Cherokee County, IA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Cherokee County, Iowa? DLRadar grades every Cherokee County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Cherokee County breakdown.
- Cherokee County's most distressed ZIP is 51048 at 28/100.
- 15 ZIP codes tracked in Cherokee County, averaging 19/100 distress.
- Cherokee County reads peak — home values up 2.5% year over year.
- Vacancy runs 12.3% across Cherokee County's tracked ZIPs, with a 10.3% poverty rate.
- The typical Cherokee County home is worth about $141,950 against a ~$66,750 median income.
- Lending headwind in Cherokee County sits at 54/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 51048 | 28/100 |
| 2 | 51046 | 26/100 |
| 3 | 51058 | 26/100 |
| 4 | 51002 | 23/100 |
| 5 | 51047 | 22/100 |
| 6 | 51012 | 19/100 |
| 7 | 51014 | 19/100 |
| 8 | 51035 | 19/100 |
| 9 | 51037 | 19/100 |
| 10 | 51049 | 19/100 |
| 11 | 51005 | 18/100 |
| 12 | 51029 | 18/100 |
Most distressed ZIP codes in Cherokee County (composite distress 0-100, 2026)
What is driving Cherokee County distress
Cherokee County's placement in the national index rests on public filings — a 19/100 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.
Cherokee County market phase and pricing
DLRadar places Cherokee County in peak; prices moved up 2.5% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Cherokee County
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Questions about this county
Which part of Cherokee County, IA scores highest for distress?
ZIP 51048 leads Cherokee County at 28/100, recomputed monthly from public records.
Is Cherokee County expanding or contracting?
Cherokee County is classified peak with a 2.5% year-over-year increase, following the FHFA House Price Index.
Can the Cherokee County figures be verified?
Cherokee County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 15 ZIPs are comparable to anywhere else.
How much do distress scores vary between Cherokee County ZIP codes?
Averaging the county conceals how uneven it is. Across the Cherokee County ZIPs DLRadar ranks, scores run from 28/100 in 51048 down to 18/100 in 51029, against a Cherokee County average of 19/100. The 10-point range is the argument for ZIP-level search across Cherokee County.
What do Cherokee County home values and vacancy say about distressed supply?
The typical Cherokee County home carries about $141,950 of value against a median household income near $66,750. Vacancy across Cherokee County's tracked ZIPs runs 12.3% and the poverty rate is 10.3%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Cherokee County's foreclosure and lien data and its 54/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.