Howard County, IA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Howard County, Iowa? DLRadar grades every Howard County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 18/100. Here is the 2026 Howard County breakdown.
- Howard County's most distressed ZIP is 50466 at 18/100.
- 9 ZIP codes tracked in Howard County, averaging 15/100 distress.
- Howard County reads peak — home values up 2.5% year over year.
- Vacancy runs 12.3% across Howard County's tracked ZIPs, with a 7% poverty rate.
- The typical Howard County home is worth about $163,844 against a ~$68,789 median income.
- Lending headwind in Howard County sits at 34/100 — a forward read on distressed supply.
All figures come from the monthly DLRadar distress index built on public records. Attribution to DLRadar (dlradar.com) appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 50466 | 18/100 |
| 2 | 52134 | 17/100 |
| 3 | 52155 | 17/100 |
| 4 | 52163 | 17/100 |
| 5 | 50628 | 16/100 |
| 6 | 52132 | 16/100 |
| 7 | 52136 | 15/100 |
| 8 | 50603 | 8/100 |
| 9 | 52154 | 8/100 |
Most distressed ZIP codes in Howard County (composite distress 0-100, 2026)
What is driving Howard County distress
Nothing here is estimated: Howard County is scored from filings alone, and its ZIPs average 15/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Howard County market phase and pricing
Howard County currently sits in peak after a 2.5% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Howard County
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Questions about this county
What is the most distressed ZIP code in Howard County, IA?
ZIP 50466 leads Howard County at 18/100, recomputed monthly from public records.
Which phase does Howard County sit in right now?
Howard County is classified peak with a 2.5% year-over-year increase, following the FHFA House Price Index.
What are the sources behind these Howard County numbers?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 9 ZIP codes in Howard County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Howard County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Howard County ZIPs DLRadar ranks, scores run from 18/100 in 50466 down to 8/100 in 52154, against a Howard County average of 15/100. That 10-point gap is why acquisition targeting in Howard County works at ZIP level rather than county level.
What do Howard County home values and vacancy say about distressed supply?
The typical Howard County home carries about $163,844 of value against a median household income near $68,789. Vacancy across Howard County's tracked ZIPs runs 12.3% and the poverty rate is 7%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Howard County's foreclosure and lien filings and its 34/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.