Carlton County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Carlton County, MN distress report, 2026: 15 ZIPs scored in Carlton, MN, Carlton, MN average 16/100; the top Carlton, MN ZIP is 55810 at 26/100; Carlton, MN market phase peak, Carlton, MN prices +3.4% year over year.
- Carlton, MN ranks #2,468 nationally (opportunity index); Carlton, MN #44 in Minnesota; Carlton, MN index 26.0.
- Carlton, MN: no CFPB county sample; Carlton, MN metro area reading 0.6%.
- Carlton, MN ZIP phases: 15 peak.
- Carlton, MN residential listings tracked: 15 across 11 ZIPs; Carlton, MN candidate listings 6.
- Carlton, MN HUD assisted properties: 3 with 156 units.
- Carlton, MN lenders on watch: 5; largest Carlton, MN footprint Northview Bank (2 branches).
- Carlton, MN most distressed ZIP: 55810 at 26/100.
Carlton, MN figures: DLRadar distress index; Carlton, MN inputs: CFPB, FHFA, HUD, FDIC; Carlton, MN rebuilt as sources refresh.
| Rank | Carlton, MN ZIP | Score |
|---|---|---|
| 1 | 55810 | 26/100 |
| 2 | 55720 | 19/100 |
| 3 | 55798 | 16/100 |
| 4 | 55707 | 15/100 |
| 5 | 55718 | 15/100 |
| 6 | 55726 | 15/100 |
| 7 | 55733 | 15/100 |
| 8 | 55749 | 15/100 |
| 9 | 55757 | 15/100 |
| 10 | 55767 | 15/100 |
| 11 | 55780 | 15/100 |
| 12 | 55797 | 15/100 |
Most distressed Carlton, MN ZIPs (0-100, 2026)
Mortgage delinquency around Carlton, MN
No CFPB county sample covers Carlton, MN; the metro area reading for Carlton, MN (Duluth, MN-WI): 0.6% ninety-plus; Carlton, MN area thirty-to-eighty-nine 2.0% (December 2025, Carlton, MN); Minnesota overall 0.6%.
Opportunity index: Carlton, MN
Carlton, MN index 26.0, Carlton, MN phase weak; Carlton, MN primary driver vacancy, Carlton, MN second driver bank institutional. Carlton, MN components: property stress 20.4, foreclosure pressure 20.2, listing discounts 18.1, bank stress 57.2, insurance 0.0; Carlton, MN pulse 30.0; Carlton, MN capital opportunity 19.9; Carlton, MN seven-day change +0.3%.
ZIP market phases inside Carlton, MN
15 Carlton, MN ZIPs carry a price-cycle phase; Carlton, MN ZIPs by phase (Carlton, MN), deepest drawdown first: peak, +3.4% YoY (Carlton, MN): 55707, 55718, 55720, 55726, Carlton, MN 55733, 55749, 55756, 55757, Carlton, MN 55767, 55780, 55783, 55787, Carlton, MN 55797, 55798, 55810.
Residential listings by Carlton, MN ZIP
Carlton, MN ZIPs with the most tracked Carlton, MN residential listings: 55767 3 listings, 0 candidates, bank pressure 59; 55707 2 listings, 1 candidates, bank pressure 59; 55720 2 listings, 1 candidates, bank pressure 67; 55757 2 listings, 1 candidates, bank pressure 59 (Carlton, MN); 55798 2 listings, 1 candidates, bank pressure 67; 55718 1 listings, 0 candidates, bank pressure 59; 55726 1 listings, 0 candidates, bank pressure 59; 55733 1 listings, 1 candidates, bank pressure 67. Carlton, MN totals: 15 listings; Carlton, MN candidates 6; active ZIPs 6.
HUD assisted housing in Carlton, MN
3 assisted properties with 156 units sit in Carlton, MN; largest Carlton, MN properties: Larson Commons Aka Larson Tower (Cloquet) 85 units, 85 assisted; Sahlman East (Cloquet) 36 units, 36 assisted; White Pine Apartments (Cloquet) 35 units in Carlton, MN.
Lenders with branches in Carlton, MN
Carlton, MN lenders by branch count: Northview Bank (Carlton, MN): stress 56, 2 branches low in Carlton, MN; First Nb Of Moose Lake (Carlton, MN): stress 34, 2 branches low in Carlton, MN; Woodlands National Bank (Carlton, MN): stress 80, 1 branch low in Carlton, MN; Cornerstone State Bank (Carlton, MN): stress 68, 1 branch low in Carlton, MN; Frandsen Bank&Trust (Carlton, MN): stress 48, 1 branch low in Carlton, MN.
Vacancy and permits, Carlton, MN
1,806 of 15,896 Carlton, MN housing units are vacant; Carlton, MN permits, twelve months: 47 multifamily units in Carlton, MN, 109 one-to-four unit units.
Work Carlton, MN at the parcel level
Every Carlton, MN parcel carries owner and address; every Carlton, MN parcel carries APN; Carlton, MN distress scores sit on the Carlton, MN live board.
Carlton, MN figures refresh with each source.
Carlton, MN questions
Most distressed ZIP code in Carlton County, MN?
ZIP 55810 leads Carlton, MN at 26/100; next in Carlton, MN: 55720 at 19/100; the Carlton, MN average is 16/100.
Where does Carlton County, MN rank for investment opportunity?
Carlton, MN is #2,468 among all ranked counties, #44 in Minnesota; the Carlton, MN driver is vacancy; Carlton, MN moved down 156 places.
How many mortgages are delinquent in Carlton County, MN?
Carlton, MN takes the metro area reading of 0.6% for December 2025; no CFPB county sample covers Carlton, MN.
Which banks lend in Carlton County, MN?
5 watched lenders hold Carlton, MN branches; the largest Carlton, MN footprints are Northview Bank (2), First Nb Of Moose Lake (2), Woodlands National Bank (1).
More on Carlton, MN
Carlton County, MN distress report: public-record figures for Carlton, MN; not legal advice for Carlton, MN; not tax or investment advice; verify every Carlton, MN record before acting.