Houston County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Houston County, MN distress report, 2026: 9 ZIPs scored in Houston, MN, Houston, MN average 17/100; the top Houston, MN ZIP is 55954 at 23/100; Houston, MN market phase peak, Houston, MN prices +5.0% year over year.
- Houston, MN ranks #3,134 nationally (opportunity index); Houston, MN #81 in Minnesota; Houston, MN index 21.7.
- Houston, MN: no CFPB county sample; Houston, MN metro area reading 0.7%.
- Houston, MN ZIP phases: 8 peak, 1 neutral.
- Houston, MN residential listings tracked: 1 across 7 ZIPs; Houston, MN candidate listings 1.
- Houston, MN HUD assisted properties: 2 with 130 units.
- Houston, MN lenders on watch: 3; largest Houston, MN footprint Esb Bank (3 branches).
- Houston, MN most distressed ZIP: 55954 at 23/100.
Houston, MN figures: DLRadar distress index; Houston, MN inputs: CFPB, FHFA, HUD, FDIC; Houston, MN rebuilt as sources refresh.
| Rank | Houston, MN ZIP | Score |
|---|---|---|
| 1 | 55954 | 23/100 |
| 2 | 55919 | 17/100 |
| 3 | 55921 | 17/100 |
| 4 | 55931 | 17/100 |
| 5 | 55941 | 17/100 |
| 6 | 55974 | 17/100 |
| 7 | 55971 | 16/100 |
| 8 | 55943 | 14/100 |
| 9 | 55947 | 12/100 |
Most distressed Houston, MN ZIPs (0-100, 2026)
Mortgage delinquency around Houston, MN
No CFPB county sample covers Houston, MN; the metro area reading for Houston, MN (La Crosse-Onalaska, WI-MN): 0.7% ninety-plus; Houston, MN area thirty-to-eighty-nine 1.4% (December 2025, Houston, MN); Minnesota overall 0.6%.
Opportunity index: Houston, MN
Houston, MN index 21.7, Houston, MN phase weak; Houston, MN primary driver bank institutional, Houston, MN second driver vacancy. Houston, MN components: property stress 14.3, foreclosure pressure 12.8, listing discounts 4.7, bank stress 62.4, insurance 0.0; Houston, MN pulse 27.9; Houston, MN capital opportunity 12.3; Houston, MN seven-day change +0.2%.
ZIP market phases inside Houston, MN
9 Houston, MN ZIPs carry a price-cycle phase; Houston, MN ZIPs by phase (Houston, MN), deepest drawdown first: peak, +5.0% YoY (Houston, MN): 55919, 55921, 55931, 55941; peak, +4.5% YoY (Houston, MN): 55943; peak, +4.2% YoY (Houston, MN): 55947; neutral, +3.2% YoY (Houston, MN): 55954; peak, +3.2% YoY (Houston, MN): 55971; peak, +4.9% YoY (Houston, MN): 55974.
Residential listings by Houston, MN ZIP
Houston, MN ZIPs with the most tracked Houston, MN residential listings: 55943 1 listings, 1 candidates, bank pressure 64; 55919 0 listings, 0 candidates, bank pressure 67; 55921 0 listings, 0 candidates, bank pressure 67; 55931 0 listings, 0 candidates, bank pressure 67 (Houston, MN); 55941 0 listings, 0 candidates, bank pressure 67; 55947 0 listings, 0 candidates, bank pressure 64; 55974 0 listings, 0 candidates, bank pressure 67. Houston, MN totals: 1 listings; Houston, MN candidates 1; active ZIPs 1.
HUD assisted housing in Houston, MN
2 assisted properties with 130 units sit in Houston, MN; largest Houston, MN properties: Lancer Village Apartments (La Crescent) 96 units; Crestview Apartments (La Crescent) 34 units, 34 assisted.
Lenders with branches in Houston, MN
Houston, MN lenders by branch count: Esb Bank (Houston, MN): stress 63, 3 branches low in Houston, MN; Merchants Bank National Assn (Houston, MN): stress 59, 3 branches low in Houston, MN; Rushford State Bank Inc (Houston, MN): stress 88, 1 branch moderate in Houston, MN.
Vacancy and permits, Houston, MN
640 of 8,774 Houston, MN housing units are vacant; Houston, MN permits, twelve months: 0 multifamily units in Houston, MN, 49 one-to-four unit units.
Work Houston, MN at the parcel level
Every Houston, MN parcel carries owner and address; every Houston, MN parcel carries APN; Houston, MN distress scores sit on the Houston, MN live board.
Houston, MN figures refresh with each source.
Houston, MN questions
Most distressed ZIP code in Houston County, MN?
ZIP 55954 leads Houston, MN at 23/100; next in Houston, MN: 55919 at 17/100; the Houston, MN average is 17/100.
Where does Houston County, MN rank for investment opportunity?
Houston, MN is #3,134 among all ranked counties, #81 in Minnesota; the Houston, MN driver is bank institutional; Houston, MN moved down 413 places.
How many mortgages are delinquent in Houston County, MN?
Houston, MN takes the metro area reading of 0.7% for December 2025; no CFPB county sample covers Houston, MN.
Which banks lend in Houston County, MN?
3 watched lenders hold Houston, MN branches; the largest Houston, MN footprints are Esb Bank (3), Merchants Bank National Assn (3), Rushford State Bank Inc (1).
More on Houston, MN
Houston County, MN distress report: public-record figures for Houston, MN; not legal advice for Houston, MN; not tax or investment advice; verify every Houston, MN record before acting.