Dakota County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Dakota County, MN distress report, 2026: 22 ZIPs scored in Dakota, MN, Dakota, MN average 22/100; the top Dakota, MN ZIP is 55057 at 25/100; Dakota, MN market phase peak, Dakota, MN prices +2.4% year over year.
- Dakota, MN ranks #3,099 nationally (opportunity index); Dakota, MN #79 in Minnesota; Dakota, MN index 22.1.
- Dakota, MN ninety-day mortgage delinquency 0.7% in December 2025; Dakota, MN twelve-month change +0.4%.
- Dakota, MN ZIP phases: 22 peak.
- Dakota, MN residential listings tracked: 151 across 19 ZIPs; Dakota, MN candidate listings 46.
- Dakota, MN HUD assisted properties: 30 with 2,658 units.
- Dakota, MN lenders on watch: 8; largest Dakota, MN footprint Vermillion State Bank (6 branches).
- Dakota, MN most distressed ZIP: 55057 at 25/100.
Dakota, MN figures: DLRadar distress index; Dakota, MN inputs: CFPB, FHFA, HUD, FDIC; Dakota, MN rebuilt as sources refresh.
| Rank | Dakota, MN ZIP | Score |
|---|---|---|
| 1 | 55057 | 25/100 |
| 2 | 55089 | 23/100 |
| 3 | 55009 | 22/100 |
| 4 | 55024 | 22/100 |
| 5 | 55031 | 22/100 |
| 6 | 55033 | 22/100 |
| 7 | 55065 | 22/100 |
| 8 | 55068 | 22/100 |
| 9 | 55075 | 22/100 |
| 10 | 55076 | 22/100 |
| 11 | 55077 | 22/100 |
| 12 | 55085 | 22/100 |
Most distressed Dakota, MN ZIPs (0-100, 2026)
Mortgage delinquency in Dakota, MN
0.7% of Dakota, MN mortgages were ninety-plus days late (Dakota, MN, December 2025); Dakota, MN thirty-to-eighty-nine days late: 1.2%; Dakota, MN twelve-month change +0.4%; Dakota, MN peak since 2008: 3.3% (November 2009); Minnesota overall 0.6%. Dakota, MN ninety-day series: Dec 24 0.3, Jan 25 0.5, Feb 25 0.4 (Dakota, MN), Mar 25 0.4, Apr 25 0.4, May 25 0.6 (Dakota, MN), Jun 25 0.5, Jul 25 0.5, Aug 25 0.5 (Dakota, MN), Sep 25 0.5, Oct 25 0.7, Nov 25 0.7 (Dakota, MN), Dec 25 0.7.
Opportunity index: Dakota, MN
Dakota, MN index 22.1, Dakota, MN phase weak; Dakota, MN primary driver bank institutional, Dakota, MN second driver listings discount. Dakota, MN components: property stress 6.1, foreclosure pressure 4.2, listing discounts 29.1, bank stress 58.1, insurance 0.0; Dakota, MN pulse 22.5; Dakota, MN capital opportunity 21.4; Dakota, MN seven-day change +0.2%.
ZIP market phases inside Dakota, MN
22 Dakota, MN ZIPs carry a price-cycle phase; Dakota, MN ZIPs by phase (Dakota, MN), deepest drawdown first: peak, +2.6% YoY (Dakota, MN): 55009; peak, +2.4% YoY (Dakota, MN): 55024, 55031, 55033, 55044, Dakota, MN 55065, 55068, 55075, 55076, Dakota, MN 55077, 55085, 55118, 55120, Dakota, MN 55121; peak, +2.5% YoY (Dakota, MN): 55057; peak, +2.7% YoY (Dakota, MN): 55089.
Residential listings by Dakota, MN ZIP
Dakota, MN ZIPs with the most tracked Dakota, MN residential listings: 55123 36 listings, 10 candidates, bank pressure 62; 55122 33 listings, 6 candidates, bank pressure 62; 55121 16 listings, 5 candidates, bank pressure 62; 55024 11 listings, 3 candidates, bank pressure 62 (Dakota, MN); 55118 11 listings, 3 candidates, bank pressure 65; 55075 9 listings, 2 candidates, bank pressure 62; 55337 9 listings, 5 candidates, bank pressure 62; 55124 6 listings, 3 candidates, bank pressure 62. Dakota, MN totals: 151 listings; Dakota, MN candidates 46; active ZIPs 13.
HUD assisted housing in Dakota, MN
30 assisted properties with 2,658 units sit in Dakota, MN; largest Dakota, MN properties: Forest Ridge Apartments (Eagan) 252 units; Hearthstone Apartments (Apple Valley) 228 units; Blackberry Pointe Apartments (Inver Grove Heights) 219 units in Dakota, MN; Coventry Court (Burnsville) 192 units; Walnut Trails Townhome Apartments (Eagan) 168 units; Realife Cooperative Of Burnsville (Burnsville) 119 units.
Lenders with branches in Dakota, MN
Dakota, MN lenders by branch count: Vermillion State Bank (Dakota, MN): stress 29, 6 branches low in Dakota, MN; Merchants Bank National Assn (Dakota, MN): stress 59, 4 branches low in Dakota, MN; Midcountry Bank (Dakota, MN): stress 61, 3 branches low in Dakota, MN; Castle Rock Bank (Dakota, MN): stress 48, 3 branches low in Dakota, MN; First Stb Of Rosemount (Dakota, MN): stress 95, 2 branches low in Dakota, MN; Sterling State Bank (Dakota, MN): stress 82, 2 branches low in Dakota, MN; Lakeview Bank (Dakota, MN): stress 76, 2 branches low in Dakota, MN; Minnwest Bank (Dakota, MN): stress 62, 2 branches low in Dakota, MN.
Vacancy and permits, Dakota, MN
4,517 of 178,879 Dakota, MN housing units are vacant; Dakota, MN permits, twelve months: 1,241 multifamily units in Dakota, MN, 1,550 one-to-four unit units.
Work Dakota, MN at the parcel level
Every Dakota, MN parcel carries owner and address; every Dakota, MN parcel carries APN; Dakota, MN distress scores sit on the Dakota, MN live board.
Dakota, MN figures refresh with each source.
Dakota, MN questions
Most distressed ZIP code in Dakota County, MN?
ZIP 55057 leads Dakota, MN at 25/100; next in Dakota, MN: 55089 at 23/100; the Dakota, MN average is 22/100.
Where does Dakota County, MN rank for investment opportunity?
Dakota, MN is #3,099 among all ranked counties, #79 in Minnesota; the Dakota, MN driver is bank institutional; Dakota, MN moved up 59 places.
How many mortgages are delinquent in Dakota County, MN?
0.7% of Dakota, MN mortgages were ninety-plus days late in December 2025; the Dakota, MN peak since 2008 was 3.3%.
Which banks lend in Dakota County, MN?
8 watched lenders hold Dakota, MN branches; the largest Dakota, MN footprints are Vermillion State Bank (6), Merchants Bank National Assn (4), Midcountry Bank (3).
More on Dakota, MN
Dakota County, MN distress report: public-record figures for Dakota, MN; not legal advice for Dakota, MN; not tax or investment advice; verify every Dakota, MN record before acting.