Scott County, MN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Scott County, Minnesota? DLRadar grades every Scott County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Scott County breakdown.
- Scott County's most distressed ZIP is 55088 at 28/100.
- 10 ZIP codes tracked in Scott County, averaging 22/100 distress.
- Scott County reads peak — home values up 2.4% year over year.
- Vacancy runs 3.9% across Scott County's tracked ZIPs, with a 3.5% poverty rate.
- The typical Scott County home is worth about $432,290 against a ~$125,984 median income.
- Lending headwind in Scott County sits at 68/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 55088 | 28/100 |
| 2 | 56071 | 24/100 |
| 3 | 56011 | 22/100 |
| 4 | 55020 | 21/100 |
| 5 | 55044 | 21/100 |
| 6 | 55054 | 21/100 |
| 7 | 55352 | 21/100 |
| 8 | 55372 | 21/100 |
| 9 | 55378 | 21/100 |
| 10 | 55379 | 21/100 |
Most distressed ZIP codes in Scott County (composite distress 0-100, 2026)
What is driving Scott County distress
Scott County's placement in the national index rests on public filings — a 22/100 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.
Scott County market phase and pricing
Scott 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 Scott County
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Frequently asked
Where is distress highest inside Scott County, MN?
ZIP 55088 leads Scott County at 28/100, recomputed monthly from public records.
Where is Scott County in the housing cycle?
Phase for Scott County: peak, tracking a 2.4% gain year over year, read off the FHFA index.
What is this Scott County analysis built from?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 10 ZIP codes in Scott County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Scott County ZIP codes?
One county number flattens a wide range. Across the Scott County ZIPs DLRadar ranks, scores run from 28/100 in 55088 down to 21/100 in 55379, against a Scott County average of 22/100. Because the gap runs to 7 points, Scott County rewards ZIP-level precision.
What do Scott County home values and vacancy say about distressed supply?
The typical Scott County home carries about $432,290 of value against a median household income near $125,984. Vacancy across Scott County's tracked ZIPs runs 3.9% and the poverty rate is 3.5%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Scott County's foreclosure and lien data and its 68/100 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.