Houston County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Houston County, Minnesota? DLRadar grades every Houston County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 23/100. Here is the 2026 Houston County breakdown.
- Houston County's most distressed ZIP is 55954 at 23/100.
- 9 ZIP codes tracked in Houston County, averaging 17/100 distress.
- Houston County reads peak — home values up 5.0% year over year.
- Vacancy runs 9% across Houston County's tracked ZIPs, with a 6.6% poverty rate.
- The typical Houston County home is worth about $210,500 against a ~$76,822 median income.
- Lending headwind in Houston County sits at 51/100 — 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 | 55954 | 23/100 |
| 2 | 55919 | 17/100 |
| 3 | 55921 | 17/100 |
| 4 | 55931 | 17/100 |
| 5 | 55941 | 17/100 |
| 6 | 55971 | 17/100 |
| 7 | 55974 | 17/100 |
| 8 | 55943 | 15/100 |
| 9 | 55947 | 14/100 |
Most distressed ZIP codes in Houston County (composite distress 0-100, 2026)
What is driving Houston County distress
DLRadar builds Houston County's distress picture only from records anyone can pull; its ZIPs average 17/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Houston County market phase and pricing
Houston County currently sits in peak after a 5.0% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
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Questions and answers
Which part of Houston County, MN scores highest for distress?
ZIP 55954 leads Houston County at 23/100, recomputed monthly from public records.
What stage of the price cycle is Houston County at?
Houston County reads peak, with home prices up 5.0% year over year. Phase comes from FHFA House Price Index trajectory.
Can the Houston County figures be verified?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 9 Houston County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Houston County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Houston County ZIPs DLRadar ranks, scores run from 23/100 in 55954 down to 14/100 in 55947, against a Houston County average of 17/100. The 9-point range is the argument for ZIP-level search across Houston County.
What do Houston County home values and vacancy say about distressed supply?
The typical Houston County home carries about $210,500 of value against a median household income near $76,822. Vacancy across Houston County's tracked ZIPs runs 9% and the poverty rate is 6.6%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Houston County's foreclosure and lien filings and its 51/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.