Rock County, WI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Rock County, WI distress report, 2026: 20 ZIPs scored in Rock, WI, Rock, WI average 26/100; the top Rock, WI ZIP is 53538 at 31/100; Rock, WI market phase peak, Rock, WI prices +4.2% year over year.
- Rock, WI ranks #2,734 nationally (opportunity index); Rock, WI #44 in Wisconsin; Rock, WI index 24.8.
- Rock, WI ninety-day mortgage delinquency 0.8% in December 2025; Rock, WI twelve-month change +0.4%.
- Rock, WI ZIP phases: 13 peak, 4 expansion, 3 neutral.
- Rock, WI residential listings tracked: 17 across 13 ZIPs; Rock, WI candidate listings 6.
- Rock, WI HUD assisted properties: 6 with 357 units.
- Rock, WI lenders on watch: 8; largest Rock, WI footprint Bank First N A (4 branches).
- Rock, WI most distressed ZIP: 53538 at 31/100.
Rock, WI figures: DLRadar distress index; Rock, WI inputs: CFPB, FHFA, HUD, FDIC; Rock, WI rebuilt as sources refresh.
| Rank | Rock, WI ZIP | Score |
|---|---|---|
| 1 | 53538 | 31/100 |
| 2 | 53190 | 27/100 |
| 3 | 53501 | 27/100 |
| 4 | 53505 | 27/100 |
| 5 | 53511 | 27/100 |
| 6 | 53525 | 27/100 |
| 7 | 53534 | 27/100 |
| 8 | 53536 | 27/100 |
| 9 | 53537 | 27/100 |
| 10 | 53545 | 27/100 |
| 11 | 53546 | 27/100 |
| 12 | 53548 | 27/100 |
Most distressed Rock, WI ZIPs (0-100, 2026)
Mortgage delinquency in Rock, WI
0.8% of Rock, WI mortgages were ninety-plus days late (Rock, WI, December 2025); Rock, WI thirty-to-eighty-nine days late: 2.1%; Rock, WI twelve-month change +0.4%; Rock, WI peak since 2008: 3.0% (January 2010); Wisconsin overall 0.5%. Rock, WI ninety-day series: Dec 24 0.4, Jan 25 0.5, Feb 25 0.4 (Rock, WI), Mar 25 0.4, Apr 25 0.5, May 25 0.4 (Rock, WI), Jun 25 0.2, Jul 25 0.2, Aug 25 0.3 (Rock, WI), Sep 25 0.6, Oct 25 0.6, Nov 25 0.7 (Rock, WI), Dec 25 0.8.
Opportunity index: Rock, WI
Rock, WI index 24.8, Rock, WI phase weak; Rock, WI primary driver bank institutional, Rock, WI second driver construction. Rock, WI components: property stress 13.8, foreclosure pressure 10.4, listing discounts 23.5, bank stress 63.1, insurance 0.0; Rock, WI pulse 28.4; Rock, WI capital opportunity 19.5.
ZIP market phases inside Rock, WI
20 Rock, WI ZIPs carry a price-cycle phase; Rock, WI ZIPs by phase (Rock, WI), deepest drawdown first: expansion, +5.0% YoY (Rock, WI): 53114, 53190; peak, +4.2% YoY (Rock, WI): 53501, 53505, 53511, 53536, Rock, WI 53537, 53545, 53546, 53548; neutral, +4.7% YoY (Rock, WI): 53502, 53521; peak, +4.5% YoY (Rock, WI): 53520, 53534; peak, +4.3% YoY (Rock, WI): 53525; expansion, +5.3% YoY (Rock, WI): 53538.
Residential listings by Rock, WI ZIP
Rock, WI ZIPs with the most tracked Rock, WI residential listings: 53511 5 listings, 1 candidates, bank pressure 65; 53501 2 listings, 0 candidates, bank pressure 65; 53534 2 listings, 2 candidates, bank pressure 62; 53545 2 listings, 1 candidates, bank pressure 65 (Rock, WI); 53546 2 listings, 1 candidates, bank pressure 65; 53520 1 listings, 1 candidates, bank pressure 65; 53525 1 listings, 0 candidates, bank pressure 64; 53548 1 listings, 0 candidates, bank pressure 65. Rock, WI totals: 17 listings; Rock, WI candidates 6; active ZIPs 9.
HUD assisted housing in Rock, WI
6 assisted properties with 357 units sit in Rock, WI; largest Rock, WI properties: Hawk's Ridge Apartments (Beloit) 193 units; Burbank Plaza (Janesville) 49 units, 49 assisted; Hamilton Terrace (Janesville) 46 units, 46 assisted in Rock, WI; Olympian Village Ii (Beloit) 29 units, 29 assisted; Green Forest Run I (Janesville) 20 units, 19 assisted; Green Forest Run Ii (Janesville) 20 units, 20 assisted.
Lenders with branches in Rock, WI
Rock, WI lenders by branch count: Bank First N A (Rock, WI): stress 45, 4 branches low in Rock, WI; Bank Of Brodhead (Rock, WI): stress 80, 2 branches low in Rock, WI; Associated Bank Na (Rock, WI): stress 68, 2 branches low in Rock, WI; Lake Ridge Bank (Rock, WI): stress 68, 2 branches low in Rock, WI; Bank Of Milton (Rock, WI): stress 66, 2 branches low in Rock, WI; Town Bank National Assn (Rock, WI): stress 61, 2 branches low in Rock, WI; Johnson Bank (Rock, WI): stress 57, 2 branches low in Rock, WI; Bank Cmg (Rock, WI): stress 75, 1 branch low in Rock, WI.
Vacancy and permits, Rock, WI
3,908 of 71,109 Rock, WI housing units are vacant; Rock, WI permits, twelve months: 36 multifamily units in Rock, WI, 377 one-to-four unit units.
Work Rock, WI at the parcel level
Every Rock, WI parcel carries owner and address; every Rock, WI parcel carries APN; Rock, WI distress scores sit on the Rock, WI live board.
Rock, WI figures refresh with each source.
Rock, WI questions
Most distressed ZIP code in Rock County, WI?
ZIP 53538 leads Rock, WI at 31/100; next in Rock, WI: 53190 at 27/100; the Rock, WI average is 26/100.
Where does Rock County, WI rank for investment opportunity?
Rock, WI is #2,734 among all ranked counties, #44 in Wisconsin; the Rock, WI driver is bank institutional; Rock, WI moved down 107 places.
How many mortgages are delinquent in Rock County, WI?
0.8% of Rock, WI mortgages were ninety-plus days late in December 2025; the Rock, WI peak since 2008 was 3.0%.
Which banks lend in Rock County, WI?
8 watched lenders hold Rock, WI branches; the largest Rock, WI footprints are Bank First N A (4), Bank Of Brodhead (2), Associated Bank Na (2).
More on Rock, WI
Rock County, WI distress report: public-record figures for Rock, WI; not legal advice for Rock, WI; not tax or investment advice; verify every Rock, WI record before acting.