Clearwater County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Clearwater County, Minnesota? DLRadar grades every Clearwater County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 14/100. Here is the 2026 Clearwater County breakdown.
- Clearwater County's most distressed ZIP is 56646 at 14/100.
- 11 ZIP codes tracked in Clearwater County, averaging 10/100 distress.
- Clearwater County reads peak — home values up 3.4% year over year.
- Vacancy runs 27.2% across Clearwater County's tracked ZIPs, with a 13.4% poverty rate.
- The typical Clearwater County home is worth about $197,336 against a ~$64,472 median income.
- Lending headwind in Clearwater County sits at 54/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 56646 | 14/100 |
| 2 | 56644 | 12/100 |
| 3 | 56678 | 12/100 |
| 4 | 56621 | 11/100 |
| 5 | 56634 | 11/100 |
| 6 | 56470 | 10/100 |
| 7 | 56557 | 9/100 |
| 8 | 56652 | 9/100 |
| 9 | 56671 | 9/100 |
| 10 | 56676 | 9/100 |
| 11 | 56589 | 7/100 |
Most distressed ZIP codes in Clearwater County (composite distress 0-100, 2026)
What is driving Clearwater County distress
Clearwater County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 10/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Clearwater County market phase and pricing
Phase for Clearwater County: peak (+3.4% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Clearwater County
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Frequently asked questions
Which Clearwater County ZIP scores worst for distress?
ZIP 56646 leads Clearwater County at 14/100, recomputed monthly from public records.
What market phase is Clearwater County in?
FHFA price-index movement places Clearwater County in peak; prices are up 3.4% over twelve months.
How is the Clearwater County data sourced?
Clearwater 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 11 ZIPs are comparable to anywhere else.
How much do distress scores vary between Clearwater County ZIP codes?
A single county score papers over real variation. Across the Clearwater County ZIPs DLRadar ranks, scores run from 14/100 in 56646 down to 7/100 in 56589, against a Clearwater County average of 10/100. Those 7 points separate the ZIPs worth working in Clearwater County from the rest.
What do Clearwater County home values and vacancy say about distressed supply?
The typical Clearwater County home carries about $197,336 of value against a median household income near $64,472. Vacancy across Clearwater County's tracked ZIPs runs 27.2% and the poverty rate is 13.4%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Clearwater County's foreclosure and tax-lien filings and its 54/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.