Monona County, IA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Monona County, Iowa? DLRadar grades every Monona County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 30/100. Here is the 2026 Monona County breakdown.
- Monona County's most distressed ZIP is 51056 at 30/100.
- 15 ZIP codes tracked in Monona County, averaging 26/100 distress.
- Monona County reads peak — home values up 2.5% year over year.
- Vacancy runs 10.1% across Monona County's tracked ZIPs, with a 9.8% poverty rate.
- The typical Monona County home is worth about $138,960 against a ~$69,092 median income.
- Lending headwind in Monona County sits at 42/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 51056 | 30/100 |
| 2 | 51026 | 29/100 |
| 3 | 51019 | 28/100 |
| 4 | 51055 | 28/100 |
| 5 | 51010 | 27/100 |
| 6 | 51040 | 27/100 |
| 7 | 51051 | 27/100 |
| 8 | 51063 | 27/100 |
| 9 | 51572 | 27/100 |
| 10 | 51523 | 26/100 |
| 11 | 51558 | 26/100 |
| 12 | 51034 | 25/100 |
Most distressed ZIP codes in Monona County (composite distress 0-100, 2026)
What is driving Monona County distress
Nothing here is estimated: Monona County is scored from filings alone, and its ZIPs average 26/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Monona County market phase and pricing
Monona County currently sits in peak after a 2.5% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
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Frequently asked questions
Where is distress highest inside Monona County, IA?
ZIP 51056 leads Monona County at 30/100, recomputed monthly from public records.
Is Monona County expanding or contracting?
The market phase for Monona County is peak, prices rising 2.5% on the year — derived from the FHFA House Price Index path.
What are the sources behind these Monona County numbers?
Monona 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 15 ZIPs are comparable to anywhere else.
How much do distress scores vary between Monona County ZIP codes?
A single county score papers over real variation. Across the Monona County ZIPs DLRadar ranks, scores run from 30/100 in 51056 down to 25/100 in 51034, against a Monona County average of 26/100. That 5-point gap is why acquisition targeting in Monona County works at ZIP level rather than county level.
What do Monona County home values and vacancy say about distressed supply?
The typical Monona County home carries about $138,960 of value against a median household income near $69,092. Vacancy across Monona County's tracked ZIPs runs 10.1% and the poverty rate is 9.8%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Monona County's foreclosure and tax-lien record and its 42/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.