Lincoln County, SD Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Lincoln County, SD distress report, 2026: 12 ZIPs scored in Lincoln, SD, Lincoln, SD average 24/100; the top Lincoln, SD ZIP is 57001 at 29/100; Lincoln, SD market phase peak, Lincoln, SD prices +2.5% year over year.
- Lincoln, SD ranks #2,750 nationally (opportunity index); Lincoln, SD #56 in South Dakota; Lincoln, SD index 24.7.
- Lincoln, SD: no CFPB county sample; Lincoln, SD metro area reading 0.8%.
- Lincoln, SD ZIP phases: 11 peak, 1 contraction.
- Lincoln, SD residential listings tracked: 103 across 9 ZIPs; Lincoln, SD candidate listings 25.
- Lincoln, SD HUD assisted properties: 2 with 325 units.
- Lincoln, SD lenders on watch: 8; largest Lincoln, SD footprint First Nb In Sioux Falls (4 branches).
- Lincoln, SD most distressed ZIP: 57001 at 29/100.
Lincoln, SD figures: DLRadar distress index; Lincoln, SD inputs: CFPB, FHFA, HUD, FDIC; Lincoln, SD rebuilt as sources refresh.
| Rank | Lincoln, SD ZIP | Score |
|---|---|---|
| 1 | 57001 | 29/100 |
| 2 | 57106 | 28/100 |
| 3 | 57004 | 24/100 |
| 4 | 57013 | 23/100 |
| 5 | 57027 | 23/100 |
| 6 | 57032 | 23/100 |
| 7 | 57034 | 23/100 |
| 8 | 57039 | 23/100 |
| 9 | 57077 | 23/100 |
| 10 | 57108 | 23/100 |
| 11 | 57064 | 22/100 |
| 12 | 57014 | 19/100 |
Most distressed Lincoln, SD ZIPs (0-100, 2026)
Mortgage delinquency around Lincoln, SD
No CFPB county sample covers Lincoln, SD; the metro area reading for Lincoln, SD (Sioux Falls, SD-MN): 0.8% ninety-plus; Lincoln, SD area thirty-to-eighty-nine 1.9% (December 2025, Lincoln, SD); South Dakota overall 0.6%.
Opportunity index: Lincoln, SD
Lincoln, SD index 24.7, Lincoln, SD phase weak; Lincoln, SD primary driver bank institutional, Lincoln, SD second driver listings discount. Lincoln, SD components: property stress 10.8, foreclosure pressure 9.0, listing discounts 36.2, bank stress 59.3, insurance 0.0; Lincoln, SD pulse 24.5; Lincoln, SD capital opportunity 24.9; Lincoln, SD seven-day change +0.3%.
ZIP market phases inside Lincoln, SD
12 Lincoln, SD ZIPs carry a price-cycle phase; Lincoln, SD ZIPs by phase (Lincoln, SD), deepest drawdown first: contraction, -1.1% YoY, 1.2% off peak (Lincoln, SD): 57001; peak, +1.3% YoY, 0.4% off peak (Lincoln, SD): 57004; peak, +2.1% YoY, 0.2% off peak (Lincoln, SD): 57034; peak, +2.5% YoY, 0.1% off peak (Lincoln, SD): 57064, 57013, 57027, 57032, Lincoln, SD 57039, 57077, 57106, 57108; peak, +2.2% YoY, 0.1% off peak (Lincoln, SD): 57014.
Residential listings by Lincoln, SD ZIP
Lincoln, SD ZIPs with the most tracked Lincoln, SD residential listings: 57032 49 listings, 11 candidates, bank pressure 61; 57108 28 listings, 8 candidates, bank pressure 63; 57064 21 listings, 6 candidates, bank pressure 60; 57077 2 listings, 0 candidates, bank pressure 61 (Lincoln, SD); 57013 1 listings, 0 candidates, bank pressure 61; 57034 1 listings, 0 candidates, bank pressure 56; 57039 1 listings, 0 candidates, bank pressure 60; 57004 0 listings, 0 candidates, bank pressure 57. Lincoln, SD totals: 103 listings; Lincoln, SD candidates 25; active ZIPs 7.
HUD assisted housing in Lincoln, SD
2 assisted properties with 325 units sit in Lincoln, SD; largest Lincoln, SD properties: Platinum Valley Apartments (Sioux Falls) 264 units; Village Cooperative Of Sioux Falls (Sioux Falls) 61 units.
Lenders with branches in Lincoln, SD
Lincoln, SD lenders by branch count: First Nb In Sioux Falls (Lincoln, SD): stress 70, 4 branches low in Lincoln, SD; American Bank&Trust (Lincoln, SD): stress 60, 3 branches low in Lincoln, SD; Sunrise Banks National Assn (Lincoln, SD): stress 86, 2 branches low in Lincoln, SD; Citibank National Assn (Lincoln, SD): stress 74, 2 branches low in Lincoln, SD; Reliabank Dakota (Lincoln, SD): stress 69, 2 branches low in Lincoln, SD; Wells Fargo Bank Na (Lincoln, SD): stress 67, 2 branches low in Lincoln, SD; First Dakota National Bank (Lincoln, SD): stress 58, 2 branches low in Lincoln, SD; Cortrust Bank National Assn (Lincoln, SD): stress 87, 1 branch low in Lincoln, SD.
Vacancy and permits, Lincoln, SD
831 of 28,710 Lincoln, SD housing units are vacant; Lincoln, SD permits, twelve months: 107 multifamily units in Lincoln, SD, 284 one-to-four unit units.
Work Lincoln, SD at the parcel level
Every Lincoln, SD parcel carries owner and address; every Lincoln, SD parcel carries APN; Lincoln, SD distress scores sit on the Lincoln, SD live board.
Lincoln, SD figures refresh with each source.
Lincoln, SD questions
Most distressed ZIP code in Lincoln County, SD?
ZIP 57001 leads Lincoln, SD at 29/100; next in Lincoln, SD: 57106 at 28/100; the Lincoln, SD average is 24/100.
Where does Lincoln County, SD rank for investment opportunity?
Lincoln, SD is #2,750 among all ranked counties, #56 in South Dakota; the Lincoln, SD driver is bank institutional; Lincoln, SD moved up 324 places.
How many mortgages are delinquent in Lincoln County, SD?
Lincoln, SD takes the metro area reading of 0.8% for December 2025; no CFPB county sample covers Lincoln, SD.
Which banks lend in Lincoln County, SD?
8 watched lenders hold Lincoln, SD branches; the largest Lincoln, SD footprints are First Nb In Sioux Falls (4), American Bank&Trust (3), Sunrise Banks National Assn (2).
More on Lincoln, SD
Lincoln County, SD distress report: public-record figures for Lincoln, SD; not legal advice for Lincoln, SD; not tax or investment advice; verify every Lincoln, SD record before acting.