Ramsey County, ND Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Ramsey County, North Dakota? DLRadar grades every Ramsey County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 5/100. Here is the 2026 Ramsey County breakdown.
- Ramsey County's most distressed ZIP is 58321 at 5/100.
- 12 ZIP codes tracked in Ramsey County, averaging 4/100 distress.
- Ramsey County reads peak — home values up 4.2% year over year.
- Vacancy runs 20.5% across Ramsey County's tracked ZIPs, with a 7.5% poverty rate.
- The typical Ramsey County home is worth about $164,475 against a ~$61,184 median income.
- Lending headwind in Ramsey County sits at 54/100 — a forward read on distressed supply.
Data drawn from the DLRadar distress index, recomputed monthly from public filings. Cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 58321 | 5/100 |
| 2 | 58344 | 5/100 |
| 3 | 58345 | 5/100 |
| 4 | 58229 | 4/100 |
| 5 | 58301 | 4/100 |
| 6 | 58325 | 4/100 |
| 7 | 58327 | 4/100 |
| 8 | 58330 | 4/100 |
| 9 | 58362 | 4/100 |
| 10 | 58382 | 4/100 |
| 11 | 58338 | 3/100 |
| 12 | 58377 | 3/100 |
Most distressed ZIP codes in Ramsey County (composite distress 0-100, 2026)
What is driving Ramsey County distress
Ramsey County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 4/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Ramsey County market phase and pricing
Ramsey County reads peak — home prices rose 4.2% 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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Frequently asked questions
Which ZIP code leads Ramsey County on distress?
ZIP 58321 leads Ramsey County at 5/100, recomputed monthly from public records.
Is Ramsey County expanding or contracting?
Ramsey County reads peak, with home prices up 4.2% year over year. Phase comes from FHFA House Price Index trajectory.
What are the sources behind these Ramsey County numbers?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 12 Ramsey County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Ramsey County ZIP codes?
A county average hides the spread. Across the Ramsey County ZIPs DLRadar ranks, scores run from 5/100 in 58321 down to 3/100 in 58377, against a Ramsey County average of 4/100. With 2 points between best and worst, county-level targeting in Ramsey County wastes effort.
What do Ramsey County home values and vacancy say about distressed supply?
The typical Ramsey County home carries about $164,475 of value against a median household income near $61,184. Vacancy across Ramsey County's tracked ZIPs runs 20.5% and the poverty rate is 7.5%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Ramsey County's foreclosure and tax-lien record and its 54/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.