across the Bayfield County ZIPs DLRadar ranks, scores run from 16/100 in 54517 down to 16/100 in 54865, against a Bayfield County average of 16/100. With 0 points between best and worst, county-level targeting in Bayfield County wastes effort.
What do Bayfield County home values and vacancy say about distressed supply?
The typical Bayfield County home carries about $249,327 of value against a median household income near $66,836. Vacancy across Bayfield County's tracked ZIPs runs 45.7% and the poverty rate is 9.5%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Bayfield County's foreclosure and lien filings and its 0/100 lending headwind.
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Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.