Otter Tail County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Otter Tail County, Minnesota? DLRadar grades every Otter Tail County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 19/100. Here is the 2026 Otter Tail County breakdown.
- Otter Tail County's most distressed ZIP is 56324 at 19/100.
- 34 ZIP codes tracked in Otter Tail County, averaging 16/100 distress.
- Otter Tail County reads peak — home values up 2.7% year over year.
- Vacancy runs 26.9% across Otter Tail County's tracked ZIPs, with a 8.8% poverty rate.
- The typical Otter Tail County home is worth about $250,994 against a ~$69,903 median income.
- Lending headwind in Otter Tail County sits at 61/100 — 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 | 56324 | 19/100 |
| 2 | 56361 | 19/100 |
| 3 | 56515 | 19/100 |
| 4 | 56518 | 19/100 |
| 5 | 56524 | 19/100 |
| 6 | 56527 | 19/100 |
| 7 | 56528 | 19/100 |
| 8 | 56533 | 19/100 |
| 9 | 56534 | 19/100 |
| 10 | 56537 | 19/100 |
| 11 | 56551 | 19/100 |
| 12 | 56567 | 19/100 |
Most distressed ZIP codes in Otter Tail County (composite distress 0-100, 2026)
What is driving Otter Tail County distress
Nothing here is estimated: Otter Tail County is scored from filings alone, and its ZIPs average 16/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Otter Tail County market phase and pricing
Otter Tail County reads peak — home prices rose 2.7% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Otter Tail County
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Common questions
Which Otter Tail County ZIP scores worst for distress?
ZIP 56324 leads Otter Tail County at 19/100, recomputed monthly from public records.
Is Otter Tail County expanding or contracting?
Otter Tail County reads peak, with home prices up 2.7% year over year. Phase comes from FHFA House Price Index trajectory.
What is this Otter Tail County analysis built from?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 34 ZIP codes in Otter Tail County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Otter Tail County ZIP codes?
One county number flattens a wide range. Across the Otter Tail County ZIPs DLRadar ranks, scores run from 19/100 in 56324 down to 19/100 in 56567, against a Otter Tail County average of 16/100. Because the gap runs to 0 points, Otter Tail County rewards ZIP-level precision.
What do Otter Tail County home values and vacancy say about distressed supply?
The typical Otter Tail County home carries about $250,994 of value against a median household income near $69,903. Vacancy across Otter Tail County's tracked ZIPs runs 26.9% and the poverty rate is 8.8%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Otter Tail County's foreclosure and lien data and its 61/100 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.