Mercer County, ND Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Mercer County, North Dakota? DLRadar grades every Mercer County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 18/100. Here is the 2026 Mercer County breakdown.
- Mercer County's most distressed ZIP is 58631 at 18/100.
- 10 ZIP codes tracked in Mercer County, averaging 13/100 distress.
- Mercer County reads peak — home values up 4.2% year over year.
- Vacancy runs 22.5% across Mercer County's tracked ZIPs, with a 9.5% poverty rate.
- The typical Mercer County home is worth about $176,289 against a ~$76,971 median income.
- Lending headwind in Mercer County sits at 83/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 58631 | 18/100 |
| 2 | 58638 | 17/100 |
| 3 | 58523 | 14/100 |
| 4 | 58545 | 14/100 |
| 5 | 58571 | 14/100 |
| 6 | 58541 | 13/100 |
| 7 | 58580 | 13/100 |
| 8 | 58625 | 12/100 |
| 9 | 58636 | 12/100 |
| 10 | 58530 | 5/100 |
Most distressed ZIP codes in Mercer County (composite distress 0-100, 2026)
What is driving Mercer County distress
The Mercer County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 13/100 ZIP average. No proprietary or modelled inputs enter the score.
Mercer County market phase and pricing
Phase for Mercer County: peak (+4.2% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Mercer County
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What people ask
Where is distress highest inside Mercer County, ND?
ZIP 58631 leads Mercer County at 18/100, recomputed monthly from public records.
What stage of the price cycle is Mercer County at?
Phase for Mercer County: peak, tracking a 4.2% gain year over year, read off the FHFA index.
Which datasets feed the Mercer County scores?
Mercer County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 10 ZIPs are comparable to anywhere else.
How much do distress scores vary between Mercer County ZIP codes?
One county number flattens a wide range. Across the Mercer County ZIPs DLRadar ranks, scores run from 18/100 in 58631 down to 5/100 in 58530, against a Mercer County average of 13/100. With 13 points between best and worst, county-level targeting in Mercer County wastes effort.
What do Mercer County home values and vacancy say about distressed supply?
The typical Mercer County home carries about $176,289 of value against a median household income near $76,971. Vacancy across Mercer County's tracked ZIPs runs 22.5% and the poverty rate is 9.5%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Mercer County's foreclosure and lien filings and its 83/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.