Osceola County, IA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Osceola County, Iowa? DLRadar grades every Osceola County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 26/100. Here is the 2026 Osceola County breakdown.
- Osceola County's most distressed ZIP is 51248 at 26/100.
- 8 ZIP codes tracked in Osceola County, averaging 22/100 distress.
- Osceola County reads peak — home values up 2.5% year over year.
- Vacancy runs 9.6% across Osceola County's tracked ZIPs, with a 11.4% poverty rate.
- The typical Osceola County home is worth about $128,300 against a ~$64,988 median income.
- Lending headwind in Osceola County sits at 49/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 51248 | 26/100 |
| 2 | 51346 | 26/100 |
| 3 | 51345 | 23/100 |
| 4 | 51350 | 22/100 |
| 5 | 51232 | 21/100 |
| 6 | 51243 | 21/100 |
| 7 | 51249 | 19/100 |
| 8 | 51354 | 19/100 |
Most distressed ZIP codes in Osceola County (composite distress 0-100, 2026)
What is driving Osceola County distress
DLRadar builds Osceola County's distress picture only from records anyone can pull; its ZIPs average 22/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Osceola County market phase and pricing
The cycle in Osceola County is peak, with values up 2.5% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
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Common questions
What is the hardest-hit ZIP in Osceola County?
ZIP 51248 leads Osceola County at 26/100, recomputed monthly from public records.
Is Osceola County expanding or contracting?
FHFA price-index movement places Osceola County in peak; prices are up 2.5% over twelve months.
What are the sources behind these Osceola County numbers?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 8 Osceola 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 Osceola County ZIP codes?
Averaging the county conceals how uneven it is. Across the Osceola County ZIPs DLRadar ranks, scores run from 26/100 in 51248 down to 19/100 in 51354, against a Osceola County average of 22/100. Because the gap runs to 7 points, Osceola County rewards ZIP-level precision.
What do Osceola County home values and vacancy say about distressed supply?
The typical Osceola County home carries about $128,300 of value against a median household income near $64,988. Vacancy across Osceola County's tracked ZIPs runs 9.6% and the poverty rate is 11.4%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Osceola County's filings and its 49/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.