Polk County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Polk County, MN distress report, 2026: 25 ZIPs scored in Polk, MN, Polk, MN average 13/100; the top Polk, MN ZIP is 56517 at 16/100; Polk, MN market phase expansion, Polk, MN prices +7.2% year over year.
- Polk, MN ranks #2,141 nationally (opportunity index); Polk, MN #32 in Minnesota; Polk, MN index 27.2.
- Polk, MN: no CFPB county sample; Polk, MN non-metro area reading 1.0%.
- Polk, MN ZIP phases: 16 expansion, 9 peak.
- Polk, MN residential listings tracked: 4 across 16 ZIPs; Polk, MN candidate listings 3.
- Polk, MN lenders on watch: 6; largest Polk, MN footprint Ultima Bank Minnesota (3 branches).
- Polk, MN most distressed ZIP: 56517 at 16/100.
Polk, MN figures: DLRadar distress index; Polk, MN inputs: CFPB, FHFA, HUD, FDIC; Polk, MN rebuilt as sources refresh.
| Rank | Polk, MN ZIP | Score |
|---|---|---|
| 1 | 56517 | 16/100 |
| 2 | 56523 | 16/100 |
| 3 | 56556 | 16/100 |
| 4 | 56568 | 16/100 |
| 5 | 56646 | 16/100 |
| 6 | 56716 | 16/100 |
| 7 | 56721 | 16/100 |
| 8 | 56722 | 16/100 |
| 9 | 56723 | 16/100 |
| 10 | 56535 | 15/100 |
| 11 | 56542 | 15/100 |
| 12 | 56592 | 15/100 |
Most distressed Polk, MN ZIPs (0-100, 2026)
Mortgage delinquency around Polk, MN
No CFPB county sample covers Polk, MN; the non-metro area reading for Polk, MN: 1.0% ninety-plus; Polk, MN area thirty-to-eighty-nine 2.2% (December 2025, Polk, MN); Minnesota overall 0.6%.
Opportunity index: Polk, MN
Polk, MN index 27.2, Polk, MN phase weak; Polk, MN primary driver vacancy, Polk, MN second driver construction. Polk, MN components: property stress 18.6, foreclosure pressure 16.7, listing discounts 15.3, bank stress 56.5, insurance 0.0; Polk, MN pulse 33.0; Polk, MN capital opportunity 18.5.
ZIP market phases inside Polk, MN
25 Polk, MN ZIPs carry a price-cycle phase; Polk, MN ZIPs by phase (Polk, MN), deepest drawdown first: peak, +4.6% YoY, 0.0% off peak (Polk, MN): 56744; expansion, +7.0% YoY (Polk, MN): 56517, 56568; expansion, +7.2% YoY (Polk, MN): 56523, 56556; expansion, +6.8% YoY (Polk, MN): 56535, 56592; expansion, +6.2% YoY (Polk, MN): 56540; expansion, +6.5% YoY (Polk, MN): 56542; peak, +3.4% YoY (Polk, MN): 56621; peak, +3.6% YoY (Polk, MN): 56644; expansion, +6.9% YoY (Polk, MN): 56646; peak, +4.0% YoY (Polk, MN): 56651; expansion, +5.8% YoY (Polk, MN): 56684; peak, +3.5% YoY (Polk, MN): 56701; peak, +4.1% YoY (Polk, MN): 56710.
Residential listings by Polk, MN ZIP
Polk, MN ZIPs with the most tracked Polk, MN residential listings: 56762 2 listings, 2 candidates, bank pressure 59; 56716 1 listings, 1 candidates, bank pressure 58; 56721 1 listings, 0 candidates, bank pressure 58; 56517 0 listings, 0 candidates, bank pressure 57 (Polk, MN); 56523 0 listings, 0 candidates, bank pressure 58; 56535 0 listings, 0 candidates, bank pressure 58; 56540 0 listings, 0 candidates, bank pressure 57; 56542 0 listings, 0 candidates, bank pressure 59. Polk, MN totals: 4 listings; Polk, MN candidates 3; active ZIPs 1.
Lenders with branches in Polk, MN
Polk, MN lenders by branch count: Ultima Bank Minnesota (Polk, MN): stress 53, 3 branches low in Polk, MN; First Nb Of Bagley (Polk, MN): stress 77, 1 branch low in Polk, MN; American Stb Of Grygla (Polk, MN): stress 65, 1 branch low in Polk, MN; Frandsen Bank&Trust (Polk, MN): stress 48, 1 branch low in Polk, MN; Red River State Bank (Polk, MN): stress 26, 1 branch low in Polk, MN; First Nb Of Mcintosh (Polk, MN): stress 21, 1 branch low in Polk, MN.
Vacancy and permits, Polk, MN
2,337 of 14,697 Polk, MN housing units are vacant; Polk, MN permits, twelve months: 0 multifamily units in Polk, MN, 41 one-to-four unit units.
Work Polk, MN at the parcel level
Every Polk, MN parcel carries owner and address; every Polk, MN parcel carries APN; Polk, MN distress scores sit on the Polk, MN live board.
Polk, MN figures refresh with each source.
Polk, MN questions
Most distressed ZIP code in Polk County, MN?
ZIP 56517 leads Polk, MN at 16/100; next in Polk, MN: 56523 at 16/100; the Polk, MN average is 13/100.
Where does Polk County, MN rank for investment opportunity?
Polk, MN is #2,141 among all ranked counties, #32 in Minnesota; the Polk, MN driver is vacancy; Polk, MN moved down 541 places.
How many mortgages are delinquent in Polk County, MN?
Polk, MN takes the non-metro area reading of 1.0% for December 2025; no CFPB county sample covers Polk, MN.
Which banks lend in Polk County, MN?
6 watched lenders hold Polk, MN branches; the largest Polk, MN footprints are Ultima Bank Minnesota (3), First Nb Of Bagley (1), American Stb Of Grygla (1).
More on Polk, MN
Polk County, MN distress report: public-record figures for Polk, MN; not legal advice for Polk, MN; not tax or investment advice; verify every Polk, MN record before acting.