Ramsey County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Ramsey County, Minnesota? DLRadar grades every Ramsey County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Ramsey County breakdown.
- Ramsey County's most distressed ZIP is 55125 at 24/100.
- 27 ZIP codes tracked in Ramsey County, averaging 18/100 distress.
- Ramsey County reads peak — home values up 2.4% year over year.
- Vacancy runs 5.3% across Ramsey County's tracked ZIPs, with a 11.5% poverty rate.
- The typical Ramsey County home is worth about $337,515 against a ~$88,193 median income.
- Lending headwind in Ramsey County sits at 61/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 55125 | 24/100 |
| 2 | 55038 | 23/100 |
| 3 | 55418 | 23/100 |
| 4 | 55118 | 22/100 |
| 5 | 55421 | 21/100 |
| 6 | 55432 | 21/100 |
| 7 | 55449 | 21/100 |
| 8 | 55110 | 18/100 |
| 9 | 55101 | 16/100 |
| 10 | 55102 | 16/100 |
| 11 | 55103 | 16/100 |
| 12 | 55104 | 16/100 |
Most distressed ZIP codes in Ramsey County (composite distress 0-100, 2026)
What is driving Ramsey County distress
DLRadar builds Ramsey County's distress picture only from records anyone can pull; its ZIPs average 18/100: FHFA price data, CFPB delinquency, county foreclosure and tax-lien filings, FEMA/NFIP claims and Census ACS.
Ramsey County market phase and pricing
Ramsey County reads peak — home prices rose 2.4% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Ramsey County
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Common questions
Where is distress highest inside Ramsey County, MN?
ZIP 55125 leads Ramsey County at 24/100, recomputed monthly from public records.
Which phase does Ramsey County sit in right now?
Ramsey County reads peak, with home prices up 2.4% year over year. Phase comes from FHFA House Price Index trajectory.
Where does the Ramsey County data come from?
Every Ramsey County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 27 Ramsey County ZIP codes that it runs on every other U.S. county, so Ramsey County's numbers are directly comparable to any other market.
How much do distress scores vary between Ramsey County ZIP codes?
One county number flattens a wide range. Across the Ramsey County ZIPs DLRadar ranks, scores run from 24/100 in 55125 down to 16/100 in 55104, against a Ramsey County average of 18/100. Because the gap runs to 8 points, Ramsey County rewards ZIP-level precision.
What do Ramsey County home values and vacancy say about distressed supply?
The typical Ramsey County home carries about $337,515 of value against a median household income near $88,193. Vacancy across Ramsey County's tracked ZIPs runs 5.3% and the poverty rate is 11.5%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Ramsey County's foreclosure and tax-lien filings 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.