Mercer County, ND Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Mercer County, ND distress report, 2026: 10 ZIPs scored in Mercer, ND, Mercer, ND average 15/100; the top Mercer, ND ZIP is 58631 at 19/100; Mercer, ND market phase peak, Mercer, ND prices +4.2% year over year.
- Mercer, ND ranks #176 nationally (opportunity index); Mercer, ND #1 in North Dakota; Mercer, ND index 36.1.
- Mercer, ND: no CFPB county sample; Mercer, ND state reading 0.6%.
- Mercer, ND ZIP phases: 7 peak, 3 expansion.
- Mercer, ND residential listings tracked: 7 across 5 ZIPs; Mercer, ND candidate listings 3.
- Mercer, ND lenders on watch: 3; largest Mercer, ND footprint Union State Bank Of Hazen (4 branches).
- Mercer, ND most distressed ZIP: 58631 at 19/100.
Mercer, ND figures: DLRadar distress index; Mercer, ND inputs: CFPB, FHFA, HUD, FDIC; Mercer, ND rebuilt as sources refresh.
| Rank | Mercer, ND ZIP | Score |
|---|---|---|
| 1 | 58631 | 19/100 |
| 2 | 58638 | 19/100 |
| 3 | 58523 | 17/100 |
| 4 | 58541 | 17/100 |
| 5 | 58545 | 17/100 |
| 6 | 58571 | 17/100 |
| 7 | 58580 | 17/100 |
| 8 | 58625 | 13/100 |
| 9 | 58636 | 12/100 |
| 10 | 58530 | 6/100 |
Most distressed Mercer, ND ZIPs (0-100, 2026)
Mortgage delinquency around Mercer, ND
No CFPB county sample covers Mercer, ND; the state reading for Mercer, ND: 0.6% ninety-plus; Mercer, ND area thirty-to-eighty-nine 1.3% (December 2025, Mercer, ND).
Opportunity index: Mercer, ND
Mercer, ND index 36.1, Mercer, ND phase peak_opportunity; Mercer, ND primary driver vacancy, Mercer, ND second driver construction. Mercer, ND components: property stress 20.8, foreclosure pressure 20.4, listing discounts 35.5, bank stress 62.0, insurance 0.0; Mercer, ND pulse 42.8; Mercer, ND capital opportunity 26.0; Mercer, ND seven-day change -0.5%.
ZIP market phases inside Mercer, ND
10 Mercer, ND ZIPs carry a price-cycle phase; Mercer, ND ZIPs by phase (Mercer, ND), deepest drawdown first: peak, +4.2% YoY, 0.0% off peak (Mercer, ND): 58541, 58580; peak, +4.7% YoY, 0.0% off peak (Mercer, ND): 58545, 58636; peak, +4.8% YoY, 0.0% off peak (Mercer, ND): 58523; peak, +4.9% YoY, 0.0% off peak (Mercer, ND): 58571; expansion, +5.7% YoY, 0.0% off peak (Mercer, ND): 58631; expansion, +5.3% YoY, 0.0% off peak (Mercer, ND): 58638; peak, +4.6% YoY, 0.0% off peak (Mercer, ND): 58625; expansion, +6.6% YoY, 0.0% off peak (Mercer, ND): 58530.
Residential listings by Mercer, ND ZIP
Mercer, ND ZIPs with the most tracked Mercer, ND residential listings: 58523 5 listings, 2 candidates, bank pressure 64; 58545 2 listings, 1 candidates, bank pressure 64; 58541 0 listings, 0 candidates, bank pressure 71; 58571 0 listings, 0 candidates, bank pressure 64 (Mercer, ND); 58580 0 listings, 0 candidates, bank pressure 71. Mercer, ND totals: 7 listings; Mercer, ND candidates 3; active ZIPs 0.
Lenders with branches in Mercer, ND
Mercer, ND lenders by branch count: Union State Bank Of Hazen (Mercer, ND): stress 78, 4 branches low in Mercer, ND; Union Bank (Mercer, ND): stress 64, 3 branches low in Mercer, ND; First Security Bank West (Mercer, ND): stress 70, 1 branch low in Mercer, ND.
Vacancy and permits, Mercer, ND
1,073 of 4,667 Mercer, ND housing units are vacant; Mercer, ND permits, twelve months: 0 multifamily units in Mercer, ND, 1 one-to-four unit units.
Work Mercer, ND at the parcel level
Every Mercer, ND parcel carries owner and address; every Mercer, ND parcel carries APN; Mercer, ND distress scores sit on the Mercer, ND live board.
Mercer, ND figures refresh with each source.
Mercer, ND questions
Most distressed ZIP code in Mercer County, ND?
ZIP 58631 leads Mercer, ND at 19/100; next in Mercer, ND: 58638 at 19/100; the Mercer, ND average is 15/100.
Where does Mercer County, ND rank for investment opportunity?
Mercer, ND is #176 among all ranked counties, #1 in North Dakota; the Mercer, ND driver is vacancy; Mercer, ND moved down 88 places.
How many mortgages are delinquent in Mercer County, ND?
Mercer, ND takes the state reading of 0.6% for December 2025; no CFPB county sample covers Mercer, ND.
Which banks lend in Mercer County, ND?
3 watched lenders hold Mercer, ND branches; the largest Mercer, ND footprints are Union State Bank Of Hazen (4), Union Bank (3), First Security Bank West (1).
More on Mercer, ND
Mercer County, ND distress report: public-record figures for Mercer, ND; not legal advice for Mercer, ND; not tax or investment advice; verify every Mercer, ND record before acting.