St. Croix County, WI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in St. Croix County, Wisconsin? DLRadar grades every St. Croix County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 20/100. Here is the 2026 St. Croix County breakdown.
- St. Croix County's most distressed ZIP is 54020 at 20/100.
- 18 ZIP codes tracked in St. Croix County, averaging 15/100 distress.
- St. Croix County reads peak — home values up 2.4% year over year.
- Vacancy runs 6.5% across St. Croix County's tracked ZIPs, with a 7.2% poverty rate.
- The typical St. Croix County home is worth about $325,550 against a ~$97,834 median income.
- Lending headwind in St. Croix County sits at 68/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 54020 | 20/100 |
| 2 | 54026 | 18/100 |
| 3 | 54005 | 17/100 |
| 4 | 54734 | 16/100 |
| 5 | 54767 | 16/100 |
| 6 | 54022 | 15/100 |
| 7 | 54749 | 15/100 |
| 8 | 54007 | 14/100 |
| 9 | 54002 | 13/100 |
| 10 | 54013 | 13/100 |
| 11 | 54015 | 13/100 |
| 12 | 54016 | 13/100 |
Most distressed ZIP codes in St. Croix County (composite distress 0-100, 2026)
What is driving St. Croix County distress
Nothing here is estimated: St. Croix County is scored from filings alone, and its ZIPs average 15/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
St. Croix County market phase and pricing
The cycle in St. Croix County is peak, with values up 2.4% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in St. Croix County
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Frequently asked
What is the hardest-hit ZIP in St. Croix County?
ZIP 54020 leads St. Croix County at 20/100, recomputed monthly from public records.
Which phase does St. Croix County sit in right now?
FHFA price-index movement places St. Croix County in peak; prices are up 2.4% over twelve months.
What is this St. Croix 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 18 ZIP codes in St. Croix County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between St. Croix County ZIP codes?
County-level numbers smooth away the detail that matters. Across the St. Croix County ZIPs DLRadar ranks, scores run from 20/100 in 54020 down to 13/100 in 54016, against a St. Croix County average of 15/100. Those 7 points separate the ZIPs worth working in St. Croix County from the rest.
What do St. Croix County home values and vacancy say about distressed supply?
The typical St. Croix County home carries about $325,550 of value against a median household income near $97,834. Vacancy across St. Croix County's tracked ZIPs runs 6.5% and the poverty rate is 7.2%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to St. Croix County's foreclosure and lien filings 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.