Polk County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Polk County, Minnesota? DLRadar grades every Polk County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 15/100. Here is the 2026 Polk County breakdown.
- Polk County's most distressed ZIP is 56517 at 15/100.
- 25 ZIP codes tracked in Polk County, averaging 12/100 distress.
- Polk County reads expansion — home values up 7.2% year over year.
- Vacancy runs 19.5% across Polk County's tracked ZIPs, with a 11.4% poverty rate.
- The typical Polk County home is worth about $186,752 against a ~$70,513 median income.
- Lending headwind in Polk County sits at 42/100 — a forward read on distressed supply.
All numbers: DLRadar's monthly public-record distress index. Reuse is welcome with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 56517 | 15/100 |
| 2 | 56523 | 15/100 |
| 3 | 56556 | 15/100 |
| 4 | 56568 | 15/100 |
| 5 | 56716 | 15/100 |
| 6 | 56721 | 15/100 |
| 7 | 56722 | 15/100 |
| 8 | 56723 | 15/100 |
| 9 | 56535 | 14/100 |
| 10 | 56592 | 14/100 |
| 11 | 56646 | 14/100 |
| 12 | 56736 | 14/100 |
Most distressed ZIP codes in Polk County (composite distress 0-100, 2026)
What is driving Polk County distress
Nothing here is estimated: Polk County is scored from filings alone, and its ZIPs average 12/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Polk County market phase and pricing
DLRadar places Polk County in expansion; prices moved up 7.2% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Polk County
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Frequently asked questions
What is the most distressed ZIP code in Polk County, MN?
ZIP 56517 leads Polk County at 15/100, recomputed monthly from public records.
What stage of the price cycle is Polk County at?
Polk County reads expansion, with home prices up 7.2% year over year. Phase comes from FHFA House Price Index trajectory.
Can the Polk County figures be verified?
Each Polk County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 25 local ZIPs and every other county in the country.
How much do distress scores vary between Polk County ZIP codes?
Averaging the county conceals how uneven it is. Across the Polk County ZIPs DLRadar ranks, scores run from 15/100 in 56517 down to 14/100 in 56736, against a Polk County average of 12/100. That 1-point gap is why acquisition targeting in Polk County works at ZIP level rather than county level.
What do Polk County home values and vacancy say about distressed supply?
The typical Polk County home carries about $186,752 of value against a median household income near $70,513. Vacancy across Polk County's tracked ZIPs runs 19.5% 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 Polk County's filings and its 42/100 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.