St. Croix County, WI Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
St. Croix County, WI distress report, 2026: 18 ZIPs scored in St. Croix, WI, St. Croix, WI average 14/100; the top St. Croix, WI ZIP is 54020 at 19/100; St. Croix, WI market phase peak, St. Croix, WI prices +2.4% year over year.
- St. Croix, WI ranks #3,178 nationally (opportunity index); St. Croix, WI #69 in Wisconsin; St. Croix, WI index 20.7.
- St. Croix, WI: no CFPB county sample; St. Croix, WI metro area reading 0.5%.
- St. Croix, WI ZIP phases: 17 peak, 1 expansion.
- St. Croix, WI residential listings tracked: 16 across 11 ZIPs; St. Croix, WI candidate listings 6.
- St. Croix, WI HUD assisted properties: 5 with 137 units.
- St. Croix, WI lenders on watch: 8; largest St. Croix, WI footprint First National Cmty Bank (3 branches).
- St. Croix, WI most distressed ZIP: 54020 at 19/100.
St. Croix, WI figures: DLRadar distress index; St. Croix, WI inputs: CFPB, FHFA, HUD, FDIC; St. Croix, WI rebuilt as sources refresh.
| Rank | St. Croix, WI ZIP | Score |
|---|---|---|
| 1 | 54020 | 19/100 |
| 2 | 54005 | 17/100 |
| 3 | 54026 | 17/100 |
| 4 | 54022 | 15/100 |
| 5 | 54767 | 15/100 |
| 6 | 54007 | 14/100 |
| 7 | 54734 | 14/100 |
| 8 | 54749 | 14/100 |
| 9 | 54002 | 13/100 |
| 10 | 54013 | 13/100 |
| 11 | 54015 | 13/100 |
| 12 | 54016 | 13/100 |
Most distressed St. Croix, WI ZIPs (0-100, 2026)
Mortgage delinquency around St. Croix, WI
No CFPB county sample covers St. Croix, WI; the metro area reading for St. Croix, WI (Minneapolis-St. Paul-Bloomington, MN-WI): 0.5% ninety-plus; St. Croix, WI area thirty-to-eighty-nine 1.4% (December 2025, St. Croix, WI); Wisconsin overall 0.5%.
Opportunity index: St. Croix, WI
St. Croix, WI index 20.7, St. Croix, WI phase weak; St. Croix, WI primary driver bank institutional, St. Croix, WI second driver listings discount. St. Croix, WI components: property stress 3.8, foreclosure pressure 2.7, listing discounts 24.5, bank stress 62.5, insurance 0.0; St. Croix, WI pulse 22.5; St. Croix, WI capital opportunity 18.1; St. Croix, WI seven-day change +0.1%.
ZIP market phases inside St. Croix, WI
18 St. Croix, WI ZIPs carry a price-cycle phase; St. Croix, WI ZIPs by phase (St. Croix, WI), deepest drawdown first: peak, +2.4% YoY (St. Croix, WI): 54002, 54015, 54016, 54022, St. Croix, WI 54023, 54025, 54027, 54028, St. Croix, WI 54082; peak, +4.3% YoY (St. Croix, WI): 54005; peak, +2.9% YoY (St. Croix, WI): 54007; peak, +2.5% YoY (St. Croix, WI): 54013, 54017; peak, +4.6% YoY (St. Croix, WI): 54020; peak, +4.1% YoY (St. Croix, WI): 54026; expansion, +5.1% YoY (St. Croix, WI): 54734.
Residential listings by St. Croix, WI ZIP
St. Croix, WI ZIPs with the most tracked St. Croix, WI residential listings: 54017 6 listings, 1 candidates, bank pressure 64; 54002 3 listings, 0 candidates, bank pressure 68; 54013 2 listings, 2 candidates, bank pressure 65; 54023 2 listings, 2 candidates, bank pressure 66 (St. Croix, WI); 54016 1 listings, 1 candidates, bank pressure 66; 54025 1 listings, 0 candidates, bank pressure 66; 54027 1 listings, 0 candidates, bank pressure 66; 54007 0 listings, 0 candidates, bank pressure 64. St. Croix, WI totals: 16 listings; St. Croix, WI candidates 6; active ZIPs 7.
HUD assisted housing in St. Croix, WI
5 assisted properties with 137 units sit in St. Croix, WI; largest St. Croix, WI properties: The Villas At Paperjack Creek (New Richmond) 44 units; Ann Crider Villa (Baldwin) 35 units, 35 assisted; Boardman Meadows (New Richmond) 35 units, 35 assisted in St. Croix, WI; Tribute Commons (Hudson) 15 units, 14 assisted; William Johnson Manor (Deer Park) 8 units, 8 assisted.
Lenders with branches in St. Croix, WI
St. Croix, WI lenders by branch count: First National Cmty Bank (St. Croix, WI): stress 72, 3 branches low in St. Croix, WI; Hiawatha National Bank (St. Croix, WI): stress 69, 3 branches low in St. Croix, WI; Associated Bank Na (St. Croix, WI): stress 68, 3 branches low in St. Croix, WI; Citizens State Bank (St. Croix, WI): stress 68, 3 branches low in St. Croix, WI; Pillar Bank (St. Croix, WI): stress 79, 1 branch low in St. Croix, WI; First Nb Of River Falls (St. Croix, WI): stress 75, 1 branch low in St. Croix, WI; Security Financial Bank (St. Croix, WI): stress 59, 1 branch low in St. Croix, WI; Nicolet National Bank (St. Croix, WI): stress 50, 1 branch low in St. Croix, WI.
Vacancy and permits, St. Croix, WI
1,442 of 38,953 St. Croix, WI housing units are vacant; St. Croix, WI permits, twelve months: 128 multifamily units in St. Croix, WI, 518 one-to-four unit units.
Work St. Croix, WI at the parcel level
Every St. Croix, WI parcel carries owner and address; every St. Croix, WI parcel carries APN; St. Croix, WI distress scores sit on the St. Croix, WI live board.
St. Croix, WI figures refresh with each source.
St. Croix, WI questions
Most distressed ZIP code in St. Croix County, WI?
ZIP 54020 leads St. Croix, WI at 19/100; next in St. Croix, WI: 54005 at 17/100; the St. Croix, WI average is 14/100.
Where does St. Croix County, WI rank for investment opportunity?
St. Croix, WI is #3,178 among all ranked counties, #69 in Wisconsin; the St. Croix, WI driver is bank institutional; St. Croix, WI moved down 20 places.
How many mortgages are delinquent in St. Croix County, WI?
St. Croix, WI takes the metro area reading of 0.5% for December 2025; no CFPB county sample covers St. Croix, WI.
Which banks lend in St. Croix County, WI?
8 watched lenders hold St. Croix, WI branches; the largest St. Croix, WI footprints are First National Cmty Bank (3), Hiawatha National Bank (3), Associated Bank Na (3).
More on St. Croix, WI
St. Croix County, WI distress report: public-record figures for St. Croix, WI; not legal advice for St. Croix, WI; not tax or investment advice; verify every St. Croix, WI record before acting.