Harding County, SD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Harding County, South Dakota? DLRadar grades every Harding County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 11/100. Here is the 2026 Harding County breakdown.
- Harding County's most distressed ZIP is 58649 at 11/100.
- 12 ZIP codes tracked in Harding County, averaging 5/100 distress.
- Harding County reads peak — home values up 2.2% year over year, 0.4% off peak.
- Vacancy runs 28.4% across Harding County's tracked ZIPs, with a 6.6% poverty rate.
- The typical Harding County home is worth about $170,175 against a ~$70,888 median income.
- Lending headwind in Harding County sits at 50/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 58649 | 11/100 |
| 2 | 57649 | 6/100 |
| 3 | 57650 | 6/100 |
| 4 | 57651 | 6/100 |
| 5 | 57720 | 6/100 |
| 6 | 57724 | 6/100 |
| 7 | 57755 | 6/100 |
| 8 | 57776 | 6/100 |
| 9 | 57717 | 4/100 |
| 10 | 57760 | 4/100 |
| 11 | 58623 | 1/100 |
| 12 | 58653 | 1/100 |
Most distressed ZIP codes in Harding County (composite distress 0-100, 2026)
What is driving Harding County distress
DLRadar builds Harding County's distress picture only from records anyone can pull; its ZIPs average 5/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Harding County market phase and pricing
Phase for Harding County: peak (+2.2% YoY, 0.4% off peak). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Harding County
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What people ask
Which Harding County ZIP scores worst for distress?
ZIP 58649 leads Harding County at 11/100, recomputed monthly from public records.
What stage of the price cycle is Harding County at?
Phase for Harding County: peak, tracking a 2.2% gain year over year, read off the FHFA index.
What is this Harding County analysis built from?
Every Harding County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 12 Harding County ZIP codes that it runs on every other U.S. county, so Harding County's numbers are directly comparable to any other market.
How much do distress scores vary between Harding County ZIP codes?
One county number flattens a wide range. Across the Harding County ZIPs DLRadar ranks, scores run from 11/100 in 58649 down to 1/100 in 58653, against a Harding County average of 5/100. That 10-point gap is why acquisition targeting in Harding County works at ZIP level rather than county level.
What do Harding County home values and vacancy say about distressed supply?
The typical Harding County home carries about $170,175 of value against a median household income near $70,888. Vacancy across Harding County's tracked ZIPs runs 28.4% and the poverty rate is 6.6%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Harding County's foreclosure and tax-lien filings and its 50/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.