Mchenry County, ND Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Mchenry County, North Dakota? DLRadar grades every Mchenry County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 18/100. Here is the 2026 Mchenry County breakdown.
- Mchenry County's most distressed ZIP is 58778 at 18/100.
- 19 ZIP codes tracked in Mchenry County, averaging 7/100 distress.
- Mchenry County reads expansion — home values up 8.0% year over year.
- Vacancy runs 24.7% across Mchenry County's tracked ZIPs, with a 7% poverty rate.
- The typical Mchenry County home is worth about $181,833 against a ~$76,886 median income.
- Lending headwind in Mchenry County sits at 60/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 58778 | 18/100 |
| 2 | 58723 | 16/100 |
| 3 | 58748 | 12/100 |
| 4 | 58762 | 11/100 |
| 5 | 58384 | 10/100 |
| 6 | 58768 | 9/100 |
| 7 | 58368 | 8/100 |
| 8 | 58740 | 8/100 |
| 9 | 58790 | 5/100 |
| 10 | 58710 | 4/100 |
| 11 | 58731 | 4/100 |
| 12 | 58736 | 4/100 |
Most distressed ZIP codes in Mchenry County (composite distress 0-100, 2026)
What is driving Mchenry County distress
Mchenry County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 7/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Mchenry County market phase and pricing
The cycle in Mchenry County is expansion, with values up 8.0% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Frequently asked questions
Which part of Mchenry County, ND scores highest for distress?
ZIP 58778 leads Mchenry County at 18/100, recomputed monthly from public records.
How would you describe the Mchenry County market phase?
The market phase for Mchenry County is expansion, prices rising 8.0% on the year — derived from the FHFA House Price Index path.
Can the Mchenry County figures be verified?
Every Mchenry County figure traces to a public source — FHFA House Price Index for the expansion trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 19 Mchenry County ZIP codes that it runs on every other U.S. county, so Mchenry County's numbers are directly comparable to any other market.
How much do distress scores vary between Mchenry County ZIP codes?
A county average hides the spread. Across the Mchenry County ZIPs DLRadar ranks, scores run from 18/100 in 58778 down to 4/100 in 58736, against a Mchenry County average of 7/100. That 14-point gap is why acquisition targeting in Mchenry County works at ZIP level rather than county level.
What do Mchenry County home values and vacancy say about distressed supply?
The typical Mchenry County home carries about $181,833 of value against a median household income near $76,886. Vacancy across Mchenry County's tracked ZIPs runs 24.7% 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 Mchenry County's foreclosure and lien filings and its 60/100 lending headwind.
Related
Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.