O'Brien County, IA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in O'Brien County, Iowa? DLRadar grades every O'Brien County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 26/100. Here is the 2026 O'Brien County breakdown.
- O'Brien County's most distressed ZIP is 51009 at 26/100.
- 14 ZIP codes tracked in O'Brien County, averaging 23/100 distress.
- O'Brien County reads peak — home values up 2.5% year over year.
- Vacancy runs 9.6% across O'Brien County's tracked ZIPs, with a 13% poverty rate.
- The typical O'Brien County home is worth about $147,508 against a ~$73,636 median income.
- Lending headwind in O'Brien County sits at 28/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 51009 | 26/100 |
| 2 | 51046 | 26/100 |
| 3 | 51058 | 26/100 |
| 4 | 51231 | 26/100 |
| 5 | 51245 | 26/100 |
| 6 | 51248 | 26/100 |
| 7 | 51346 | 26/100 |
| 8 | 51047 | 22/100 |
| 9 | 51350 | 22/100 |
| 10 | 51232 | 21/100 |
| 11 | 51022 | 19/100 |
| 12 | 51238 | 19/100 |
Most distressed ZIP codes in O'Brien County (composite distress 0-100, 2026)
What is driving O'Brien County distress
O'Brien County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 23/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
O'Brien County market phase and pricing
The cycle in O'Brien County is peak, with values up 2.5% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in O'Brien County
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Common questions
Which part of O'Brien County, IA scores highest for distress?
ZIP 51009 leads O'Brien County at 26/100, recomputed monthly from public records.
What stage of the price cycle is O'Brien County at?
Phase for O'Brien County: peak, tracking a 2.5% gain year over year, read off the FHFA index.
What is this O'Brien County analysis built from?
O'Brien 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 14 ZIPs are comparable to anywhere else.
How much do distress scores vary between O'Brien County ZIP codes?
The county figure is a blend, not a description. Across the O'Brien County ZIPs DLRadar ranks, scores run from 26/100 in 51009 down to 19/100 in 51238, against a O'Brien County average of 23/100. With 7 points between best and worst, county-level targeting in O'Brien County wastes effort.
What do O'Brien County home values and vacancy say about distressed supply?
The typical O'Brien County home carries about $147,508 of value against a median household income near $73,636. Vacancy across O'Brien County's tracked ZIPs runs 9.6% and the poverty rate is 13%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside O'Brien County's foreclosure and lien data and its 28/100 lending headwind.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.