Cottonwood County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Cottonwood County, Minnesota? DLRadar grades every Cottonwood County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 23/100. Here is the 2026 Cottonwood County breakdown.
- Cottonwood County's most distressed ZIP is 56131 at 23/100.
- 13 ZIP codes tracked in Cottonwood County, averaging 18/100 distress.
- Cottonwood County reads peak — home values up 3.4% year over year.
- Vacancy runs 13% across Cottonwood County's tracked ZIPs, with a 13% poverty rate.
- The typical Cottonwood County home is worth about $154,108 against a ~$68,634 median income.
- Lending headwind in Cottonwood County sits at 58/100 — 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 | 56131 | 23/100 |
| 2 | 56145 | 20/100 |
| 3 | 56152 | 20/100 |
| 4 | 56166 | 20/100 |
| 5 | 56174 | 20/100 |
| 6 | 56180 | 19/100 |
| 7 | 56183 | 19/100 |
| 8 | 56019 | 18/100 |
| 9 | 56118 | 17/100 |
| 10 | 56101 | 16/100 |
| 11 | 56137 | 16/100 |
| 12 | 56159 | 16/100 |
Most distressed ZIP codes in Cottonwood County (composite distress 0-100, 2026)
What is driving Cottonwood County distress
DLRadar builds Cottonwood County's distress picture only from records anyone can pull; its ZIPs average 18/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Cottonwood County market phase and pricing
DLRadar places Cottonwood County in peak; prices moved up 3.4% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Cottonwood County
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What people ask
Where is distress highest inside Cottonwood County, MN?
ZIP 56131 leads Cottonwood County at 23/100, recomputed monthly from public records.
Which phase does Cottonwood County sit in right now?
Cottonwood County currently sits in peak, with values up 3.4% year on year, based on FHFA price-index trajectory.
Can the Cottonwood County figures be verified?
Each Cottonwood County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 13 local ZIPs and every other county in the country.
How much do distress scores vary between Cottonwood County ZIP codes?
A county average hides the spread. Across the Cottonwood County ZIPs DLRadar ranks, scores run from 23/100 in 56131 down to 16/100 in 56159, against a Cottonwood County average of 18/100. Those 7 points separate the ZIPs worth working in Cottonwood County from the rest.
What do Cottonwood County home values and vacancy say about distressed supply?
The typical Cottonwood County home carries about $154,108 of value against a median household income near $68,634. Vacancy across Cottonwood County's tracked ZIPs runs 13% and the poverty rate is 13%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Cottonwood County's foreclosure and tax-lien filings and its 58/100 lending headwind.
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Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.