Ramsey County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Ramsey County, MN distress report, 2026: 27 ZIPs scored in Ramsey, MN, Ramsey, MN average 18/100; the top Ramsey, MN ZIP is 55418 at 24/100; Ramsey, MN market phase peak, Ramsey, MN prices +2.4% year over year.
- Ramsey, MN ranks #3,203 nationally (opportunity index); Ramsey, MN #83 in Minnesota; Ramsey, MN index 19.7.
- Ramsey, MN ninety-day mortgage delinquency 0.4% in December 2025; Ramsey, MN twelve-month change -0.1%.
- Ramsey, MN ZIP phases: 27 peak.
- Ramsey, MN residential listings tracked: 175 across 20 ZIPs; Ramsey, MN candidate listings 67.
- Ramsey, MN HUD assisted properties: 85 with 8,601 units.
- Ramsey, MN lenders on watch: 8; largest Ramsey, MN footprint Bankcherokee (3 branches).
- Ramsey, MN most distressed ZIP: 55418 at 24/100.
Ramsey, MN figures: DLRadar distress index; Ramsey, MN inputs: CFPB, FHFA, HUD, FDIC; Ramsey, MN rebuilt as sources refresh.
| Rank | Ramsey, MN ZIP | Score |
|---|---|---|
| 1 | 55418 | 24/100 |
| 2 | 55038 | 23/100 |
| 3 | 55125 | 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 Ramsey, MN ZIPs (0-100, 2026)
Mortgage delinquency in Ramsey, MN
0.4% of Ramsey, MN mortgages were ninety-plus days late (Ramsey, MN, December 2025); Ramsey, MN thirty-to-eighty-nine days late: 1.5%; Ramsey, MN twelve-month change -0.1%; Ramsey, MN peak since 2008: 3.7% (November 2009); Minnesota overall 0.6%. Ramsey, MN ninety-day series: Dec 24 0.5, Jan 25 0.4, Feb 25 0.4 (Ramsey, MN), Mar 25 0.6, Apr 25 0.4, May 25 0.5 (Ramsey, MN), Jun 25 0.5, Jul 25 0.5, Aug 25 0.4 (Ramsey, MN), Sep 25 0.4, Oct 25 0.4, Nov 25 0.3 (Ramsey, MN), Dec 25 0.4.
Opportunity index: Ramsey, MN
Ramsey, MN index 19.7, Ramsey, MN phase weak; Ramsey, MN primary driver bank institutional, Ramsey, MN second driver vacancy. Ramsey, MN components: property stress 5.0, foreclosure pressure 4.2, listing discounts 22.9, bank stress 59.7, insurance 0.0; Ramsey, MN pulse 20.5; Ramsey, MN capital opportunity 18.4; Ramsey, MN seven-day change +0.2%.
ZIP market phases inside Ramsey, MN
27 Ramsey, MN ZIPs carry a price-cycle phase; Ramsey, MN ZIPs by phase (Ramsey, MN), deepest drawdown first: peak, +2.4% YoY (Ramsey, MN): 55038, 55101, 55102, 55103, Ramsey, MN 55104, 55105, 55106, 55107, Ramsey, MN 55108, 55109, 55110, 55112, Ramsey, MN 55113, 55114, 55116, 55117.
Residential listings by Ramsey, MN ZIP
Ramsey, MN ZIPs with the most tracked Ramsey, MN residential listings: 55106 26 listings, 9 candidates, bank pressure 67; 55117 21 listings, 9 candidates, bank pressure 67; 55119 17 listings, 8 candidates, bank pressure 67; 55104 16 listings, 6 candidates, bank pressure 67 (Ramsey, MN); 55102 11 listings, 6 candidates, bank pressure 67; 55103 11 listings, 2 candidates, bank pressure 67; 55110 11 listings, 5 candidates, bank pressure 66; 55109 10 listings, 2 candidates, bank pressure 67. Ramsey, MN totals: 175 listings; Ramsey, MN candidates 67; active ZIPs 19.
HUD assisted housing in Ramsey, MN
85 assisted properties with 8,601 units sit in Ramsey, MN; largest Ramsey, MN properties: Skyline Towers (Saint Paul) 504 units, 448 assisted; River Crossing (Saint Paul) 325 units; Mears Park Place (Saint Paul) 298 units, 50 assisted in Ramsey, MN; Twv/Scattered Sites (Saint Paul) 289 units; Afton View Apartments (Saint Paul) 286 units, 268 assisted; The Landings At Silver Lake Village (Saint Anthony) 263 units.
Lenders with branches in Ramsey, MN
Ramsey, MN lenders by branch count: Bankcherokee (Ramsey, MN): stress 85, 3 branches low in Ramsey, MN; Premier Bank (Ramsey, MN): stress 53, 3 branches low in Ramsey, MN; Highland Bank (Ramsey, MN): stress 99, 2 branches low in Ramsey, MN; North Star Bank (Ramsey, MN): stress 65, 2 branches low in Ramsey, MN; North American Banking Co (Ramsey, MN): stress 59, 2 branches low in Ramsey, MN; Security Bank&Trust Co (Ramsey, MN): stress 54, 2 branches low in Ramsey, MN; Drake Bank (Ramsey, MN): stress 100, 1 branch low in Ramsey, MN; Tradition Capital Bank (Ramsey, MN): stress 78, 1 branch low in Ramsey, MN.
Vacancy and permits, Ramsey, MN
12,543 of 233,870 Ramsey, MN housing units are vacant; Ramsey, MN permits, twelve months: 927 multifamily units in Ramsey, MN, 273 one-to-four unit units.
Work Ramsey, MN at the parcel level
Every Ramsey, MN parcel carries owner and address; every Ramsey, MN parcel carries APN; Ramsey, MN distress scores sit on the Ramsey, MN live board.
Ramsey, MN figures refresh with each source.
Ramsey, MN questions
Most distressed ZIP code in Ramsey County, MN?
ZIP 55418 leads Ramsey, MN at 24/100; next in Ramsey, MN: 55038 at 23/100; the Ramsey, MN average is 18/100.
Where does Ramsey County, MN rank for investment opportunity?
Ramsey, MN is #3,203 among all ranked counties, #83 in Minnesota; the Ramsey, MN driver is bank institutional; Ramsey, MN moved down 7 places.
How many mortgages are delinquent in Ramsey County, MN?
0.4% of Ramsey, MN mortgages were ninety-plus days late in December 2025; the Ramsey, MN peak since 2008 was 3.7%.
Which banks lend in Ramsey County, MN?
8 watched lenders hold Ramsey, MN branches; the largest Ramsey, MN footprints are Bankcherokee (3), Premier Bank (3), Highland Bank (2).
More on Ramsey, MN
Ramsey County, MN distress report: public-record figures for Ramsey, MN; not legal advice for Ramsey, MN; not tax or investment advice; verify every Ramsey, MN record before acting.