Polk County, WI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Polk County, WI distress report, 2026: 20 ZIPs scored in Polk, WI, Polk, WI average 17/100; the top Polk, WI ZIP is 54001 at 19/100; Polk, WI market phase peak, Polk, WI prices +4.6% year over year.
- Polk, WI ranks #2,141 nationally (opportunity index); Polk, WI #26 in Wisconsin; Polk, WI index 27.2.
- Polk, WI: no CFPB county sample; Polk, WI non-metro area reading 0.5%.
- Polk, WI ZIP phases: 18 peak, 2 expansion.
- Polk, WI residential listings tracked: 11 across 14 ZIPs; Polk, WI candidate listings 6.
- Polk, WI HUD assisted properties: 4 with 54 units.
- Polk, WI lenders on watch: 7; largest Polk, WI footprint Pillar Bank (3 branches).
- Polk, WI most distressed ZIP: 54001 at 19/100.
Polk, WI figures: DLRadar distress index; Polk, WI inputs: CFPB, FHFA, HUD, FDIC; Polk, WI rebuilt as sources refresh.
| Rank | Polk, WI ZIP | Score |
|---|---|---|
| 1 | 54001 | 19/100 |
| 2 | 54006 | 19/100 |
| 3 | 54009 | 19/100 |
| 4 | 54020 | 19/100 |
| 5 | 54024 | 19/100 |
| 6 | 54810 | 19/100 |
| 7 | 54824 | 19/100 |
| 8 | 54853 | 19/100 |
| 9 | 54858 | 19/100 |
| 10 | 54837 | 18/100 |
| 11 | 54005 | 17/100 |
| 12 | 54026 | 17/100 |
Most distressed Polk, WI ZIPs (0-100, 2026)
Mortgage delinquency around Polk, WI
No CFPB county sample covers Polk, WI; the non-metro area reading for Polk, WI: 0.5% ninety-plus; Polk, WI area thirty-to-eighty-nine 1.3% (December 2025, Polk, WI); Wisconsin overall 0.5%.
Opportunity index: Polk, WI
Polk, WI index 27.2, Polk, WI phase weak; Polk, WI primary driver vacancy, Polk, WI second driver bank institutional. Polk, WI components: property stress 18.3, foreclosure pressure 17.8, listing discounts 13.9, bank stress 60.5, insurance 0.0; Polk, WI pulse 34.0; Polk, WI capital opportunity 17.1.
ZIP market phases inside Polk, WI
20 Polk, WI ZIPs carry a price-cycle phase; Polk, WI ZIPs by phase (Polk, WI), deepest drawdown first: peak, +4.6% YoY (Polk, WI): 54001, 54006, 54009, 54020, Polk, WI 54024, 54810, 54824, 54837, Polk, WI 54840; expansion, +5.1% YoY (Polk, WI): 54004, 54829; peak, +4.3% YoY (Polk, WI): 54005; peak, +2.9% YoY (Polk, WI): 54007; peak, +2.5% YoY (Polk, WI): 54017; peak, +4.1% YoY (Polk, WI): 54026; peak, +4.9% YoY (Polk, WI): 54826.
Residential listings by Polk, WI ZIP
Polk, WI ZIPs with the most tracked Polk, WI residential listings: 54020 3 listings, 3 candidates, bank pressure 64; 54858 2 listings, 1 candidates, bank pressure 61; 54889 2 listings, 2 candidates, bank pressure 61; 54001 1 listings, 0 candidates, bank pressure 61 (Polk, WI); 54024 1 listings, 0 candidates, bank pressure 61; 54810 1 listings, 0 candidates, bank pressure 61; 54837 1 listings, 0 candidates, bank pressure 61; 54005 0 listings, 0 candidates, bank pressure 63. Polk, WI totals: 11 listings; Polk, WI candidates 6; active ZIPs 3.
HUD assisted housing in Polk, WI
4 assisted properties with 54 units sit in Polk, WI; largest Polk, WI properties: Forest Heights Apartments (Saint Croix Falls) 30 units, 29 assisted; Albert Skinner Villa (Balsam Lake) 8 units, 7 assisted; Apple River Apartments (Amery) 8 units, 8 assisted in Polk, WI; Jacqueline Lawrence Villa (Centuria) 8 units, 8 assisted.
Lenders with branches in Polk, WI
Polk, WI lenders by branch count: Pillar Bank (Polk, WI): stress 79, 3 branches low in Polk, WI; Nicolet National Bank (Polk, WI): stress 50, 2 branches low in Polk, WI; First National Cmty Bank (Polk, WI): stress 72, 1 branch low in Polk, WI; Hiawatha National Bank (Polk, WI): stress 69, 1 branch low in Polk, WI; Dairy State Bank (Polk, WI): stress 65, 1 branch low in Polk, WI; Sterling Bank (Polk, WI): stress 60, 1 branch low in Polk, WI; Citizens Stb Of La Crosse (Polk, WI): stress 28, 1 branch low in Polk, WI.
Vacancy and permits, Polk, WI
5,016 of 24,558 Polk, WI housing units are vacant; Polk, WI permits, twelve months: 0 multifamily units in Polk, WI, 217 one-to-four unit units.
Work Polk, WI at the parcel level
Every Polk, WI parcel carries owner and address; every Polk, WI parcel carries APN; Polk, WI distress scores sit on the Polk, WI live board.
Polk, WI figures refresh with each source.
Polk, WI questions
Most distressed ZIP code in Polk County, WI?
ZIP 54001 leads Polk, WI at 19/100; next in Polk, WI: 54006 at 19/100; the Polk, WI average is 17/100.
Where does Polk County, WI rank for investment opportunity?
Polk, WI is #2,141 among all ranked counties, #26 in Wisconsin; the Polk, WI driver is vacancy; Polk, WI moved down 793 places.
How many mortgages are delinquent in Polk County, WI?
Polk, WI takes the non-metro area reading of 0.5% for December 2025; no CFPB county sample covers Polk, WI.
Which banks lend in Polk County, WI?
7 watched lenders hold Polk, WI branches; the largest Polk, WI footprints are Pillar Bank (3), Nicolet National Bank (2), First National Cmty Bank (1).
More on Polk, WI
Polk County, WI distress report: public-record figures for Polk, WI; not legal advice for Polk, WI; not tax or investment advice; verify every Polk, WI record before acting.