Cottonwood County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Cottonwood County, MN distress report, 2026: 13 ZIPs scored in Cottonwood, MN, Cottonwood, MN average 19/100; the top Cottonwood, MN ZIP is 56131 at 23/100; Cottonwood, MN market phase peak, Cottonwood, MN prices +3.4% year over year.
- Cottonwood, MN ranks #2,242 nationally (opportunity index); Cottonwood, MN #36 in Minnesota; Cottonwood, MN index 26.9.
- Cottonwood, MN: no CFPB county sample; Cottonwood, MN non-metro area reading 1.0%.
- Cottonwood, MN ZIP phases: 13 peak.
- Cottonwood, MN residential listings tracked: 0 across 6 ZIPs; Cottonwood, MN candidate listings 0.
- Cottonwood, MN HUD assisted properties: 1 with 52 units.
- Cottonwood, MN lenders on watch: 3; largest Cottonwood, MN footprint United Prairie Bank (2 branches).
- Cottonwood, MN most distressed ZIP: 56131 at 23/100.
Cottonwood, MN figures: DLRadar distress index; Cottonwood, MN inputs: CFPB, FHFA, HUD, FDIC; Cottonwood, MN rebuilt as sources refresh.
| Rank | Cottonwood, MN ZIP | Score |
|---|---|---|
| 1 | 56131 | 23/100 |
| 2 | 56145 | 22/100 |
| 3 | 56174 | 22/100 |
| 4 | 56183 | 21/100 |
| 5 | 56118 | 19/100 |
| 6 | 56152 | 19/100 |
| 7 | 56166 | 19/100 |
| 8 | 56019 | 18/100 |
| 9 | 56159 | 18/100 |
| 10 | 56180 | 18/100 |
| 11 | 56101 | 16/100 |
| 12 | 56137 | 16/100 |
Most distressed Cottonwood, MN ZIPs (0-100, 2026)
Mortgage delinquency around Cottonwood, MN
No CFPB county sample covers Cottonwood, MN; the non-metro area reading for Cottonwood, MN: 1.0% ninety-plus; Cottonwood, MN area thirty-to-eighty-nine 2.2% (December 2025, Cottonwood, MN); Minnesota overall 0.6%.
Opportunity index: Cottonwood, MN
Cottonwood, MN index 26.9, Cottonwood, MN phase weak; Cottonwood, MN primary driver bank institutional, Cottonwood, MN second driver vacancy. Cottonwood, MN components: property stress 22.9, foreclosure pressure 22.9, listing discounts 11.6, bank stress 61.2, insurance 0.0; Cottonwood, MN pulse 33.5; Cottonwood, MN capital opportunity 17.0; Cottonwood, MN seven-day change +0.3%.
ZIP market phases inside Cottonwood, MN
13 Cottonwood, MN ZIPs carry a price-cycle phase; Cottonwood, MN ZIPs by phase (Cottonwood, MN), deepest drawdown first: peak, +3.0% YoY (Cottonwood, MN): 56019; peak, +3.2% YoY (Cottonwood, MN): 56083; peak, +3.4% YoY (Cottonwood, MN): 56101, 56118, 56137, 56145, Cottonwood, MN 56152, 56159, 56166, 56174, Cottonwood, MN 56180, 56183; peak, +3.1% YoY (Cottonwood, MN): 56131.
Residential listings by Cottonwood, MN ZIP
Cottonwood, MN ZIPs with the most tracked Cottonwood, MN residential listings: 56101 0 listings, 0 candidates, bank pressure 58; 56118 0 listings, 0 candidates, bank pressure 58; 56145 0 listings, 0 candidates, bank pressure 55; 56159 0 listings, 0 candidates, bank pressure 58 (Cottonwood, MN); 56174 0 listings, 0 candidates, bank pressure 55; 56183 0 listings, 0 candidates, bank pressure 53. Cottonwood, MN totals: 0 listings; Cottonwood, MN candidates 0; active ZIPs 0.
HUD assisted housing in Cottonwood, MN
1 assisted properties with 52 units sit in Cottonwood, MN; largest Cottonwood, MN properties: Windom Apartments (Windom) 52 units, 42 assisted.
Lenders with branches in Cottonwood, MN
Cottonwood, MN lenders by branch count: United Prairie Bank (Cottonwood, MN): stress 61, 2 branches low in Cottonwood, MN; First Security Bk Sleepy Eye (Cottonwood, MN): stress 40, 1 branch low in Cottonwood, MN; State Bank Of Jeffers (Cottonwood, MN): stress 29, 1 branch low in Cottonwood, MN.
Vacancy and permits, Cottonwood, MN
538 of 5,168 Cottonwood, MN housing units are vacant; Cottonwood, MN permits, twelve months: 0 multifamily units in Cottonwood, MN, 10 one-to-four unit units.
Work Cottonwood, MN at the parcel level
Every Cottonwood, MN parcel carries owner and address; every Cottonwood, MN parcel carries APN; Cottonwood, MN distress scores sit on the Cottonwood, MN live board.
Cottonwood, MN figures refresh with each source.
Cottonwood, MN questions
Most distressed ZIP code in Cottonwood County, MN?
ZIP 56131 leads Cottonwood, MN at 23/100; next in Cottonwood, MN: 56145 at 22/100; the Cottonwood, MN average is 19/100.
Where does Cottonwood County, MN rank for investment opportunity?
Cottonwood, MN is #2,242 among all ranked counties, #36 in Minnesota; the Cottonwood, MN driver is bank institutional; Cottonwood, MN moved down 764 places.
How many mortgages are delinquent in Cottonwood County, MN?
Cottonwood, MN takes the non-metro area reading of 1.0% for December 2025; no CFPB county sample covers Cottonwood, MN.
Which banks lend in Cottonwood County, MN?
3 watched lenders hold Cottonwood, MN branches; the largest Cottonwood, MN footprints are United Prairie Bank (2), First Security Bk Sleepy Eye (1), State Bank Of Jeffers (1).
More on Cottonwood, MN
Cottonwood County, MN distress report: public-record figures for Cottonwood, MN; not legal advice for Cottonwood, MN; not tax or investment advice; verify every Cottonwood, MN record before acting.