Monroe County, WI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Monroe County, Wisconsin? DLRadar grades every Monroe County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 23/100. Here is the 2026 Monroe County breakdown.
- Monroe County's most distressed ZIP is 54653 at 23/100.
- 12 ZIP codes tracked in Monroe County, averaging 21/100 distress.
- Monroe County reads expansion — home values up 5.3% year over year.
- Vacancy runs 13.6% across Monroe County's tracked ZIPs, with a 12.9% poverty rate.
- The typical Monroe County home is worth about $211,092 against a ~$66,887 median income.
- Lending headwind in Monroe County sits at 60/100 — a forward read on distressed supply.
Data drawn from the DLRadar distress index, recomputed monthly from public filings. Cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 54653 | 23/100 |
| 2 | 54619 | 22/100 |
| 3 | 54638 | 22/100 |
| 4 | 54648 | 22/100 |
| 5 | 54651 | 22/100 |
| 6 | 54656 | 22/100 |
| 7 | 54660 | 22/100 |
| 8 | 54670 | 22/100 |
| 9 | 54666 | 20/100 |
| 10 | 54615 | 19/100 |
| 11 | 53929 | 17/100 |
| 12 | 54618 | 17/100 |
Most distressed ZIP codes in Monroe County (composite distress 0-100, 2026)
What is driving Monroe County distress
Monroe County's placement in the national index rests on public filings — a 21/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Monroe County market phase and pricing
Monroe County currently sits in expansion after a 5.3% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
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What people ask
Which Monroe County ZIP scores worst for distress?
ZIP 54653 leads Monroe County at 23/100, recomputed monthly from public records.
Is Monroe County expanding or contracting?
Monroe County is classified expansion with a 5.3% year-over-year increase, following the FHFA House Price Index.
Which datasets feed the Monroe County scores?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 12 Monroe County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Monroe County ZIP codes?
A single county score papers over real variation. Across the Monroe County ZIPs DLRadar ranks, scores run from 23/100 in 54653 down to 17/100 in 54618, against a Monroe County average of 21/100. Because the gap runs to 6 points, Monroe County rewards ZIP-level precision.
What do Monroe County home values and vacancy say about distressed supply?
The typical Monroe County home carries about $211,092 of value against a median household income near $66,887. Vacancy across Monroe County's tracked ZIPs runs 13.6% and the poverty rate is 12.9%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Monroe County's filings and its 60/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.