Polk County, IA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Polk County, IA distress report, 2026: 42 ZIPs scored in Polk, IA, Polk, IA average 30/100; the top Polk, IA ZIP is 50007 at 33/100; Polk, IA market phase peak, Polk, IA prices +2.1% year over year.
- Polk, IA ranks #1,280 nationally (opportunity index); Polk, IA #13 in Iowa; Polk, IA index 30.2.
- Polk, IA ninety-day mortgage delinquency 1.0% in December 2025; Polk, IA twelve-month change +0.3%.
- Polk, IA ZIP phases: 36 peak, 6 neutral.
- Polk, IA residential listings tracked: 376 across 33 ZIPs; Polk, IA candidate listings 67.
- Polk, IA HUD assisted properties: 43 with 3,800 units.
- Polk, IA lenders on watch: 8; largest Polk, IA footprint Bankers Trust Co (12 branches).
- Polk, IA most distressed ZIP: 50007 at 33/100.
Polk, IA figures: DLRadar distress index; Polk, IA inputs: CFPB, FHFA, HUD, FDIC; Polk, IA rebuilt as sources refresh.
| Rank | Polk, IA ZIP | Score |
|---|---|---|
| 1 | 50007 | 33/100 |
| 2 | 50009 | 33/100 |
| 3 | 50021 | 33/100 |
| 4 | 50023 | 33/100 |
| 5 | 50032 | 33/100 |
| 6 | 50035 | 33/100 |
| 7 | 50073 | 33/100 |
| 8 | 50131 | 33/100 |
| 9 | 50226 | 33/100 |
| 10 | 50309 | 33/100 |
| 11 | 50310 | 33/100 |
| 12 | 50311 | 33/100 |
Most distressed Polk, IA ZIPs (0-100, 2026)
Mortgage delinquency in Polk, IA
1.0% of Polk, IA mortgages were ninety-plus days late (Polk, IA, December 2025); Polk, IA thirty-to-eighty-nine days late: 2.1%; Polk, IA twelve-month change +0.3%; Polk, IA peak since 2008: 3.2% (June 2010); Iowa overall 0.9%. Polk, IA ninety-day series: Dec 24 0.7, Jan 25 0.7, Feb 25 0.6 (Polk, IA), Mar 25 0.7, Apr 25 0.7, May 25 0.7 (Polk, IA), Jun 25 0.8, Jul 25 0.6, Aug 25 0.7 (Polk, IA), Sep 25 0.8, Oct 25 0.8, Nov 25 0.8 (Polk, IA), Dec 25 1.0.
Opportunity index: Polk, IA
Polk, IA index 30.2, Polk, IA phase watchlist; Polk, IA primary driver construction, Polk, IA second driver bank institutional. Polk, IA components: property stress 13.9, foreclosure pressure 13.1, listing discounts 40.7, bank stress 59.9, insurance 0.0; Polk, IA pulse 32.1; Polk, IA capital opportunity 27.4; Polk, IA seven-day change +0.8%.
ZIP market phases inside Polk, IA
42 Polk, IA ZIPs carry a price-cycle phase; Polk, IA ZIPs by phase (Polk, IA), deepest drawdown first: peak, +2.1% YoY (Polk, IA): 50007, 50009, 50021, 50023, Polk, IA 50032, 50035, 50047, 50061, Polk, IA 50073, 50109, 50111, 50131; neutral, +3.9% YoY (Polk, IA): 50046, 50124; neutral, +4.0% YoY (Polk, IA): 50156; neutral, +3.1% YoY (Polk, IA): 50161.
Residential listings by Polk, IA ZIP
Polk, IA ZIPs with the most tracked Polk, IA residential listings: 50023 57 listings, 12 candidates, bank pressure 64; 50322 48 listings, 4 candidates, bank pressure 64; 50021 47 listings, 7 candidates, bank pressure 64; 50265 36 listings, 6 candidates, bank pressure 65 (Polk, IA); 50315 32 listings, 6 candidates, bank pressure 64; 50310 29 listings, 5 candidates, bank pressure 64; 50317 21 listings, 5 candidates, bank pressure 64; 50313 13 listings, 4 candidates, bank pressure 64. Polk, IA totals: 376 listings; Polk, IA candidates 67; active ZIPs 23.
HUD assisted housing in Polk, IA
43 assisted properties with 3,800 units sit in Polk, IA; largest Polk, IA properties: The Fountains Apartments (West Des Moines) 204 units; Southridge Senior Residences (Des Moines) 197 units, 141 assisted; Bennett Grand Woods Apartments (West Des Moines) 176 units in Polk, IA; Delaware Crossing (Ankeny) 152 units; Elsie Mason Manor (Des Moines) 150 units, 150 assisted; Oakridge Neighborhood (Dmacc) (Des Moines) 150 units, 150 assisted.
Lenders with branches in Polk, IA
Polk, IA lenders by branch count: Bankers Trust Co (Polk, IA): stress 71, 12 branches low in Polk, IA; Community State Bank (Polk, IA): stress 58, 9 branches low in Polk, IA; Midwest Heritage Bank Fsb (Polk, IA): stress 48, 6 branches low in Polk, IA; Central Bank (Polk, IA): stress 70, 5 branches low in Polk, IA; West Bank (Polk, IA): stress 69, 5 branches low in Polk, IA; Visionbank Of Iowa (Polk, IA): stress 59, 5 branches low in Polk, IA; Iowa State Bank (Polk, IA): stress 39, 5 branches low in Polk, IA; Lincoln Savings Bank (Polk, IA): stress 90, 3 branches elevated in Polk, IA.
Vacancy and permits, Polk, IA
13,128 of 218,486 Polk, IA housing units are vacant; Polk, IA permits, twelve months: 1,165 multifamily units in Polk, IA, 2,363 one-to-four unit units.
Work Polk, IA at the parcel level
Every Polk, IA parcel carries owner and address; every Polk, IA parcel carries APN; Polk, IA distress scores sit on the Polk, IA live board.
Polk, IA figures refresh with each source.
Polk, IA questions
Most distressed ZIP code in Polk County, IA?
ZIP 50007 leads Polk, IA at 33/100; next in Polk, IA: 50009 at 33/100; the Polk, IA average is 30/100.
Where does Polk County, IA rank for investment opportunity?
Polk, IA is #1,280 among all ranked counties, #13 in Iowa; the Polk, IA driver is construction; Polk, IA moved up 572 places.
How many mortgages are delinquent in Polk County, IA?
1.0% of Polk, IA mortgages were ninety-plus days late in December 2025; the Polk, IA peak since 2008 was 3.2%.
Which banks lend in Polk County, IA?
8 watched lenders hold Polk, IA branches; the largest Polk, IA footprints are Bankers Trust Co (12), Community State Bank (9), Midwest Heritage Bank Fsb (6).
More on Polk, IA
Polk County, IA distress report: public-record figures for Polk, IA; not legal advice for Polk, IA; not tax or investment advice; verify every Polk, IA record before acting.