Lake County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Lake County, Minnesota? DLRadar grades every Lake County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Lake County breakdown.
- Lake County's most distressed ZIP is 55602 at 28/100.
- 9 ZIP codes tracked in Lake County, averaging 18/100 distress.
- Lake County reads peak — home values up 3.4% year over year.
- Vacancy runs 44.4% across Lake County's tracked ZIPs, with a 10.2% poverty rate.
- The typical Lake County home is worth about $207,813 against a ~$70,913 median income.
- Lending headwind in Lake County sits at 48/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 55602 | 28/100 |
| 2 | 55731 | 21/100 |
| 3 | 55796 | 21/100 |
| 4 | 55616 | 16/100 |
| 5 | 55601 | 15/100 |
| 6 | 55603 | 15/100 |
| 7 | 55607 | 15/100 |
| 8 | 55609 | 15/100 |
| 9 | 55614 | 15/100 |
Most distressed ZIP codes in Lake County (composite distress 0-100, 2026)
What is driving Lake County distress
Lake County's placement in the national index rests on public filings — a 18/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Lake County market phase and pricing
Lake County reads peak — home prices rose 3.4% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Lake County
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Questions about this county
Which part of Lake County, MN scores highest for distress?
ZIP 55602 leads Lake County at 28/100, recomputed monthly from public records.
What market phase is Lake County in?
The market phase for Lake County is peak, prices rising 3.4% on the year — derived from the FHFA House Price Index path.
How is the Lake County data sourced?
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 Lake County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Lake County ZIP codes?
County-level numbers smooth away the detail that matters. Across the Lake County ZIPs DLRadar ranks, scores run from 28/100 in 55602 down to 15/100 in 55614, against a Lake County average of 18/100. Because the gap runs to 13 points, Lake County rewards ZIP-level precision.
What do Lake County home values and vacancy say about distressed supply?
The typical Lake County home carries about $207,813 of value against a median household income near $70,913. Vacancy across Lake County's tracked ZIPs runs 44.4% and the poverty rate is 10.2%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Lake County's filings and its 48/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.