Cook County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Cook County, Minnesota? DLRadar grades every Cook County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 11/100. Here is the 2026 Cook County breakdown.
- Cook County's most distressed ZIP is 55604 at 11/100.
- 6 ZIP codes tracked in Cook County, averaging 11/100 distress.
- Cook County reads peak — home values up 3.4% year over year.
- Vacancy runs 57.4% across Cook County's tracked ZIPs, with a 16.1% poverty rate.
- The typical Cook County home is worth about $317,950 against a ~$70,074 median income.
- Lending headwind in Cook County sits at 81/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 55604 | 11/100 |
| 2 | 55605 | 11/100 |
| 3 | 55606 | 11/100 |
| 4 | 55612 | 11/100 |
| 5 | 55613 | 11/100 |
| 6 | 55615 | 11/100 |
Most distressed ZIP codes in Cook County (composite distress 0-100, 2026)
What is driving Cook County distress
Cook County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 11/100 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.
Cook County market phase and pricing
The cycle in Cook County is peak, with values up 3.4% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Cook County
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What people ask
What is the most distressed ZIP code in Cook County, MN?
ZIP 55604 leads Cook County at 11/100, recomputed monthly from public records.
Where is Cook County in the housing cycle?
Cook County reads peak, with home prices up 3.4% year over year. Phase comes from FHFA House Price Index trajectory.
How is the Cook County data sourced?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 6 Cook 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 Cook County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Cook County ZIPs DLRadar ranks, scores run from 11/100 in 55604 down to 11/100 in 55615, against a Cook County average of 11/100. The 0-point range is the argument for ZIP-level search across Cook County.
What do Cook County home values and vacancy say about distressed supply?
The typical Cook County home carries about $317,950 of value against a median household income near $70,074. Vacancy across Cook County's tracked ZIPs runs 57.4% and the poverty rate is 16.1%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Cook County's foreclosure and tax-lien filings and its 81/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.