Mille Lacs County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Mille Lacs County, Minnesota? DLRadar grades every Mille Lacs County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 17/100. Here is the 2026 Mille Lacs County breakdown.
- Mille Lacs County's most distressed ZIP is 56450 at 17/100.
- 12 ZIP codes tracked in Mille Lacs County, averaging 11/100 distress.
- Mille Lacs County reads peak — home values up 2.4% year over year.
- Vacancy runs 21.6% across Mille Lacs County's tracked ZIPs, with a 9.8% poverty rate.
- The typical Mille Lacs County home is worth about $243,542 against a ~$78,241 median income.
- Lending headwind in Mille Lacs County sits at 55/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 56450 | 17/100 |
| 2 | 56313 | 12/100 |
| 3 | 56353 | 12/100 |
| 4 | 56359 | 12/100 |
| 5 | 56363 | 12/100 |
| 6 | 56386 | 12/100 |
| 7 | 55051 | 10/100 |
| 8 | 55371 | 10/100 |
| 9 | 56342 | 10/100 |
| 10 | 56330 | 9/100 |
| 11 | 56358 | 9/100 |
| 12 | 56357 | 8/100 |
Most distressed ZIP codes in Mille Lacs County (composite distress 0-100, 2026)
What is driving Mille Lacs County distress
DLRadar builds Mille Lacs County's distress picture only from records anyone can pull; its ZIPs average 11/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Mille Lacs County market phase and pricing
DLRadar places Mille Lacs County in peak; prices moved up 2.4% over the year. Longer marketing times follow, and with them the sellers worth calling.
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Questions and answers
Which Mille Lacs County ZIP scores worst for distress?
ZIP 56450 leads Mille Lacs County at 17/100, recomputed monthly from public records.
Which phase does Mille Lacs County sit in right now?
Mille Lacs County reads peak, with home prices up 2.4% year over year. Phase comes from FHFA House Price Index trajectory.
Can the Mille Lacs County figures be verified?
Each Mille Lacs County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 12 local ZIPs and every other county in the country.
How much do distress scores vary between Mille Lacs County ZIP codes?
A county average hides the spread. Across the Mille Lacs County ZIPs DLRadar ranks, scores run from 17/100 in 56450 down to 8/100 in 56357, against a Mille Lacs County average of 11/100. Because the gap runs to 9 points, Mille Lacs County rewards ZIP-level precision.
What do Mille Lacs County home values and vacancy say about distressed supply?
The typical Mille Lacs County home carries about $243,542 of value against a median household income near $78,241. Vacancy across Mille Lacs County's tracked ZIPs runs 21.6% and the poverty rate is 9.8%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Mille Lacs County's foreclosure and tax-lien filings and its 55/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.