Rock County, WI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Rock County, Wisconsin? DLRadar grades every Rock County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Rock County breakdown.
- Rock County's most distressed ZIP is 53538 at 28/100.
- 20 ZIP codes tracked in Rock County, averaging 24/100 distress.
- Rock County reads peak — home values up 4.2% year over year.
- Vacancy runs 5.8% across Rock County's tracked ZIPs, with a 10.1% poverty rate.
- The typical Rock County home is worth about $255,247 against a ~$75,492 median income.
- Lending headwind in Rock County sits at 74/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 53538 | 28/100 |
| 2 | 53190 | 25/100 |
| 3 | 53501 | 25/100 |
| 4 | 53505 | 25/100 |
| 5 | 53511 | 25/100 |
| 6 | 53525 | 25/100 |
| 7 | 53536 | 25/100 |
| 8 | 53537 | 25/100 |
| 9 | 53545 | 25/100 |
| 10 | 53546 | 25/100 |
| 11 | 53548 | 25/100 |
| 12 | 53563 | 25/100 |
Most distressed ZIP codes in Rock County (composite distress 0-100, 2026)
What is driving Rock County distress
Rock County's placement in the national index rests on public filings — a 24/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Rock County market phase and pricing
DLRadar places Rock County in peak; prices moved up 4.2% over the year. Longer marketing times follow, and with them the sellers worth calling.
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Questions about this county
Which Rock County ZIP scores worst for distress?
ZIP 53538 leads Rock County at 28/100, recomputed monthly from public records.
How would you describe the Rock County market phase?
Phase for Rock County: peak, tracking a 4.2% gain year over year, read off the FHFA index.
Can the Rock County figures be verified?
Every Rock 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 20 Rock County ZIP codes that it runs on every other U.S. county, so Rock County's numbers are directly comparable to any other market.
How much do distress scores vary between Rock County ZIP codes?
One county number flattens a wide range. Across the Rock County ZIPs DLRadar ranks, scores run from 28/100 in 53538 down to 25/100 in 53563, against a Rock County average of 24/100. That 3-point gap is why acquisition targeting in Rock County works at ZIP level rather than county level.
What do Rock County home values and vacancy say about distressed supply?
The typical Rock County home carries about $255,247 of value against a median household income near $75,492. Vacancy across Rock County's tracked ZIPs runs 5.8% and the poverty rate is 10.1%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Rock County's foreclosure and tax-lien record and its 74/100 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.