Harding County, SD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Harding County, SD distress report, 2026: 12 ZIPs scored in Harding, SD, Harding, SD average 5/100; the top Harding, SD ZIP is 58649 at 11/100; Harding, SD market phase peak, Harding, SD prices +2.2% year over year.
- Harding, SD ranks #2,517 nationally (opportunity index); Harding, SD #52 in South Dakota; Harding, SD index 25.8.
- Harding, SD: no CFPB county sample; Harding, SD state reading 0.6%.
- Harding, SD ZIP phases: 12 peak.
- Harding, SD residential listings tracked: 1 across 6 ZIPs; Harding, SD candidate listings 0.
- Harding, SD lenders on watch: 1; largest Harding, SD footprint Pioneer Bank&Trust (1 branch).
- Harding, SD most distressed ZIP: 58649 at 11/100.
Harding, SD figures: DLRadar distress index; Harding, SD inputs: CFPB, FHFA, HUD, FDIC; Harding, SD rebuilt as sources refresh.
| Rank | Harding, SD ZIP | Score |
|---|---|---|
| 1 | 58649 | 11/100 |
| 2 | 57649 | 6/100 |
| 3 | 57650 | 6/100 |
| 4 | 57651 | 6/100 |
| 5 | 57720 | 6/100 |
| 6 | 57755 | 6/100 |
| 7 | 57776 | 6/100 |
| 8 | 57717 | 4/100 |
| 9 | 57760 | 4/100 |
| 10 | 57724 | 2/100 |
| 11 | 58623 | 1/100 |
| 12 | 58653 | 1/100 |
Most distressed Harding, SD ZIPs (0-100, 2026)
Mortgage delinquency around Harding, SD
No CFPB county sample covers Harding, SD; the state reading for Harding, SD: 0.6% ninety-plus; Harding, SD area thirty-to-eighty-nine 2.0% (December 2025, Harding, SD).
Opportunity index: Harding, SD
Harding, SD index 25.8, Harding, SD phase weak; Harding, SD primary driver vacancy, Harding, SD second driver bank institutional. Harding, SD components: property stress 15.5, foreclosure pressure 15.7, listing discounts 16.1, bank stress 55.6, insurance 0.0; Harding, SD pulse 30.7; Harding, SD capital opportunity 18.4; Harding, SD seven-day change +0.4%.
ZIP market phases inside Harding, SD
12 Harding, SD ZIPs carry a price-cycle phase; Harding, SD ZIPs by phase (Harding, SD), deepest drawdown first: peak, +2.2% YoY, 0.4% off peak (Harding, SD): 57649, 57650, 57651, 57720, Harding, SD 57755, 57760, 57776; peak, +2.4% YoY, 0.3% off peak (Harding, SD): 57717; peak, +2.2% YoY, 0.2% off peak (Harding, SD): 57724; peak, +3.9% YoY, 0.1% off peak (Harding, SD): 58653; peak, +4.0% YoY, 0.1% off peak (Harding, SD): 58649; peak, +4.1% YoY, 0.0% off peak (Harding, SD): 58623.
Residential listings by Harding, SD ZIP
Harding, SD ZIPs with the most tracked Harding, SD residential listings: 57720 1 listings, 0 candidates, bank pressure 59; 57650 0 listings, 0 candidates, bank pressure 59; 57651 0 listings, 0 candidates, bank pressure 67; 57724 0 listings, 0 candidates, bank pressure 80 (Harding, SD); 57755 0 listings, 0 candidates, bank pressure 59; 57776 0 listings, 0 candidates, bank pressure 59. Harding, SD totals: 1 listings; Harding, SD candidates 0; active ZIPs 1.
Lenders with branches in Harding, SD
Harding, SD lenders by branch count: Pioneer Bank&Trust (Harding, SD): stress 59, 1 branch elevated in Harding, SD.
Vacancy and permits, Harding, SD
190 of 688 Harding, SD housing units are vacant; Harding, SD permits, twelve months: 0 multifamily units in Harding, SD, 1 one-to-four unit units.
Work Harding, SD at the parcel level
Every Harding, SD parcel carries owner and address; every Harding, SD parcel carries APN; Harding, SD distress scores sit on the Harding, SD live board.
Harding, SD figures refresh with each source.
Harding, SD questions
Most distressed ZIP code in Harding County, SD?
ZIP 58649 leads Harding, SD at 11/100; next in Harding, SD: 57649 at 6/100; the Harding, SD average is 5/100.
Where does Harding County, SD rank for investment opportunity?
Harding, SD is #2,517 among all ranked counties, #52 in South Dakota; the Harding, SD driver is vacancy; Harding, SD moved down 380 places.
How many mortgages are delinquent in Harding County, SD?
Harding, SD takes the state reading of 0.6% for December 2025; no CFPB county sample covers Harding, SD.
Which banks lend in Harding County, SD?
1 watched lenders hold Harding, SD branches; the largest Harding, SD footprints are Pioneer Bank&Trust (1).
More on Harding, SD
Harding County, SD distress report: public-record figures for Harding, SD; not legal advice for Harding, SD; not tax or investment advice; verify every Harding, SD record before acting.